The incremental credit flow of banks is expected to rise to ₹19-20.5 lakh crore in FY2026 from ₹18 lakh crore in FY2025, representing a year-on-year (YoY) growth of 10.4–11.3% for banks in the current financial year compared to 10.9% in FY2025. This outlook is according to an ICRA report released on Wednesday.