Bank of India expects its loan growth to exceed its current guidance of 12–13%, with strong traction across retail, agriculture, and MSME segments, according to Rajneesh Karnatak, MD & CEO of the bank.

“So loan growth has been 14% on a global basis, and on the domestic side, it is much better,” Karnatak said. He added that agriculture grew 13%, MSME 16%, and retail 19%, leading to an overall 17% rise in the RAM segment year-on-year. “Even corporate credit has grown in double digits at around 10%,” he said. “So when we are saying the guidance of around 12–13%, yes, the guidance is conservative, and we are fully confident that we’ll be surpassing this.”

He noted that the guidance factors in geopolitical concerns such as ongoing wars and tariff issues, but said the bank remains confident ab

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