In the financial year 2023, home loans dominated the retail loan market in India by portfolio outstanding or value with a share of **** percent, followed by personal loans with over ** percent. Consumer-durable loans had the lowest portfolio outstanding or value in the retail loan category. Retail loans are loans given to individual consumers for various reasons such as purchase of property, vehicles, consumer durables, funding education etc.

As of June 2023, personal loans dominated the retail loans market in India by the count of active loans, with a share of **** percent. The segment was followed by credit card with around **** percent. Auto loans ranked the lowest in terms of volume. Retail loans are loans given to individual consumers for various reasons such as purchase of property, vehicles, consumer durables, funding education etc.

In 2022, non-banking financial companies in India dominated the retail loans market in terms of the number of loans, with ** percent market share. Private sector banks followed with around ** percent. Retail loans are loans given to individual consumers for various reasons such as purchase of property, vehicles, consumer durables, funding education etc.

In financial year 2024, Indian banks had deployed over ** trillion Indian rupees to the retail loans sector. This was an increase by around ** percent compared to the previous year. The lion's share of credits went to the home loans segment with over ** trillion Indian rupees. Other segments with a credit value of more than two trillion Indian rupees were auto loans as well as credit card receivables.

India NBFCs: Gross Advances: Non Food Credit: Retail Loans: Consumer Durables data was reported at 409,570.000 INR mn in 2024. This records an increase from the previous number of 315,410.000 INR mn for 2023. India NBFCs: Gross Advances: Non Food Credit: Retail Loans: Consumer Durables data is updated yearly, averaging 191,710.000 INR mn from Mar 2016 (Median) to 2024, with 9 observations. The data reached an all-time high of 409,570.000 INR mn in 2024 and a record low of 30,360.000 INR mn in 2016. India NBFCs: Gross Advances: Non Food Credit: Retail Loans: Consumer Durables data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under India Premium Database’s Monetary – Table IN.KAH065: Non Banking Financial Companies: Gross Advances.

In India Retail Banking Market is projected to grow from USD 1.32 trillion in 2025 to USD 1.95 trillion by 2031, at a CAGR of 6.8%

India RBI Forecast: Bank Lending Survey: Loan Demand: Retail/Personal: Expectation: Substantial Decrease data was reported at 0.000 % in Mar 2025. This stayed constant from the previous number of 0.000 % for Dec 2024. India RBI Forecast: Bank Lending Survey: Loan Demand: Retail/Personal: Expectation: Substantial Decrease data is updated quarterly, averaging 0.000 % from Dec 2017 (Median) to Mar 2025, with 30 observations. The data reached an all-time high of 5.000 % in Dec 2020 and a record low of 0.000 % in Mar 2025. India RBI Forecast: Bank Lending Survey: Loan Demand: Retail/Personal: Expectation: Substantial Decrease data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under India Premium Database’s Business and Economic Survey – Table IN.SD008: Bank Lending Survey: Reserve Bank of India: Loan Demand: Retail/Personal.

India SCB: Credit Outstanding: Non Food: Personal Loans: Consumer Durables data was reported at 234,017.486 INR mn in Mar 2025. This records a decrease from the previous number of 245,063.610 INR mn for Feb 2025. India SCB: Credit Outstanding: Non Food: Personal Loans: Consumer Durables data is updated monthly, averaging 96,410.000 INR mn from Mar 2003 (Median) to Mar 2025, with 265 observations. The data reached an all-time high of 246,978.359 INR mn in Nov 2024 and a record low of 31,740.000 INR mn in Aug 2017. India SCB: Credit Outstanding: Non Food: Personal Loans: Consumer Durables data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under India Premium Database’s Monetary – Table IN.KAH001: Scheduled Commercial Banks: Credit: Gross Outstanding: by Sector. [COVID-19-IMPACT]

Snapshot img

Micro Lending Market Size 2025-2029

The micro lending market size is forecast to increase by USD 532.1 billion at a CAGR of 28.1% between 2024 and 2029.

