According to the FICCI-IBA Bankers' Survey, India's banking sector is poised for a 11-13% non-food credit growth from January to June 2026, reflecting resilience amid geopolitical uncertainties. This growth is supported by robust retail and small and medium enterprises (SME) credit demand, alongside early signs of revival in private capital expenditure. While industrial credit is expected to grow at a slower pace, investment activity in infrastructure and manufacturing sectors is anticipated to remain steady. The survey, which included responses from 24 lenders across various banking segments, highlights a positive outlook for credit expansion, particularly in services and retail sectors. Public sector banks are notably optimistic, citing improved asset quality and stronger capital positions. However, challenges like cybersecurity risks and the need for sustainable finance are also emphasized, with renewable energy financing emerging as a key growth area.