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India Retail Credit AUM Jumps 18% to ₹142 Lakh Crore in June Quarter Says Experian
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CNBC TV18•08-10-2026, 16:17
India Retail Credit AUM Jumps 18% to ₹142 Lakh Crore in June Quarter Says Experian
- •India's retail credit market expanded with assets under management rising 18% year-on-year to ₹142 lakh crore and loan sourcing growing 18% to ₹20 lakh crore in the June 2026 quarter.
- •Unsecured loan sourcing grew by 26% year-on-year, driven by strong growth in consumer durable loans and sustained momentum in personal loans.
- •Asset quality remained stable across the industry, with net 30+ delinquency holding steady at 3.0% in June 2026, marking an improvement from the previous year.
- •Non-banking financial companies strengthened their presence in consumption-led products like personal and consumer durable loans, while banks dominated larger-ticket secured products.
- •Personal loan AUM reached ₹16.2 lakh crore, home loans stood at ₹43.6 lakh crore, and consumer durable loans recorded a significant 37% year-on-year growth.
Key Questions Answered
India's retail credit assets under management (AUM) grew 18% year-on-year to reach ₹142 lakh crore in the June 2026 quarter, according to Experian's Industry Insights report.
Personal loan AUM stood at ₹16.2 lakh crore as of June 2026, marking a 14% year-on-year increase, while new loan sourcing climbed 32% year-on-year to ₹3 lakh crore in Q1 FY27.
Asset quality remained stable with net 30+ delinquency at 3.0% in June 2026, remaining unchanged from March 2026 and showing an improvement from 4.1% in June 2025.
