The credit flow from the banking sector was absorbed mostly by the industrial segment in the period up to 2014, but subsequently all the banking segments turned their attention to individuals raising the proportion of loans flow to retail high.
source https://economictimes.indiatimes.com/industry/banking/finance/banking/large-corporates-relying-lesser-on-bank-funds-shows-rbi-study/articleshow/86262996.cms
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