The market is experiencing significant growth, driven by the increasing adoption of advanced technology in microfinancing. This technological evolution is enabling financial institutions to expand their reach and provide more accessible and efficient services to a larger population, particularly in developing nations. However, despite this progress, there remains a substantial untapped market due to the lack of awareness about financial services in certain regions. This presents both opportunities and challenges for market participants. On the one hand, there is a vast potential customer base waiting to be served, offering significant growth prospects. On the other hand, there are complexities in reaching and serving these customers effectively, requiring innovative solutions and strategic partnerships.
One major trend is the adoption of advanced technology in microfinancing, enabling faster and more efficient loan processing and underwriting. This technology includes mobile applications, biometric identification, and artificial intelligence. Another trend is the increasing adoption of micro lending in developing nations, where access to traditional banking services is limited. Companies seeking to capitalize on this market opportunity must navigate these challenges with agility and a deep knowledge of local market dynamics. By leveraging technology, building strong partnerships, and addressing the unique needs of the market, businesses can effectively serve this growing customer base and differentiate themselves in a competitive landscape.

What will be the Size of the Micro Lending Market during the forecast period?

Request Free Sample

The market continues to gain momentum as a critical component of global financial inclusion efforts. This market encompasses various financial inclusion strategies, including digital financial inclusion, loan disbursement through fintech platforms, and microfinance trends that prioritize responsible lending and sustainable finance. Financial inclusion policies have driven market growth, enabling greater financial resilience and empowerment for individuals and communities. Despite the market's progress, challenges persist, such as loan default, financial literacy programs, and debt management. Impact measurement, social impact reporting, and financial inclusion metrics are essential for assessing the market's success and addressing these challenges. Regulations and best practices play a crucial role in ensuring microfinance remains an effective solution for inclusive finance.
Borrowers, often from economically disadvantaged backgrounds, use these loans for various purposes, including starting small businesses in retail, food services, handicrafts, livestock rearing, transportation, recycling, and health services. Micro lending plays a crucial role in addressing income inequality by providing access to financial services for those excluded from the formal banking sector. Collateral is usually not required for these loans, making them more accessible than traditional loans. Financial inclusion initiatives have seen significant investment opportunities, with fintech startups and alternative data sources driving innovation. The market's future direction lies in data-driven lending, financial inclusion frameworks, and inclusive finance that caters to the unique needs of microenterprises and their development. Overall, the market's continued growth and evolution reflect its vital role in fostering financial inclusion and promoting economic prosperity.

How is this Micro Lending Industry segmented?

The micro lending industry research report provides comprehensive data (region-wise segment analysis), with forecasts and estimates in 'USD billion' for the period 2025-2029, as well as historical data from 2019-2023 for the following segments.

Source

  Banks
  NBFCs
  MFIs


End-user

  Small enterprises
  Solo entrepreneurs
  Micro-entrepreneurs


Geography

  APAC

    Australia
    China
    India
    Japan
    South Korea


  Europe

    Germany
    UK


  North America

    US


  Middle East and Africa



  South America

    Brazil

By Source Insights

The banks segment is estimated to witness significant growth during the forecast period. Micro lending banks provide financial services, such as loans, savings accounts, and insurances, to individuals with limited income. Established by various entities, including individuals, community organizations, private corporations, and foreign investors, these banks focus on economically disadvantaged clients, low-income households, and unbanked populations, including marginalized groups like women, youth, disabled individuals, and informal sector operators, such as micro-entrepreneurs and

India RBI: Bank Lending Survey: Loan Demand: Retail/Personal: Assessment: Moderate Increase data was reported at 61.538 % in Dec 2024. This records a decrease from the previous number of 83.333 % for Sep 2024. India RBI: Bank Lending Survey: Loan Demand: Retail/Personal: Assessment: Moderate Increase data is updated quarterly, averaging 70.370 % from Sep 2017 (Median) to Dec 2024, with 30 observations. The data reached an all-time high of 84.615 % in Dec 2021 and a record low of 19.048 % in Jun 2020. India RBI: Bank Lending Survey: Loan Demand: Retail/Personal: Assessment: Moderate Increase data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under India Premium Database’s Business and Economic Survey – Table IN.SD008: Bank Lending Survey: Reserve Bank of India: Loan Demand: Retail/Personal.

