{"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"}