Overview
- Active small-business loan accounts rose 11.8% to 7.3 crore as of September 30, 2025.
- Loans overdue by 91–180 days declined to about 1.4% in September 2025 from 1.7% in September 2023, indicating improved portfolio quality.
- Sole proprietors account for around 80% of total credit and nearly 90% of borrowers, with this segment growing about 20% year on year led by loans against property.
- Unsecured lending expanded roughly 31% year on year despite reported concerns over stress in that segment.
- NBFCs have increased their footprint among sole proprietors and now provide more than 41% of lending to that segment.