Credit
§5/§10 — bank-level credit growth, share of the listed-bank aggregate, and growth relative to that aggregate.
The sectoral credit map (§5) is not built. It requires RBI Sectoral Deployment of Bank Credit (agriculture / industry / services / retail and ~40 sub-sectors, monthly). Tijori exposes only “Credit to Large Industry” and “Credit to MSME” over ten months, with values that do not match their stated unit. No synthetic hierarchy has been fabricated — see Data Catalogue for the feed required.
Loan growth
17.7%
median, listed lenders
Credit/deposit
84.3%
median, listed lenders
vs system (pp)
+3.6pp
median, listed lenders
Gross NPA
1.9%
median, listed lenders
Credit cost
1.3%
median, listed lenders
Advances share
1.1%
median, listed lenders
Median credit vs deposit growth
Median across the 41 listed lenders, FY17–FY26
Loan growth vs market share change
§11 — who is actually taking share
display
| # | Bank | Category | |||||||
|---|---|---|---|---|---|---|---|---|---|
| 1 | Fino Payments Bank | Payments Bank | 142.9% | -61.1pp | 0.00% | -0.00pp | 0.0% | — | — |
| 2 | Ujjivan Small Fin | SFB | 26.7% | +12.6pp | 0.18% | +0.02pp | 87.2% | 2.2% | 2.9% |
| 3 | City Union Bank | Mid/Small Private | 26.5% | +12.5pp | 0.31% | +0.03pp | 84.3% | 1.7% | 1.2% |
| 4 | CSB Bank | Mid/Small Private | 26.5% | +12.4pp | 0.18% | +0.02pp | 90.0% | 1.8% | 1.3% |
| 5 | AU Small Fin. Bank | SFB | 25.4% | +11.4pp | 0.62% | +0.06pp | 80.0% | 2.0% | 2.0% |
| 6 | Indian Overseas Bank | PSU | 24.9% | +10.8pp | 1.42% | +0.12pp | 85.6% | 1.3% | 1.7% |
| 7 | Dhanlaxmi Bank | Mid/Small Private | 24.7% | +10.7pp | 0.07% | +0.01pp | 81.3% | 1.8% | 0.8% |
| 8 | Jana Small Fin. Bank | SFB | 24.6% | +10.5pp | 0.16% | +0.01pp | — | 2.2% | 2.8% |
| 9 | RBL Bank | Mid/Small Private | 23.3% | +9.3pp | 0.53% | +0.04pp | 93.1% | 1.3% | 2.4% |
| 10 | Bank of Maharashtra | PSU | 22.0% | +8.0pp | 1.34% | +0.09pp | 88.8% | 1.4% | 1.5% |
| 11 | Capital Small Fin. | SFB | 20.9% | +6.9pp | 0.04% | +0.00pp | 83.0% | 2.5% | 0.9% |
| 12 | Tamilnad Mercantile | Mid/Small Private | 20.8% | +6.7pp | 0.25% | +0.01pp | 89.0% | 0.7% | 1.1% |
| 13 | IDFC First Bank | Mid/Small Private | 20.3% | +6.3pp | 1.30% | +0.07pp | 97.9% | 1.5% | 2.2% |
| 14 | ESAF Small Finance | SFB | 19.8% | +5.8pp | 0.10% | +0.00pp | 86.2% | 5.4% | 4.4% |
| 15 | CentralBank of India | PSU | 19.3% | +5.3pp | 1.57% | +0.07pp | 72.4% | 2.6% | 1.3% |
| 16 | Punjab & Sind Bank | PSU | 19.1% | +5.1pp | 0.54% | +0.02pp | 81.1% | 2.2% | 0.8% |
| 17 | Axis Bank | Large Private | 18.6% | +4.6pp | 5.95% | +0.23pp | 92.7% | 1.3% | 1.6% |
