Consumer borrowing
Retail credit balances
Retail credit balances: ₹170.2 trillion in March 2026
₹170.2 trillion (₹170.2 lakh crore) · $1.77 trillion
Data through
Terms in this reading
- NBFC
- A non-banking financial company, a financial firm that provides credit or other financial services without being a bank. Definition and conventions
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 -only balances.
Dollar equivalents use the site’s reference rate of $1 = ₹96.32 on 2 October 2026, not historical exchange rates.
Publication cadence: Quarterly. Missing observations are not zero.
Retail credit by loan segment
| Name | Yoy | Qoq | Outstanding |
|---|---|---|---|
| Retail | 16.6% | 4.6% | ₹170.2 trillion (≈ ₹170.2 lakh crore) · $1.77 trillion |
| Consumption | 15.3% | 4.5% | ₹118.6 trillion (≈ ₹118.6 lakh crore) · $1.23 trillion |
| Gold | 50.4% | 15% | ₹18.6 trillion (≈ ₹18.6 lakh crore) · $193 billion |
| Home | 9.4% | 3.4% | ₹44.4 trillion (≈ ₹44.4 lakh crore) · $461 billion |
| Personal | 12.9% | 3.7% | ₹16.5 trillion (≈ ₹16.5 lakh crore) · $171 billion |
data.indiadispatch.com
Source: CRIF High Mark, India Dispatch Research
Cite this reading
India by the numbers, Retail credit balances, March 2026. ₹170.2 trillion · $1.77 trillion. Source: CRIF High Mark. https://data.indiadispatch.com/household/retail-credit
Published content updated . This is separate from the source observation period.