Stories
Retail Securitisation Jumps 42 Percent to Record Rs 1.46 Lakh Crore in H1
N
News18•08-10-2026, 21:00
Retail Securitisation Jumps 42 Percent to Record Rs 1.46 Lakh Crore in H1
- •India's retail assets securitisation market grew 42 per cent year-on-year to a record Rs 1.46 lakh crore in the first half of the current fiscal year.
- •The second quarter drove growth, accounting for nearly 60 per cent of the first-half volumes with issuances exceeding Rs 86,000 crore.
- •NBFCs dominated the market by accounting for approximately 95 per cent of first-half issuances.
- •Vehicle loans remained the largest asset class with a 33 per cent share, while gold loan securitisation emerged as the fastest-growing segment reaching 25 per cent.
- •Banks accounted for nearly 90 per cent of investments, with foreign banks increasing their share to about 20 per cent.
Key Questions Answered
India's retail assets securitisation market grew 42 per cent year-on-year to a record Rs 1.46 lakh crore in the first half of the current fiscal year, primarily driven by a sharp rise in gold loan securitisation.
Gold loan securitisation emerged as the fastest-growing segment, with its share more than doubling to 25 per cent from 11 per cent a year ago, supported by robust portfolio growth and investor demand.
Non-banking financial companies (NBFCs) dominated the market by accounting for around 95 per cent of first-half issuances, while banks accounted for nearly 90 per cent of investments alongside growing participation from foreign banks and NBFC investors.
