{
  "format": "india-by-the-numbers.series.v1",
  "id": "household/retail-credit",
  "name": "Retail credit balances",
  "hub": "Household",
  "topic": "Consumer borrowing",
  "moduleIds": [
    "retail-credit"
  ],
  "url": "https://data.indiadispatch.com/household/retail-credit",
  "period": "March 2026",
  "periodKey": "2026-03",
  "latest": {
    "formattedValue": "₹170.2 trillion · $1.77 trillion",
    "inr": 170200000000000,
    "usd": 1767026578073.0898
  },
  "source": {
    "name": "CRIF High Mark",
    "url": "https://www.crifhighmark.com/insights/reports"
  },
  "numericValue": 170200000000000,
  "unit": "INR",
  "measure": "outstanding_trillion",
  "cadence": "Quarterly",
  "version": "19e2dd4ac3a3fa0845918aebc6845de3c6375484e3490ff1c98f5b72bac3f7de",
  "dateModified": "2026-10-05T05:33:24.257Z",
  "coverage": "2026-03",
  "notes": [
    "The table retains the source’s published periods. Missing observations are not zero and have not been interpolated.",
    "CRIF retail credit combines consumption loans with credit to sole proprietors, including commercial-vehicle, construction-equipment, business and loan-against-property accounts. Gold loans include priority-sector gold loans and are not directly comparable with RBI bank-only or NBFC-only balances.",
    "Dollar equivalents use the site’s reference rate of $1 = ₹96.32 on 2 October 2026, not historical exchange rates."
  ],
  "license": {
    "name": "Creative Commons Attribution 4.0 International",
    "url": "https://creativecommons.org/licenses/by/4.0/",
    "scope": "India Dispatch's original compiled tables and editorial text"
  },
  "sourceRights": "Underlying source publishers retain their own rights. This license does not grant rights to publisher documents, branding or other third-party material.",
  "attribution": "India by the numbers, Retail credit balances, March 2026, https://data.indiadispatch.com/household/retail-credit. Source: CRIF High Mark.",
  "valueRepresentation": "Table cells are the publication's formatted observations, with units retained. Missing observations are not zero. Numeric latest amounts, where present, are separately labelled INR and USD.",
  "tables": [
    {
      "title": "Retail credit by loan segment",
      "temporalCoverage": "2026-03",
      "columns": [
        "Name",
        "Yoy",
        "Qoq",
        "Outstanding"
      ],
      "rows": [
        {
          "id": "Retail",
          "cells": [
            "Retail",
            "16.6%",
            "4.6%",
            "₹170.2 trillion · $1.77 trillion"
          ]
        },
        {
          "id": "Consumption",
          "cells": [
            "Consumption",
            "15.3%",
            "4.5%",
            "₹118.6 trillion · $1.23 trillion"
          ]
        },
        {
          "id": "Gold",
          "cells": [
            "Gold",
            "50.4%",
            "15%",
            "₹18.6 trillion · $193 billion"
          ]
        },
        {
          "id": "Home",
          "cells": [
            "Home",
            "9.4%",
            "3.4%",
            "₹44.4 trillion · $461 billion"
          ]
        },
        {
          "id": "Personal",
          "cells": [
            "Personal",
            "12.9%",
            "3.7%",
            "₹16.5 trillion · $171 billion"
          ]
        }
      ]
    }
  ],
  "downloads": {
    "json": "https://data.indiadispatch.com/data/series/household/retail-credit.json",
    "csv": "https://data.indiadispatch.com/data/series/household/retail-credit.csv"
  },
  "publicationArchive": "https://data.indiadispatch.com/archive/household/retail-credit"
}