Retail Credit – SRK Analytics

India’s Credit Revolution: Women, Youth, and Non-Metro Towns Drive Unprecedented Loan Growth

India is experiencing a massive transformation in its retail credit landscape, driven by an unprecedented surge in demand from women, younger consumers, and residents of non-metro regions. According to official…

Prasenjit Bhowmik August 3, 2026

Economy

India’s IT and Banking Wage Slowdown Triggers Credit Stress and Consumption Concerns

Slowing IT and banking wages in India are fueling credit stress and threatening retail consumption, signaling a major shift for urban borrowers.

Prasenjit Bhowmik July 24, 2026

Economy

Gold Loans Surge as India’s Fastest-Growing Credit Segment

Gold loans have officially emerged as the fastest-growing segment of retail credit in India, according to the latest Financial Stability Report (FSR) released by the Reserve Bank of India (RBI).…

Prasenjit Bhowmik July 1, 2026