Credit as the Fuel Question: Can India Finance Its Own Growth?
When
17 Sep 2026
Time
8:15AM-10:00AM
Arrival
8:15 AM
Where
The Oberoi, Bangalore
For whom
CFO Forum
Departure
10:00 AM
Overview
Key Takeaways
Speakers
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Credit as the Fuel Question: Can India Finance Its Own Growth?
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Can India finance the growth it aspires to or is the credit system quietly capping it?
India aspires to grow at 8 to 9% over a sustained period, an ambition that rests as much on the financial system's capacity to fund it as on the real economy's ability to deliver it. Yet the credit landscape Indian businesses actually operate within tells a more constrained story than policy rhetoric suggests credit penetration remains low relative to the scale of the growth being sought, the mix of lending has been tilting toward consumption rather than productive investment and the household saving pool that ultimately underwrites this lending is itself shifting in ways that narrow the system's headroom.
In this session, Dr Rajeswari Sengupta will examine the gap between India's credit ambitions and its credit reality and move the conversation from diagnosis to prescription. She will identify what needs to change in monetary policy design, bond market architecture and the deployment of institutional savings for India to build the financial plumbing a high-growth economy actually requires.
Key Takeaways
Why India remains credit-underpenetrated relative to its 8 to 9% growth ambition, and what closing that gap actually requires beyond looser monetary policy
How the composition of credit has shifted away from productive investment and toward consumption and what that means for India's capacity to fund capital formation
Why the household saving pool that underpins Indian lending is changing in ways that tighten, rather than expand, the system's capacity
What specifically needs to change in monetary policy design, bond market architecture and institutional savings deployment for India to have financial plumbing matched to its growth ambitions
Speakers
Credit as the Fuel Question: Can India Finance Its Own Growth?
17 Sep 2026
The Oberoi, Bangalore
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The Oberoi, MG Road, Bangalore
37-39, Mahatma Gandhi Rd, Yellappa Garden, Yellappa Chetty Layout, Sivanchetti Gardens, Bengaluru, Karnataka 560001
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