PSU Banks Gain Half Of Home Loan Market Share

28 Nov 2025 CW Team

Public sector banks have expanded their presence in the home loan market, capturing 50 per cent of total loan originations by value in September, according to a report released on Monday. This marks a clear lead over private sector banks in a highly competitive segment, the credit information firm said.

Nearly 40 per cent of all home loans were valued above Rs 7.5 million, according to Crif High Mark. Despite this shift towards higher-value lending, the total number of active home loans increased by only 3.3 per cent to 22.9 million, indicating a rise in the average loan size.

The home loan market, the largest in the retail lending category, grew by 11.1 per cent year-on-year and 2.1 per cent quarter-on-quarter, reaching Rs 42.1 trillion by the end of September.

On the consumption side, overall consumer loans rose by 15.3 per cent to Rs 109.6 trillion, with rapid expansion in gold loans driving the segment’s growth.

Crif High Mark’s chairman, Sachin Seth, noted that public sector banks have strengthened their leadership in both loan value and customer outreach. He added that regulatory measures are supporting more responsible and inclusive financial access across regions and demographics.

However, the consumer durables segment experienced slower growth of 10.2 per cent year-on-year due to subdued demand and seasonal trends.

Asset quality also showed improvement, with the share of consumption loans overdue between 31–180 days falling to 3 per cent in September from 3.1 per cent in June and 3.3 per cent a year earlier.

Infrastructure Transport

06 May 2026

Pune To Build Nine Km Link Road Between Highways

The Pune Municipal Corporation (PMC) has decided to appoint an expert to plan the development of a nine km long, 60 metre wide road from Khadi Machine chowk to Wadki chowk as an extension to the Katraj-Kondhwa road to link the Mumbai-Satara and Pune-Solapur national highways. The scheme is intended to divert heavy vehicle traffic away from the city and improve access between the two arterial routes. The project has been prioritised by the PMC and forms part of a larger set of schemes in which 19 roads have been identified for development at a combined cost of Rs 9.82 billion (bn) to address c..

Barabanki Bahraich Six Lane Highway Approved in Uttar Pradesh

The Uttar Pradesh government has approved construction of a new six-lane highway linking Barabanki and Bahraich as part of National Highway 927, and the cabinet has cleared the project. The alignment will pass through Mustafabad and Kaiserganj and extend for about 101.5 km, creating a key corridor for local and long-distance movement. The National Highways Authority of India will oversee the work and has signalled the scheme is intended to strengthen regional connectivity and cross-border access to Nepal. The project carries an estimated total cost of Rs 69,690 million, equivalent to Rs 69.69..

Toll At Kharegaon Likely As Highway Upgrade Nears Completion

A section of the highway at Kharegaon has undergone an upgrade and is approaching completion, and authorities have indicated plans for a toll to be introduced once works finish. The project has focused on strengthening the carriageway, improving drainage and upgrading intersections to enhance safety and capacity. Officials have said the toll will be used to recover construction costs and fund ongoing maintenance. The upgrade included resurfacing of the pavement, widening of certain stretches and installation of modern signage and lighting to reduce accident risk. Contractors completed most ma..