India's bank credit has surpassed Rs 200 lakh crore for the first time, reaching Rs 203.2 lakh crore by the end of December 2025. This growth, a year-on-year increase of 14.5%, is attributed to a more accommodating monetary policy and reduced GST, which have stimulated investment activity. Investment proposals rose to Rs 26.62 lakh crore, supporting credit expansion that has already exceeded the Reserve Bank of India's projected growth for FY26.