Retail Loans Dominate: 55% of Indian Household Borrowings in H1 FY26
In the first half of FY26, 55.3% of household borrowings were non-housing retail loans, mostly for consumption. According to Reserve Bank of India (RBI) figures, 28.6% of loans were for housing, while 16.1% were for business and agricultural. Rising Share of Retail Consumer Loans According to the RBI’s Financial Stability Report for December 2025, the … Read more