New Delhi, Nov. 25 -- Retail credit momentum in India remained firm through the second quarter of FY26. This trend was supported by a continued shift toward secured lending, rising demand for large-ticket loans, and stronger participation from PSU Banks and NBFCs.

The study, 'How India Lends - Q2 FY26' by CRIF High Mark, shows that gold loans were the fastest-growing category. Meanwhile, home and auto loans rebounded sharply with the start of the festive season. In contrast, consumer-durable loans and two-wheeler loans softened quarter-on-quarter due to seasonal factors.

Large-ticket personal loans ( Rs.10 lakh and above) now represent the largest share of total originations by value. This segment accounted for 37.4% of the originations...