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Raj Malhotra @Rajmalhotrachd on x 33.7K followers
Created: 2025-07-28 02:13:08 UTC
✅ EXAM-CRITICAL MEMORIZATION FACTS #FactCheck #ExamFacts
Numerical Data
Overdue Surge: XX% increase (₹23,475.6 crore to ₹33,886.5 crore)
Total Outstanding: ₹2.81 lakh crore credit card debt (March 2025)
Delinquency Rates: 91-180 days (2.3%), 181-360 days (0.9%), 360+ days (1.7%)
Card Growth: XXXXX crore cards (Sep 2024) vs XXXX crore (Mar 2021)
Interest Burden: XX% APR on unpaid balances
Policy Framework
RBI Risk Weights: Increased from XXX% to XXX% on consumer credit
Regulatory Authority: Reserve Bank of India oversight and policy intervention
Credit Bureau: CRIF High Mark data compilation and analysis
Banking Regulation: Enhanced consumer protection and lending guidelines
Financial Literacy: Government and RBI initiatives for responsible credit usage
Contemporary Significance
Economic Recovery: Post-pandemic consumption patterns and debt accumulation
Digital Integration: UPI and digital payments facilitating credit accessibility
Social Impact: Debt stress affecting middle-class households and young borrowers
Policy Response: Coordinated regulatory action for financial stability
Future Monitoring: Continued surveillance of consumer credit trends
XXX engagements
Related Topics rates debt credit cards surge