India’s banking sector is recalibrating as asset quality improves and growth turns selective. PSU banks are regaining MSME and home loan share, unsecured lending is moderating, and secured retail drives stability. Analysts favour execution-led lenders like ICICI Bank and AU Small Finance Bank.
Source: ICICI Bank, AU SFB well-placed as credit cycle turns more disciplined: Siddhartha Khemka
