/images/ppid_59c68470-image-177930254358297443.webp)
/images/ppid_59c68470-image-177909006623962743.webp)
/images/ppid_59c68470-image-177908503468528100.webp)
What is the story about?
Auto and two-wheeler loan originations by value fell sharply in the January-March period after a jump experienced in the preceding December quarter, a report said on Wednesday.
Despite the relative volatility in prices of the precious commodity, gold loan originations increased in Q4FY26, according to the report by Crif High Mark, a credit information company.
Auto loan originations declined by 11.6% to ₹1.05 lakh crore during the March quarter, while the same for two-wheeler loan originations by value declined by a much sharper 22% to ₹29,800 crore during the quarter.
It can be noted that following the GST rationalisation, there was a surge in demand for the auto industry in Q3 FY26. Additionally, festivities would also have led to higher demand in Q3FY26.
From a portfolio perspective, auto loans grew 3.4% during Q4 versus the preceding quarter, while two-wheeler loans were up by 2.7% on a sequential basis.
The overall retail loans in the system grew 16.6% to ₹170 lakh crore in FY26, while the quantum of stressed advances also reduced in the last fiscal, the CIC data said.
Only 2.7% of retail loans across categories are unpaid for between 31 and 180 days as of March 31, 2026, against 3.1% in the year-ago period.
Also Read | RBI proposes allowing lenders to curb usage of phones bought on loans in case of default
The home loan portfolio at the system level grew by under 10% in FY26, while gold loans jumped by 50.4% in the fiscal year as lenders grew more confident of lending against the commodity, witnessing a rise in prices.
Amid concerns over possible reverses in gold loan asset quality, as there have been some fluctuations in prices after the onset of the West Asia conflict, the data showed an improvement in the quantum of assets unpaid for 31-180 days at 1.2% as of March against 2% in the year-ago period.
Despite the relative volatility in prices of the precious commodity, gold loan originations increased in Q4FY26, according to the report by Crif High Mark, a credit information company.
Auto loan originations declined by 11.6% to ₹1.05 lakh crore during the March quarter, while the same for two-wheeler loan originations by value declined by a much sharper 22% to ₹29,800 crore during the quarter.
It can be noted that following the GST rationalisation, there was a surge in demand for the auto industry in Q3 FY26. Additionally, festivities would also have led to higher demand in Q3FY26.
From a portfolio perspective, auto loans grew 3.4% during Q4 versus the preceding quarter, while two-wheeler loans were up by 2.7% on a sequential basis.
The overall retail loans in the system grew 16.6% to ₹170 lakh crore in FY26, while the quantum of stressed advances also reduced in the last fiscal, the CIC data said.
Only 2.7% of retail loans across categories are unpaid for between 31 and 180 days as of March 31, 2026, against 3.1% in the year-ago period.
Also Read | RBI proposes allowing lenders to curb usage of phones bought on loans in case of default
The home loan portfolio at the system level grew by under 10% in FY26, while gold loans jumped by 50.4% in the fiscal year as lenders grew more confident of lending against the commodity, witnessing a rise in prices.
Amid concerns over possible reverses in gold loan asset quality, as there have been some fluctuations in prices after the onset of the West Asia conflict, the data showed an improvement in the quantum of assets unpaid for 31-180 days at 1.2% as of March against 2% in the year-ago period.
/images/ppid_59c68470-image-177927505924813898.webp)
/images/ppid_59c68470-image-177925511158120801.webp)
/images/ppid_59c68470-image-177917503409477958.webp)
/images/ppid_59c68470-image-177921754575078325.webp)
/images/ppid_59c68470-image-177917003685599337.webp)
/images/ppid_59c68470-image-177908514220423701.webp)