Mutual funds
India’s Retail Credit Market Grows 18% to ₹142 Lakh Crore in June 2026
In a significant development for the Indian lending market, India's retail credit AUM has seen a robust 18% year-on-year growth, reaching ₹142 lakh crore as of June 2026. This expansion is largely fuelled by a 26% surge in unsecured loans, with personal loans and consumer loans showing strong uptake. This positive trend in consumer credit trends is a welcome sign for the Indian banking sector and NBFC lending, indicating increased consumer confidence and borrowing. Furthermore, the repayment landscape has improved, with net 30+ day loan delinquency dropping to 3% from 4.1% a year ago. This healthy growth in retail credit AUM points towards a dynamic Indian economy and presents opportunities for lenders across the country. Insights from an Experian credit report likely inform these figures, reflecting the health of the retail credit market.
In a significant development for the Indian lending market, India's retail credit AUM has seen a robust 18% year-on-year growth, reaching ₹142 lakh crore as of June 2026. This expansion is largely fuelled by a 26% surge in unsecured loans, with personal loans and consumer loans showing strong uptake. This positive trend in consumer credit trends is a welcome sign for the Indian banking sector and NBFC lending, indicating increased consumer confidence and borrowing. Furthermore, the repayment landscape has improved, with net 30+ day loan delinquency dropping to 3% from 4.1% a year ago. This healthy growth in retail credit AUM points towards a dynamic Indian economy and presents opportunities for lenders across the country. Insights from an Experian credit report likely inform these figures, reflecting the health of the retail credit market.
