<h1>Rising bond yields curb corporate debt issuance, pushing firms back to bank loans and increasing demand for commercial credit</h1> A senior official of a major public sector bank warned that rising government and corporate bond yields are reducing debt issuance volumes, which may prompt corporates to shift back to bank lending, raising demand on commercial credit. The official and a finance ministry representative stated that domestic banks currently have adequate capital to finance growth and are targeting sectors like renewable energy and start-ups, while public sector banks face compliance and technology-cost pressures amid improved returns on assets. Higher foreign tariffs and evolving digital payment infrastructure were noted as factors affecting credit patterns and market assessment.