SCB: Credit Outstanding: Non Food: Personal Loans: Consumer Durables data was reported at 236,455.890 INR mn in Oct 2025. This records an increase from the previous number of 222,790.337 INR mn for Sep 2025. SCB: Credit Outstanding: Non Food: Personal Loans: Consumer Durables data is updated monthly, averaging 140,410.000 INR mn from Mar 2003 (Median) to Oct 2025, with 272 observations. The data reached an all-time high of 246,978.359 INR mn in Nov 2024 and a record low of 31,740.000 INR mn in Aug 2017. SCB: Credit Outstanding: Non Food: Personal Loans: Consumer Durables data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under India Premium Database’s Monetary – Table IN.KAH: Scheduled Commercial Banks: Credit: Gross Outstanding: by Sector. [COVID-19-IMPACT]

India NBFCs: Gross Advances: Non Food Credit: Retail Loans: Education data was reported at 449,040.000 INR mn in 2024. This records an increase from the previous number of 253,240.000 INR mn for 2023. India NBFCs: Gross Advances: Non Food Credit: Retail Loans: Education data is updated yearly, averaging 90,490.000 INR mn from Mar 2016 (Median) to 2024, with 9 observations. The data reached an all-time high of 449,040.000 INR mn in 2024 and a record low of 31,350.000 INR mn in 2016. India NBFCs: Gross Advances: Non Food Credit: Retail Loans: Education data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under India Premium Database’s Monetary – Table IN.KAH065: Non Banking Financial Companies: Gross Advances.

Real‑Time Offers for Retail Banking Market Outlook

According to our latest research, the Global Real‑Time Offers for Retail Banking market size was valued at $4.8 billion in 2024 and is projected to reach $17.6 billion by 2033, expanding at a CAGR of 15.2% during 2024–2033. The explosive growth in this market is primarily driven by the accelerated adoption of advanced analytics and artificial intelligence (AI) technologies in the retail banking sector, which empower banks to deliver hyper-personalized, context-aware offers to customers in real time. This shift is fundamentally transforming customer engagement, driving higher conversion rates, and significantly improving customer loyalty across various banking touchpoints. As financial institutions increasingly compete on customer experience, the ability to deliver timely, relevant offers is becoming a critical differentiator, further fueling market expansion globally.

Regional Outlook

North America currently holds the largest share of the global Real‑Time Offers for Retail Banking market, accounting for over 38% of the total market value in 2024. This dominance is attributed to the region's mature banking infrastructure, high digital adoption rates, and robust investment in fintech innovation. Leading U.S. and Canadian banks have aggressively integrated real-time analytics, machine learning, and omnichannel engagement platforms, enabling rapid deployment of personalized offers. Regulatory frameworks in the region, such as open banking initiatives and stringent data privacy laws, have further encouraged banks to invest in secure, customer-centric solutions. The presence of major technology vendors and a vibrant ecosystem of fintech startups also supports ongoing innovation, making North America the benchmark for real-time offer deployment in retail banking.

The Asia Pacific region is poised to be the fastest-growing market, with an anticipated CAGR of 18.7% through 2033. This growth is driven by the rapid digitization of banking services, a burgeoning middle class, and increasing smartphone penetration in countries like China, India, and Southeast Asia. Local banks and digital-only neobanks are investing heavily in cloud-based platforms and AI-driven analytics to capture market share, especially among tech-savvy millennials and Gen Z customers. Government initiatives encouraging financial inclusion and digital transformation, such as India’s Digital India campaign and China’s push for cashless payments, are accelerating the adoption of real-time offer solutions. Strategic partnerships between banks and technology providers are also common, enabling rapid scaling and localization of advanced customer engagement strategies.

In emerging economies across Latin America, the Middle East, and Africa, the adoption of real-time offers in retail banking is gaining momentum but faces unique challenges. Issues such as limited digital infrastructure, lower financial literacy, and regulatory uncertainties can slow market penetration. However, localized demand for mobile-first banking solutions and the growing influence of fintech disruptors are creating new opportunities for banks to leapfrog legacy systems. In these regions, partnerships with telecom operators, government-backed digital banking initiatives, and the rise of super apps are helping to bridge the gap, enabling banks to deliver real-time, contextually relevant offers to previously underserved populations. As regulatory frameworks evolve and digital ecosystems mature, these markets are expected to contribute significantly to global growth in the coming years.

