According to the FICCI-IBA Bankers' Survey, India's banking sector is poised for a 11-13% non-food credit growth during the first half of 2026, reflecting resilience amid geopolitical uncertainties. The survey, which involved 24 lenders including public and private banks, indicates that improving balance sheets and steady economic activity support this positive outlook. Retail and SME credit are expected to drive growth, with robust demand noted in sectors such as infrastructure, real estate, and pharmaceuticals. While industrial credit growth is anticipated to be more gradual, the overall sentiment remains optimistic, particularly among public sector banks, which are benefiting from enhanced asset quality and capital positions. The survey also highlights the growing importance of sustainable finance, especially in renewable energy, and identifies Artificial Intelligence as a transformative force in banking operations, alongside cybersecurity as a pressing challenge. The survey reflects a consensus among 46% of respondents expecting credit growth in the 11-13% range, with only 8% predicting growth below 9%.