<h1>India's Credit Growth Driven by Retail, Real Estate, Infrastructure; Banking Profitability Rises, Says RBI Report.</h1> Incremental credit growth in India over recent years has been driven by sectors such as retail, commercial real estate, and infrastructure, as reported by the Reserve Bank of India. In the fiscal year 2010-11, credit to infrastructure, real estate, retail, and Non-Banking Financial Companies grew by 38.6%, 21.4%, 19.5%, and 54.8%, respectively. This contrasted with the previous year's growth rates of 40.7%, -0.3%, 4.9%, and 14.8%. The banking sector's profitability improved, with the return on assets increasing to 1.10% from 1.05% the previous year, alongside enhanced asset quality.