Business
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%.
Business
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.”
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.
Business
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
By Andrew Ross Sorkin, Rebecca Suner, Coleman Lowndes and Laura Salaberry
January 22, 2026
Business
India–US trade talks: Vaishnaw sees Donald Trump’s optimism as ‘encouraging’; says India ‘deeply engaged’ – The Times of India
India remains deeply engaged on global trade issues, Union minister Ashwini Vaishnaw said on Thursday signalling confidence after US President Donald Trump expressed optimism about trade deal with New Delhi.Vaishnaw, who is in Davos for the World Economic Forum (WEF) Annual Meeting, said Trump’s comment is very encouraging. “Given India’s position and deep engagement on trade matters, it is very encouraging,” Vaishnaw told PTI when asked about the US president’s remarks.Trump, speaking at Davos a day earlier, said the United States would have a “good” trade deal with India and praised Prime Minister Narendra Modi, describing him as a ‘close friend’.“I have great respect for your Prime Minister. He’s a fantastic man and a friend of mine. We are going to have a good deal,” Trump said.Vaishnaw is leading a high-level Indian delegation to the WEF meeting, which includes Union ministers, chief ministers and senior state ministers. The Indian presence at Davos also features more than 100 CEOs, reflecting India’s push to engage global investors and policymakers amid shifting trade dynamics.Trump’s comments had come at a time when trade negotiations and tariff policies have taken centre stage globally, with several economies reassessing bilateral and multilateral trade arrangements.
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