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Retail Loan Shift Drives Rise in Consumer Leverage: Report
The Business Guardian
|August 28, 2025
The ongoing shift in the financial markets towards retail loans is leading to an increase in consumer leverage, according to a report by JM Financials.
The report highlighted that the transformation in lending trends has evolved over several phases in the last two decades, with both banks and non-banking financial companies (NBFCs) playing a significant role.
It stated, "Ongoing shift to retail loans is leading to an increase in consumer leverage."
Between 2000 and 2010, the Indian banking sector experienced a decade of strong growth and product innovation.
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