Archive · 19 Jan 2026
Axis Bank CEO warns on deposit growth lag
The head of Axis Bank, Amitabh Chaudhry, says that banks in India are lending money faster than they are receiving deposits.
He thinks this is a problem because banks need deposits to give out loans.
He also says that the situation is making it more expensive for banks to operate.
He believes the central bank, RBI, needs to do more to help with this issue.
Axis Bank CEO warns that deposit growth is lagging behind credit growth in India.
Mid-teens credit growth cannot be sustained without meaningful acceleration in deposit mobilisation.
Inconsistent liquidity conditions and structural shifts in savings behaviour are tightening funding.
Raising costs for banks due to robust loan demand and tight funding.
RBI needs to do more to address liquidity issues.
- Who
- Amitabh Chaudhry, MD & CEO of Axis Bank
- What
- Warning about deposit growth lagging credit growth
- When
- Not specified
- Where
- India
- Why
- To highlight the need for RBI intervention on liquidity
- CEO Name
- Amitabh Chaudhry
- Bank Name
- Axis Bank
- Credit Growth
- Mid-teens
- Deposit Growth
- Lagging
- Liquidity Condition
- Inconsistent