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.

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