Report Scope

The global digital lending market is booming, projected to reach $453.32 million in 2025 with a CAGR of 11.90%. Discover key trends, drivers, and challenges shaping this dynamic industry, including leading companies and regional insights. Explore the future of online lending and its impact on consumers and businesses. Recent developments include: July 2024: OBOS Bank, a digital everyday bank based in Norway, teamed up with Tietoevry Banking, a provider of financial SaaS solutions in the Nordics. The collaboration aims to streamline the digital processing of mortgage applications, spanning from initiation to disbursement. Tietoevry Banking specializes in a wide array of banking services, encompassing core banking, payments, and fraud prevention. Its focus lies in revamping traditional banking systems, emphasizing low-risk and efficient software solutions., July 2024: State Bank of India (SBI) launched 'MSME Sahaj,' a digital lending solution tailored for micro, small, and medium enterprises (MSMEs). This web-based platform specifically targets MSMEs, focusing on streamlining their invoice financing processes. With the introduction of 'MSME Sahaj,' SBI reinforced its role as the nation's leading MSME lender.. Key drivers for this market are: Increasing Number of Potential Loan Purchasers with Digital Behavior. Potential restraints include: Increasing Number of Potential Loan Purchasers with Digital Behavior. Notable trends are: The Consumer Segment to Witness Significant Growth.

Snapshot img

Retail Banking IT Spending Market Size 2025-2029

The retail banking it spending market size is forecast to increase by USD 14.64 billion at a CAGR of 4.6% between 2024 and 2029.

The market is experiencing significant growth, driven by the increasing need for greater customer satisfaction through personalized services and digital offerings. This trend is further fueled by the incorporation of advanced analytics into third-party banking software, enabling institutions to gain valuable insights into customer behavior and preferences. However, this digital transformation comes with challenges, particularly in the areas of data privacy and security. As financial institutions continue to invest in IT solutions to meet evolving customer demands, they must also prioritize security measures to protect sensitive customer information. Companies seeking to capitalize on this market opportunity must stay abreast of the latest technologies and regulatory requirements, while also addressing the growing concerns around data privacy and security. Effective strategic planning and operational execution will be crucial for retail banks to navigate these challenges and succeed in this dynamic market.

What will be the Size of the Retail Banking IT Spending Market during the forecast period?

Request Free SampleThe market is experiencing significant growth as financial institutions prioritize technology investments to enhance customer experience, operational efficiency, and competitive position. With increasing interest rates and inflationary pressure, net interest margins remain a crucial revenue stream for retail banks. However, customer satisfaction and service propositions are key differentiators in a market where external stimuli, such as digital transformation and changing consumer preferences, continue to shape the landscape. IT spending in retail banking is focused on IT hardware and software, with a shift towards cloud solutions and mobile banking to improve accessibility and convenience. Data analytics and cybersecurity measures are also critical investments to mitigate risks and provide personalized offerings. Retail banks are embracing IT services to stay competitive, with a focus on digital transformation and the implementation of innovative technologies such as artificial intelligence, autonomous banking, blockchain technology, and biometric authentication. The integration of these advanced IT solutions aims to streamline banking operations, enhance security, and create value propositions that cater to evolving customer needs.

How is this Retail Banking IT Spending Industry segmented?

The retail banking it spending industry research report provides comprehensive data (region-wise segment analysis), with forecasts and estimates in 'USD billion' for the period 2025-2029, as well as historical data from 2019-2023 for the following segments. TypeIT servicesIT hardwareIT softwareApplicationApplication development and maintenanceSoftware deployment and supportInternal operationsChannel managementOthersGeographyNorth AmericaUSCanadaEuropeFranceGermanyItalyThe NetherlandsUKAPACChinaIndiaJapanMiddle East and AfricaSouth America

By Type Insights

The it services segment is estimated to witness significant growth during the forecast period.In the retail banking sector, IT spending continues to be a significant investment area, driven by factors such as interest rates, net interest, inflationary pressure, and customer experience. IT services, including application development and maintenance, system integration, IT consulting, software deployment and support, and hardware deployment and support, dominate IT spending. IT consulting services experienced a 10% year-over-year growth in 2023, surpassing the overall IT services spend growth of 8.8%. Key players, such as Accenture, Capgemini, Cognizant, EPAM, Grid Dynamics, and HCL Tech, expanded their artificial intelligence (AI) capabilities in Q2 2023, with many collaborating with Google Cloud to enhance their offerings. Technological advancements, consumer preferences, economic developments, and revenue streams influence retail banking IT spending. IT workforce, cloud spending, production volume, and operational efficiency are essential components of retail banking IT spending. Digital transformation through technologies like artificial intelligence, data analytics, cloud native ecosystem, infrastructure as code, cloud migration, containerization technologies, threat detection, prevention technologies, data encryption, blockchain technology, and fraud protection are shaping the retail banking landscape. Customer relationship management, online transaction systems, mobile banking, and digital banking are crucial customer experience propositions. Consumer expectations for seamless digital experiences and enhanced security are driving the adoption of these technologies.

