NBFCs, driven by personal loan and agriculture growth, faced RBI risk weight changes. SCBs saw 19.3% growth, with the HDFC merger aiding. Bank credit to NBFCs hit Rs 15.54 lakh crore. Capital expenditure might offset reduced bank funding, affecting corporate credit. Technological advancements hastened credit delivery. Systemic risks prompted increased RBI oversight. Non-performing assets were under 3% in March 2024.
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