| 18 | UCO Bank | PSU | 18.2% | +6.6pp | 1.14% | +0.06pp | 82.1% | 2.1% | 1.8% |
| 19 | Equitas Small Fin. | SFB | 18.1% | +4.0pp | 0.20% | +0.01pp | 91.3% | 2.4% | 2.9% |
| 20 | J&K Bank | Mid/Small Private | 17.7% | +3.7pp | 0.57% | +0.02pp | 73.9% | 2.4% | 0.6% |
| 21 | DCB Bank | Mid/Small Private | 17.6% | +3.6pp | 0.28% | +0.01pp | 80.5% | 2.4% | 1.0% |
| 22 | State Bank Of India | PSU | 17.1% | +3.1pp | 23.10% | +0.61pp | 83.1% | 1.5% | 1.1% |
| 23 | Bank Of India | PSU | 17.0% | +3.0pp | 3.55% | +0.09pp | 83.3% | 1.8% | 1.0% |
| 24 | Karur Vysya Bank | Mid/Small Private | 16.9% | +2.9pp | 0.46% | +0.01pp | 85.4% | 0.7% | 1.7% |
| 25 | Bank Of Baroda | PSU | 16.4% | +2.4pp | 6.69% | +0.14pp | 86.8% | 2.0% | 1.3% |
| 26 | Kotak Mahindra Bank | Large Private | 16.4% | +2.3pp | 2.63% | +0.05pp | 89.4% | 1.2% | 2.0% |
| 27 | Canara Bank | PSU | 16.3% | +2.2pp | 5.66% | +0.11pp | 80.3% | 1.6% | 1.2% |
| 28 | IDBI Bank | ex-PSU | 16.1% | +2.1pp | 1.18% | +0.02pp | 79.5% | 2.3% | 0.6% |
| 29 | South Indian Bank | Mid/Small Private | 15.8% | +1.8pp | 0.46% | +0.01pp | 82.1% | 1.4% | 1.0% |
| 30 | ICICI Bank | Large Private | 15.8% | +1.7pp | 7.63% | +0.11pp | 89.0% | 1.4% | 1.6% |
| 31 | Indian Bank | PSU | 14.7% | +0.6pp | 3.04% | +0.02pp | 81.1% | 1.9% | 1.3% |
| 32 | PNB | PSU | 14.0% | -0.1pp | 5.75% | -0.00pp | 73.8% | 2.8% | 1.1% |
| 33 | Bandhan Bank | Mid/Small Private | 13.7% | -0.3pp | 0.70% | -0.00pp | 92.0% | 3.1% | 3.3% |
| 34 | Federal Bank | Mid/Small Private | 13.2% | -0.8pp | 1.29% | -0.01pp | 86.7% | 1.5% | 1.3% |
| 35 | HDFC Bank | Large Private | 12.0% | -2.1pp | 14.16% | -0.26pp | 96.5% | 1.2% | 1.7% |
| 36 | Yes Bank | Mid/Small Private | 11.1% | -2.9pp | 1.27% | -0.03pp | 90.4% | 1.3% | 0.8% |
| 37 | Union Bank Of India | PSU | 10.5% | -3.5pp | 4.91% | -0.16pp | 83.4% | 2.6% | 1.0% |
| 38 | Karnataka Bank | Mid/Small Private | 6.9% | -7.1pp | 0.38% | -0.03pp | 78.5% | 2.6% | 0.8% |
| 39 | Utkarsh Small Fin. | SFB | -3.5% | -17.5pp | 0.08% | -0.02pp | — | — | 6.6% |
| 40 | Indusind Bank | Large Private | -8.4% | -22.5pp | 1.47% | -0.36pp | 78.7% | 3.3% | 2.5% |
| 41 | Suryoday Small Fin. | SFB | — | — | — | — | 91.3% | 6.5% | — |
Advances share and relative growth are Derived against the sum of the 41 listed lenders — NOT RBI system credit.
Product-level share where Tijori publishes it
§5 substitute — per-bank market share by lending product
Housing loan, credit-card, debit-card and corporate-banking shares are available per bank on each bank page under Market share. Tijori provides latest values only, without history.