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Retail loans tilt to consumption
Mint Bangalore
|January 01, 2026
India’s non-housing retail loans—largely consumption-driven—accounted for 55.3% of household borrowings in the first half of FY26.
Household indebtedness rose to 41.3% of GDP
(MINT)
Housing loans made up 28.6%, while agriculture and business loans comprised 16.1%, according to Reserve Bank of India.
The segment of retail consumer loans has grown consistently since March 2019, surpassing the shares of housing loans, agriculture loans, and business loans, RBI said in its Financial Stability Report for December 2025.
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