However, the rates are now at course correction. Lending rate on fresh loans is on a clear upward trajectory, while lending rate on outstanding loan book has followed a similar trend indicating disciplined lender behavior. The spread between outstanding loan yield and average term deposit rate has sustained at a healthy level, especially for private banks. This means the spread or margin as denoted by NIM (Net Interest Margins) to see continuous improvement – positive for the earnings growth for lenders.
Looking for top-performing equity mutual funds? Here are the best performers across categories in the last 1 year
Returns from mutual fund schemes over the past year show a wide gap between the best- and worst-performing funds across categories, underscoring the importance of
August 1, 2026