Whalesbook
Retail Lending Mein Thodi Thandi
Yaar, jo festive season mein retail lending mein tezi thi, woh March quarter (Q4 FY26) mein thodi kam ho gayi hai. Overall portfolio 16.6% saal-dar-saal badhkar ₹170.2 lakh crore ho gaya, lekin sequential growth sirf 4.6% raha. Matlab, tyohaaron ke baad thoda normal hua hai sab.
Sone Ke Loans Ne Lagayi Race Mein Daud!
Sabse mazedaar baat ye hai ki Gold Loans ka portfolio FY26 mein 50.4% tak badh gaya! Iska reason hai sone ke badhte daam, jis se collateral value badh gayi, aur logon ko abhi bhi gold loans ki zaroorat pad rahi hai. Ye doosre loans se kaafi alag performance hai.
Home Loans Aur Credit Cards Thande Padd Gaye
Home loans, jo consumer confidence ka indicator maane jaate hain, woh sirf 9.4% saal-dar-saal badhe hain, total ₹44.4 lakh crore tak. Yahan growth average loan amount badhne se hui hai, na ki naye borrowers aane se. Aur haan, credit card outstandings toh same hi rahe, balki 1.1% kam ho gaye sequential basis par. Log ab credit card use karne mein bhi savdhan ho gaye hain.
Kharch Karne Ki Chahat Kam Hui?
Lagta hai log ab zaroorat ki cheezon par zyada dhyaan de rahe hain. Auto loans mein toh kaafi girawat aayi hai, sequential basis par 11.6% kam ho gaye. Usme bhi two-wheeler loans toh 22.1% tak gir gaye. Consumer durables ke liye finance bhi festive season ke baad thanda pad gaya. Ye sab dikhata hai ki log ab non-essential cheezon par kam kharch kar rahe hain.