Bank credit to the corporate sector is growing faster than loans to individuals as companies increasingly shift to the loan market from bond financing to save costs amid rising corporate bond yields. Bank credit to industry including large and small companies grew 18% year-on-year in the fortnight ended May 31 versus 15% growth recorded in retail loans, latest data from the Reserve Bank of India (RBI) shows. Bank lending rate cuts due to the cumulative 125 basis points benchmark repo rate cut by the RBI since February 2025 along with a spike in corporate bond yields have made bank loans more attractive to companies, analysts said.