Get a glance at the market report of share of various s

The Data shows the sectoral deployment of bank credit collected from 40 select scheduled commercial banks, accounting for about 93 percent of the total non-food credit deployed by all scheduled commercial banks. Note: 1. Data for the period April 2007 - December 2018 is in the Old Format and the data for January 2019 - September 2022 is in the New Format.

1. Report 1 a. Data are provisional and relate to select 41 scheduled commercial banks. From September 2017, data account for 90 percent of total non-food credit extended by all scheduled commercial banks. b. Export credit under priority sector relates to foreign banks only. c. Micro and small under industry include credit to micro and small industries in manufacturing sector. d. Micro and small enterprises under Priority Sector include credit to micro and small enterprises in manufacturing as well as services sector. e. Priority Sector is as per the old definition and does not conform to FIDD Circular FIDD.CO.Plan.BC.54/04.09.01/2014-15 dated April 23, 2015. f. A sharp adjustment of Rs.17300 Crore in consumer durables credit in August 2018 was due to rectification of an error, as one bank had previously wrongly classified housing loans as consumer durable loans.

2. New Format a. Data are provisional. Non-food credit data are based on Section - 42 return, which covers all scheduled commercial banks (SCBs), while sectoral non-food credit data are based on sector-wise and industry-wise bank credit (SIBC) return, which covers select banks accounting for about 93 percent of total non-food credit extended by all SCBs. b. With effect from January 2021, sectoral credit data are based on a revised format due to which values and growth rates of some of the existing components published earlier have undergone some changes. c. Non-food credit given for the periods December 18, 2020 and December 20, 2019 pertains to the periods January 1, 2021 and January 3, 2020 respectively. d. Credit data are adjusted for past reporting errors by select SCBs from December 2021 onwards. e. Micro and Small include credit to micro and small industries in the manufacturing sector. f. NBFCs include HFCs, PFIs, Microfinance Institutions (MFIs), NBFCs engaged in gold loans and others. g. Other Services include Mutual Funds (MFs), Banking and Finance other than NBFCs and MFs and other services which are not indicated elsewhere under services. h. Agriculture and Allied Activities also include priority sector lending certificates (PSLCs). i. Micro and Small Enterprises include credit to micro and small enterprises in manufacturing and services sectors and also include PSLCs. j. Medium Enterprises include credit to medium enterprises in the manufacturing and services sector.

In the financial year 2024, the consumption lending industry in India had the highest lending portfolio of around ** trillion Indian rupees as compared to other lending segments like microfinance and retail lending. The lending industry in India witnessed a significant growth in recent years.

Snapshot img

Community Banking Market Size 2025-2029

The community banking market size is forecast to increase by USD 253 billion at a CAGR of 5.8% between 2024 and 2029.

The market is experiencing significant shifts driven by the increasing adoption of microlending in developing nations and the rising preference for digital platforms. The microlending, a segment of community banking, is gaining traction in developing economies due to its ability to provide small loans to individuals and small businesses who lack access to traditional banking services. This trend is expected to continue, fueled by the growing financial inclusion efforts and increasing economic activity in these regions. Simultaneously, the community banking sector is witnessing a surge in the adoption of digital platforms.
The digital community banking services, such as mobile banking and online lending, are becoming increasingly popular due to their convenience and accessibility. This trend is particularly noticeable among younger demographics, who are more likely to use digital channels for banking. However, the market also faces challenges. One of the most significant obstacles is the lack of awareness about community banking services. Many potential customers, particularly in rural and underserved areas, are unaware of the benefits and availability of community banking services. Addressing this challenge will require targeted marketing efforts and community outreach programs.

What will be the Size of the Community Banking Market during the forecast period?

