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India's Hidden Credit Crunch: Blame Pricing and Rules

Source: business-standard.com

Banks have plenty of cash but still chase deposits because low returns on fixed income investments push savings into stocks.
Heavy taxes on interest income and RBI's massive bond buying keep safe returns too low to beat inflation.
Strict rules like LCR and NSFR force banks to hoard liquid assets, limiting how much they can lend long-term.

India's credit system is too small for its huge economy, even with banks swimming in liquidity. The real problems are low returns on safe investments like bonds and tough banking rules that cramp lending. Fixing this could unlock faster growth by channeling household savings back into credit markets.