"Though the interest rates of banks have reduced by 107 basis points from February 2020 to February 2021, the overall credit growth continued to moderate due to risk aversion and continued parking of excess liquidity with the RBI," Care Ratings said in a recent report.source https://economictimes.indiatimes.com/industry/banking/finance/banking/bank-credit-rise-5-56-deposits-11-4-in-fy21/articleshow/82036254.cms
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