Mumbai: Reversing the contraction seen in FY2015 amid growth in equity issuance and non-bank funding, scheduled commercial banks have gained market share in financing the commercial sector in FY2016 as of January 31 by expanding non-food credit at a faster rate than the overall resource pool.Data for FY 2026 to January 31, 2026, released in the RBI bulletin showed that incremental inflows through bank credit stood at Rs 21.8 lakh crore over the 10-month period, compared to Rs 14 lakh crore in the same period in 2024-25, an increase of 55.3%. Over the same period, the total inflow of financial resources from all sources increased from Rs 25.5 lakh crore to Rs 34.5 lakh crore, an increase of 35%.Because bank credit grew faster than the overall resource pool, banks increased their share in total commercial sector financing to 63.2% during this period. However, as of January 31 in FY26, domestic non-bank sources slowed down. Overall domestic non-bank funding grew by 4.9% to Rs 9.6 lakh crore from Rs 9.1 lakh crore in the comparable period in FY20. Equity issuance declined 12.3% for the period ended January 31, falling from Rs 3.4 lakh crore to nearly Rs 3 lakh crore. Corporate bond issuance was the only major domestic non-bank segment to outpace bank credit growth, rising from Rs 1.1 lakh crore to Rs 2.5 lakh crore. Foreign sources of funding remained stable.As of January 31, resource inflows from abroad increased from Rs 2.4 lakh crore to Rs 3.1 lakh crore. This improvement happened after a gap of one year. Non-food bank credit was Rs 21.4 lakh crore in 2023-24. By the end of 2024-25, it had fallen to Rs 17.9 lakh crore. In the current financial year, most banks have raised the advance target after bank credit grew by 14.6% for the fortnight ending January 31, 2026, the highest in 19 months.