India’s banks are running out of easy funding fuel. Deposit growth has slowed, liquidity is tightening, and younger customers are channelling savings into alternatives that promise higher returns and instant access. Unless the industry rewires its business models to match these structural shifts, the next liquidity shock could be more damaging than expected.The warning signs are already in plain view, and the choices banks make over the next few years will decide whether they remain stable anchors of the financial system or become fragile under pressure.
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