Loan growth shifted to secured retail and SME as MFI turned volatile. FY26 will test banks on deposit costs, credit quality, and digital execution strength.
With unsecured lending and microfinance posing fresh NPA risks in H1 FY26, are you leaning toward banks with stronger retail-secured books, or PSU banks riding easier liquidity? Or is your focus more on high fee‑income generative players to offset the margin squeeze?
With unsecured lending and microfinance posing fresh NPA risks in H1 FY26, are you leaning toward banks with stronger retail-secured books, or PSU banks riding easier liquidity? Or is your focus more on high fee‑income generative players to offset the margin squeeze?