Share of term deposits below 7% jumps as banks reprice liabilities

· economictimes.indiatimes.com

Bank term deposits under 7% surged to 61.8% in FY26 due to 125 basis points of policy rate cuts. Depositors shifted to longer maturities, with one-to-three-year tenures rising to 69.8%. Term deposits now form 61.6% of overall deposits, a structural shift from savings accounts.

Agencies locking it in: One-to-three-year deposits rise to nearly 70% at end of March 2026

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