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The ET Banks index has lost nearly 6% in 2026 so far, reflecting weakness in the broader market where the benchmark BSE Sensex has lost 10%.
While growth in deposit accretion by banks improved in the December 2025 quarter to 12.7% from a range of 9-11% in the previous six quarters, it failed to match the growth in credit offtake which spurted to 14.5% from a range 9-13% by similar comparison.
In the fourth quarter of FY26 till March 15, while credit growth remained firm at around 14%, the deposit growth skidded to under 11%. Earlier ET had reported that the fixed deposits mobilised by banks for the December quarter were at a two year low of ₹3.2 lakh crore while growth in total deposits decelerated to 11% from 14% in the year ago period, reflecting increasing struggle for banks to attract deposits amid rising credit demand.
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Analysts have expressed concerns over the increasing credit offtake relative to interest bearing liabilities (IBL) and total deposits amid dwindling high-quality liquid assets represented by liquidity coverage ratio (LCR) and net stable funding ratio (NSFR).
“Looking into FY27, elevated credit/IBL (around 77% in the December quarter), CD ratios (over 86%) and declining LCR/NSFR ratios for our coverage continue to indicate increasing on higher-cost funding and, hence, pressure on NIMs,” noted in a sector report.
The broking firm has undertaken broad-based earnings cuts across banks in its coverage for FY27-28 and reduced valuation multiples thereby driving down target stock prices by 3-19%.
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has marginally reduced the annualised earnings growth to 16.1% for FY26-28 period for the banks under its coverage from the earlier expectation of 16.5% growth. The broker has reduced earnings estimated by 0.8-1.3% for three years to FY28.
“With competition for deposits remaining intense, banks continue to face challenges in mobilising low-cost deposits,” the broker mentioned in a report. It expects term deposit rates to remain sticky given the continued pressure on low-cost deposit mobilisation.
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