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RBI has informed in the June 2025 Financial Stability Report that the loan figure is 42% of India’s GDP.
Every person in India has a loan of 4.8 lakh rupees on an average. It was Rs 3.9 lakh in March 2023. It has increased by 23% in the last two years. That is, an average of Rs 90,000 has increased on every Indian. The Reserve Bank of India (RBI) has given this information in the Financial Stability report of June 2025.
5 Know in questions and answers, what will be the effect on your life …
Question 1: What does it mean to increase debt?
answer : This means that people are borrowing more than before. This includes home loan, personal loan, credit card dues and other retail loans.
Non-hidden retail loans such as personal loans and credit cards have increased the most. These loans are 54.9% of the total domestic loan.
This is 25.7% of disposable income (spending income). Housing loans are 29% and most of them are also those who are already taking loans again.
Question 2: Is the debt level in the country much higher than GDP?
answer : According to RBI, India has 42% debt of total GDP. The domestic loan is still lower than the second emerging economies, where it is 46.6%.
That is, the debt situation in India is still under control. Also, most of the birpers are good rating, that is, they are less at risk of drowning money.
The Reserve Bank has said that there is no major threat from this debt. Most of the debt -ridden people are better rating. They are capable of repaying debt.
Also, there has been a decrease in the rate of delicovancy rate i.e. the rate of non-payment of debt than the time of Kovid-19. However, there is little risk for those who have low ratings and more debt.
Question 3: How is the debt situation in the microfinance sector?
answer : The average liability of borrowers in the microfinance sector (small loan group) has decreased by 11.7%, but the number of stressed assets has increased in the second half of 2025. RBI has said that microfinance companies are charging higher interest rates and margins. Which is finding it difficult for the borrowers to be repaid.
Question 4: What is the external debt on India?
answer : By March 2025, India had $ 736.3 billion, which is 10% higher than the previous year. This is 19.1% of GDP. The largest part of this is 35.5% of non-finance corporations, 27.5% of deposits and 22.9% of governments. The debt taken in US dollars is 54.2% of the Total External Date.
Question 5: What difference does it make to common people?
answer : This means for the common people that taking a loan has become easier than before, but the debt burden is also increasing. If you are taking a loan, take care of your repayment ability. The Flexible Monetary Policy of RBI may reduce interest rates. This can make it easier to repay the loan, but need to be cautious while taking a microfinance loan as their interest rates may be high.
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