Mumbai, February 24 Outstanding retail loans grew by 18.1 per cent in the December quarter of 2025 to Rs 162 lakh crore, driven by increased lending against gold amid rising prices, festive season, and GST rationalization, a report said on Tuesday.
The home loan segment, the largest contributor to retail loans, grew by 10.5 per cent during the quarter to Rs 43 lakh crore, according to data shared by CRIF High Mark.
Loans secured against gold by all lending institutions grew by 44.1 per cent to Rs 16.2 lakh crore, while outstanding personal loans increased by 11.6 per cent to Rs 15.9 lakh crore.
The GST rationalization helped segments such as auto loans (up 14.6 per cent year-on-year), two-wheeler loans (12.3 per cent), and consumer durable loans (up 14.3 per cent), the credit information company said.
Outstanding loans availed by sole proprietorship entities jumped by 26.2 per cent in the December quarter.
From an asset quality perspective, outstanding retail loans overdue for 30 to 180 days reduced to 2.8 per cent as of December from 3.2 per cent in the previous year, according to the CIC data, highlighting that most sub-segments had improved on this aspect.
Further elaborating on the home loan segment, the CIC data revealed that the number of active loans increased by 3.3 lakh, indicating an increase in average loan sizes.
Delhi reported the slowest growth in home loan outstanding at 7.7 per cent, while Telangana, Karnataka, Uttar Pradesh, and Rajasthan witnessed growth higher than the market average.
The dozen state-owned lenders accelerated their operations and accounted for over half of the total originations in Q3FY26, the data said.