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'Micro-LAP, small home loans stress pockets in retail credit'
Financial Express Hyderabad
|December 16, 2025
THE CREDIT PERFORMANCE across most retail loan products remained stable in the September quarter, with balance-level delinquencies improving year-on-year for home loans, personal loans, credit cards and gold loans, TransUnion CIBIL said on Monday.
The Credit Market Indicator (CMI) for performance rose by five points during the quarter. However, stress in micro loan against property (micro-LAP) and small-ticket housing loans stood out, driven in part by higher leveraging among borrowers with exposure to both secured and unsecured credit, it said
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