The people of the country are standing on a mountain of debt. It is not us who say this but the retail loan data is pointing in this direction. The country’s retail loans have seen an increase of more than 18 percent in the December quarter. Home loans have the highest share in the total retail loans, which have seen an increase of more than 10 percent. On the other hand, the growth of gold loans has seen an increase of more than 44 percent. Let us also tell you what kind of figures have come out regarding retail loans.
18 percent increase in retail loans
A report on Tuesday said that outstanding retail loans increased by 18.1 percent to Rs 162 lakh crore in the December quarter 2025. Increase in prices, festivals and correction of GST led to increase in loans against gold. According to the data shared by CRIF High Mark, the home loan segment, which is the largest contributor to retail loans, grew by 10.5 percent during the quarter to Rs 43 lakh crore. Gold loans across all lending institutions increased by 44.1 per cent to Rs 16.2 lakh crore, and outstanding in the personal loan segment increased by 11.6 per cent to Rs 15.9 lakh crore.
Improvement in auto loan
The credit information company said that GST correction helped segments like auto loans (up 14.6 per cent YoY), two-wheeler loans (up 12.3 per cent) and consumer durable loans (up 14.3 per cent). The outstanding loan taken by sole-proprietor companies increased by 26.2 percent in the December quarter. From an asset quality perspective, retail loans outstanding between 30 to 180 days declined to 2.8 per cent by December from 3.2 per cent in the same period a year ago, CIC data said, indicating improvement in most sub-segments.
Increase in active loan of home loan
Talking about home loans, CIC data said active loans increased by 3.3 lakh, indicating an increase in the average ticket size. Delhi had the slowest growth in home loan outstanding at 7.7 per cent, while Telangana, Karnataka, Uttar Pradesh and Rajasthan saw growth higher than the market average growth. The data said a dozen government lenders ramped up their operations and accounted for more than half of the total originations in Q3FY26.