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Retail Credit Growth- 2-year CAGR of 18% vs overall credit growth of 10%<br />
Exhibit 1 : Total Credit<br />
Rs. 91 trillion September 2016<br />
Rs. 109 trillion<br />
September 2018<br />
SCB Retail<br />
17%<br />
HFC-Others<br />
2%<br />
HFC-Retail<br />
6%<br />
SCB Retail<br />
18%<br />
HFC-Others<br />
2%<br />
HFC-Retail<br />
8%<br />
NBFC - Retail<br />
6%<br />
NBFC - Retail<br />
8%<br />
SCB-Others<br />
60%<br />
NBFC - Infra<br />
& Corporate<br />
9%<br />
SCB-Others<br />
54%<br />
NBFC - Infra<br />
& Corporate<br />
10%<br />
Retail credit share increased from 29% to 34% in the last 2 years<br />
Source: ICRA Research; Company/ Company Investor presentations ; Total credit is credit sum of scheduled commercial banks, NBFCs and Housing Finance Companies; Bank retail credit<br />
is as per the sectoral classification of personal loans<br />
4
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