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![InvestorOfJAMMU Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1746349024607961088.png) Margin of Safety🇮🇳 [@InvestorOfJAMMU](/creator/twitter/InvestorOfJAMMU) on x 11K followers
Created: 2025-07-20 01:41:42 UTC

There was a time in 2023-24 when our credit growth was XX% but now its is below 10%. This shows economy is slowing.

Reasons for slow credit growth👇

X. Banks unwilling to lend due to low deposit growth as RBI is strict about CD ratio

X. Big corporates prefering raising from equity market at X% interest rates by diluting liquidity at higher share price as liquidity is overflowing in equity market.

X. High GST & tax rates demotivating consumers to spend more.

X. Slow lending from MFIs due to excesive NPAs from lending multi-loans to one individual.

![](https://pbs.twimg.com/media/GwQ8XERb0AA61Zy.jpg)

XXXXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1946747309431332904/c:line.svg)

**Related Topics**
[primary market](/topic/primary-market)
[stocks](/topic/stocks)

[Post Link](https://x.com/InvestorOfJAMMU/status/1946747309431332904)