New Delhi, Oct. 8 -- If you are considering taking a personal loan for a large purchase, home renovation, wedding, or another expense, the latest credit-market numbers show that unsecured borrowing is growing considerably faster than home loans.

An Experian Industry Insights report reveals that personal-loan sourcing - the value of new loans originated or sanctioned during the quarter - rose 32% year-on-year to Rs.3 lakh crore during April-June 2026 (Q1 FY27).

Personal-loan assets under management (AUM), which represent the outstanding loan portfolio, stood at Rs.16.2 lakh crore as of June 2026, up 14% YoY.

That compares with home loan AUM of Rs.43.6 lakh crore, which grew 13% YoY. So while personal loans are growing faster, the home-l...