Request Free Sample

The market continues to evolve, with advanced technology playing a pivotal role in shaping the landscape. Financial institutions, both large and small, are integrating microfinance, mobile banking, and remote deposit capture to cater to diverse customer needs. In the micropolitan areas, community banks have gained prominence, offering personalized services to rural and agricultural sectors. The economic recession led to a surge in digital adoption, with mobile banking becoming increasingly popular. However, the competition remains fierce, with big banks also investing heavily in technology to retain their customer base. The ongoing market dynamics underscore the need for continuous innovation and adaptation to stay competitive.
Community banks, with their focus on local markets and relationships, are well-positioned to leverage these trends and offer competitive rates and fees to attract and retain customers. The integration of advanced technology enables seamless transactions and enhanced customer experience, further bolstering their position in the market. The future of community banking lies in its ability to balance tradition and innovation, offering personalized services while embracing digital transformation.

How is this Community Banking Industry segmented?

The community banking industry research report provides comprehensive data (region-wise segment analysis), with forecasts and estimates in 'USD billion' for the period 2025-2029, as well as historical data from 2019-2023 for the following segments.

Area

  Metropolitan
  Rural and micropolitan


Sector

  Small business
  CRE
  Agriculture


Service Type

  Retail banking
  Commercial banking
  Wealth management and financial advisory
  Others


Delivery Model

  Branch Banking
  Online Banking
  Mobile Banking


Institution Type

  Credit Unions
  Local Banks


Geography

  North America

    US
    Canada
    Mexico


  Europe

    France
    Germany
    UK


  Middle East and Africa

    UAE


  APAC

    Australia
    China
    India
    Japan
    South Korea


  South America

    Brazil


  Rest of World (ROW)

By Area Insights

The metropolitan segment is estimated to witness significant growth during the forecast period.

In the dynamic world of financial services, community banks in the US continue to gain traction among consumers, particularly in rural and micropolitan areas where Big Banks may have a limited presence. While Big Banks dominate the market with their vast resources and broad reach, Community FIs cater to the unique needs of their local clientele. With the rise of advanced technology, Community banks have embraced digital banking solutions, including Internet banking, mobile banking, and remote deposit capture. Small businesses and agricultural sectors, integral to rural economies, benefit significantly from Community banks' personalized services and expertise. Despite the economic recession, these institutions have managed to maintain deposits through their strong relationships with customers.

Microlending, a niche offering, further distinguishes Community banks from their larger counterparts. Rates and fees remain crucial factors for customers, especially in a competitive market. Community banks often offer more competitive rates and lower fees compared to Big Banks, making t

Net-Receivables Time Series for State Bank of India. State Bank of India provides banking products and services in India and internationally. It operates through the Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business segments. The company offers personal banking products and services, including current, savings, salary, and deposit accounts; home, personal, pension, auto, education, and gold loans, as well as loans against insurance policies, property, and securities; debit, business debit, prepaid, and green remit cards; overdrafts; mutual funds, insurance, equity trading, portfolio investment schemes, remittance services; digital lending; and mobile, internet, and digital banking services. It also provides corporate banking products and services comprising corporate accounts, working capital and project finance, deferred payment guarantees, corporate term loans, structured finance, dealer and channel financing, equipment leasing, loan syndication, construction equipment loans, financing Indian firms' overseas subsidiaries or JVs, and cash management, as well as trade and service products. In addition, the company offers NRI services, including accounts, investments, loans, and remittances; agricultural banking services; and international banking services. Further, it provides life and general insurance; estate planning services; merchant banking and advisory; securities broking; trusteeship service; factoring; payment solution; asset management; portfolio and investment management; credit cards; and custody and fund accounting services. State Bank of India was founded in 1806 and is headquartered in Mumbai, India.

India RBI: Bank Lending Survey: Loan Demand: Retail/Personal: Assessment: Moderate Decrease data was reported at 0.000 % in Dec 2024. This stayed constant from the previous number of 0.000 % for Sep 2024. India RBI: Bank Lending Survey: Loan Demand: Retail/Personal: Assessment: Moderate Decrease data is updated quarterly, averaging 1.724 % from Sep 2017 (Median) to Dec 2024, with 30 observations. The data reached an all-time high of 34.615 % in Jun 2021 and a record low of 0.000 % in Dec 2024. India RBI: Bank Lending Survey: Loan Demand: Retail/Personal: Assessment: Moderate Decrease data remains active status in CEIC and is reported by Reserve Bank of India. The data is categorized under India Premium Database’s Business and Economic Survey – Table IN.SD008: Bank Lending Survey: Reserve Bank of India: Loan Demand: Retail/Personal.