India's Retail Lending Portfolio Grows 18% to Rs 162.7 Lakh Crore in Q3 FY26

India's retail lending portfolio grew 18.1% year-on-year to Rs 162.7 lakh crore in Q3 FY26, supported by 690 million active loan accounts and improved asset quality, with overdue loans declining to around 3%. Growth was driven by increased originations, notably a 90% rise in gold loans amid price rallies, and boosts in two-wheeler, auto, and consumer durable loans following GST rationalisation and festive demand. Home loans grew 10.5%, with rising average ticket sizes and significant contributions from state-owned banks and NBFCs across segments.