Current Affairs · Banking and Monetary Policy
Based on the qualitative evaluation and expectations derived from the RBI's Bank Lending Survey for Q3: 2024-25, which of the following strategic assessments correctly reflects the observed sectoral credit shifts and future projections?
- 1Credit demand was highest in retail/personal loans during Q3: 2024-25, with loan terms easing significantly for the mining sector, a trend expected to persist through H1: 2025-26.
- 2Retail and personal loans experienced a moderation in credit demand growth during Q3: 2024-25, while loan terms specifically tightened for the mining sector, a condition expected to extend through the first half of 2025-26 alongside a seasonal moderation in loan growth in Q1: 2025-26.✓
- 3The mining sector experienced the easiest loan terms across all economic sectors in Q3: 2024-25, leading to a projected surge in overall credit demand for Q4: 2024-25 without any seasonal moderation in the subsequent quarters.
- 4Credit demand declined universally across all sectors except the mining sector in Q3: 2024-25, prompting banks to tighten loan terms for retail/personal loans while easing them for mining through Q2: 2025-26.
Correct answer
Retail and personal loans experienced a moderation in credit demand growth during Q3: 2024-25, while loan terms specifically tightened for the mining sector, a condition expected to extend through the first half of 2025-26 alongside a seasonal moderation in loan growth in Q1: 2025-26.
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