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ICICI Bank and AU Small Finance Bank Seen Benefiting from a More Disciplined Credit Cycle
ICICI Bank and AU SFB are expected to gain as credit growth becomes more disciplined, with secured retail and MSME loans driving the next phase.
As India’s credit cycle shows signs of maturing, ICICI Bank and AU Small Finance Bank are well positioned to benefit from a shift toward more disciplined lending, according to Siddhartha Khemka. Channel checks suggest overall loan growth is stabilising, but the mix is improving, with secured retail loans and MSME lending emerging as key growth drivers.