Retail loans saw a significant jump of 18.1 percent in the December quarter of 2025, reaching Rs 162 lakh crore. Lending against gold surged by 44.1 percent. Home loans, the largest segment, grew 10.5 percent. Personal loans also increased by 11.6 percent. GST rationalization boosted auto, two-wheeler, and consumer durable loans. Asset quality improved with overdue loans reducing to 2.