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Retail loan growth accelerates as digital onboarding shortens approval times
Retail loan demand strengthened as digital processes improved approval speed, though analysts warn lenders to monitor rising unsecured credit risks.
Banks and NBFCs reported a rise in retail loan disbursements as digital onboarding tools reduced verification times for new to credit users. Lenders noted strong demand for personal, consumer durable, and small-ticket credit as households managed rising seasonal expenditures. Analysts cautioned that lenders must balance growth with prudent underwriting as unsecured credit segments expand.