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Bank depositors’ role in funding credit growth on decline: RBI data – The Times of India

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Bank depositors’ role in funding credit growth on decline: RBI data – The Times of India


MUMBAI: India’s bank depositor remains the predominant source of credit to the commercial sector, but their relative contribution is steadily declining as credit growth outpaces deposit mobilisation, data for Dec 2025 show.As of Dec 2025, total outstanding credit to the commercial sector (bank and non-bank) rose to Rs 297.9 lakh crore, while bank deposits stood at Rs 249 lakh crore. Deposits were sufficient to fund only about 83% of the total credit outstanding. A year earlier, in Dec 2024, bank deposits amounted to Rs 220.6 lakh crore against total credit of Rs 259.01 lakh crore, covering around 85% of credit demand. The data point to a widening gap between credit expansion and deposit growth in the banking system.

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The trend reveals a structural shift in India’s credit landscape. Banks remain central to financing the commercial sector, but their deposit base is no longer keeping pace with the demand for credit. The growing reliance on NBFCs, bond markets and foreign borrowings reflects both deeper financial markets and mounting pressure on bank balance sheets as credit demand continues to surge.The first nine months of 2025-26 saw a sharp acceleration in credit flow to the commercial sector. While banks continue to anchor the system, the pace of credit creation has increasingly relied on non-bank channels.Non-food bank credit remained the single largest source of incremental funding. Between Dec 2024 and Dec 2025, bank credit expanded by Rs 25.5 lakh crore, accounting for 65.5% of the total increase in commercial sector credit. Outstanding non-food bank credit stood at Rs 202.3 lakh crore at end-Dec 2025, reflecting a year-on-year growth of 14.4%.



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More people have adopted the four-day work week – here’s why

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More people have adopted the four-day work week – here’s why


More than 50 organisations collectively employing over 1,400 individuals transitioned to a four-day working week in 2025, according to new figures.

The 4 Day Week Foundation revealed that the total number of employees now benefiting from this model stands at over 6,000 across 253 accredited businesses.

The newly certified employers represent a broad spectrum of industries, including business, consulting, management, charities, technology, retail, housing, engineering, marketing, arts and entertainment, manufacturing, gaming, recruitment, heritage, healthcare, and education.

London saw the highest number of these new accreditations, with Scotland and the North West also showing significant adoption.

Joe Ryle, campaign director for the foundation, said the latest figures show that UK employers no longer have any practical barriers to making the shift.

“These companies are proving that there is nothing stopping organisations in the UK from moving to a four-day week,” he said.

“Across virtually every sector and region, employers are showing that shorter working weeks boost productivity, improve wellbeing and help attract and retain talent – all without cutting pay.

“The question is no longer whether it works, but how quickly others will follow.”

More than 6,000 people now work four days a week across 253 businesses accredited with the 4 Day Week Foundation (Getty Images/iStockphoto)

A total of 53 newly accredited organisations permanently adopted a four-day week with no loss of pay last year, the foundation said.

Researchers in the US found last year that working four days a week can help workers protect their mental health.

A team at Boston College said their landmark study had revealed the shift was associated with a high level of satisfaction on the part of both employers and employees.

More than 100 companies and nearly 2,900 workers in the U.S., U.K. Australia, Canada, and Ireland were involved in the study.

That included an improvement in productivity and growth in revenue, a positive impact on physical and mental health, and less stress and burnout.

A 2024 poll of more than 2,000 full-time U.S. workers found that more than half of respondents reported feeling exhausted from chronic workplace stress within the past year.

The main reason that employees had maintained productivity, according to their assessment, is that companies have decreased or cut activities with questionable or low value, including meetings. Instead, meetings became phone calls and conversations via messaging apps.

Another key factor was that employees would use their third day off for doctor’s appointments and other personal errands that they might otherwise try to cram into a work day.

The study, published Monday in the journal Nature Human Behaviour, builds on previous research that has found similar benefits, and comes on the heels of a recent study that found long working hours may alter brain structure.



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Video: Why Trump’s Reversal on Greenland Still Leaves Europe on Edge

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Video: Why Trump’s Reversal on Greenland Still Leaves Europe on Edge


new video loaded: Why Trump’s Reversal on Greenland Still Leaves Europe on Edge

Andrew Ross Sorkin, editor at large of DealBook, describes how leaders at the World Economic Forum in Davos remain on edge after President Trump, for now, backed down from threats of using tariffs or military force to gain Greenland.

By Andrew Ross Sorkin, Rebecca Suner, Coleman Lowndes and Laura Salaberry

January 22, 2026



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After Years Of Freeze, India May Ease Curbs On Trade With China – The Real Reason Will Surprise You

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After Years Of Freeze, India May Ease Curbs On Trade With China – The Real Reason Will Surprise You


New Delhi: Until five years ago, India’s doors were nearly closed to Chinese companies. Business organisations campaigned vigorously for boycotts of Chinese goods, and public sentiment strongly supported such measures.

The political situation changed after developments in the United States. As anti-India statements from Washington became more frequent, the government began looking at new strategies. Now, officials are preparing to relax some of the restrictions on Chinese companies while keeping sensitive sectors protected.

Experts say that economic impact, employment and technology transfer are taking precedence over political symbolism.

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A senior government said that since 2020, Chinese firms were barred from bidding for Indian government contracts and restricted in making investments. Within the system, a strong consensus has emerged that investment creating jobs and strengthening domestic capacity should be welcomed.

Strategic sectors such as telecommunications, defense and critical infrastructure are off-limits to Chinese companies.

Discussions are also underway on allowing Chinese companies to participate in government procurement in non-strategic sectors. The focus is on investments that enhance employment opportunities and technology.

Companies would be evaluated on their capabilities and economic contribution rather than nationality. The aim is to attract capital while safeguarding national interests.

Foreign Direct Investment (FDI) rules are also expected to see controlled relaxation. Since 2020, India had tightened scrutiny over investments from countries sharing land borders, requiring pre-approval before allowing them.

Now, the rules may be eased in sectors where domestic industries can benefit from foreign investment, especially in renewable energy and manufacturing. Officials stress that these adjustments do not remove security measures but allow controlled access where investment and technology are needed.

Government contracts could also see relaxed restrictions for Chinese participation. Some of these rules may be adjusted to revive commercial ties and reduce project delays. Economic reasoning underpins these potential changes.

Officials say that when Indian manufacturers are forced to import goods that could locally be produced, it leads to job losses at home. They also point out that capital then gets routed through countries like Japan or Mauritius that reduces the impact of nationality-based restrictions.

Any policy relaxation will be selective, applying only in sectors where national security concerns are minimal. Data-sensitive and strategic technologies will continue under strict oversight, while opportunities for investment in other sectors will expand.

Industry leaders emphasise that easing restrictions must occur under strict monitoring to ensure critical supply inputs are secured and strategic interests are not compromised.

India’s trade recalibration with China shows a strategic pivot aimed at balancing economic growth, domestic employment and technological advancement while maintaining oversight over critical sectors.



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