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Policy researchers suggest using debt-to-income (DTI) limits and loan-to-value (LTV) ratios as effective macroprudential tools for retail loans. A study by RBI economists highlights the importance of monitoring the retail segment for stress build-up. The sustainability of retail credit flows depends on the health of households, banks, and non-bank financial corporations. Policymakers should consider using structural prudential tools like debt-service ratio and DTI limits. Additionally, credit underwriting and account aggregators can strengthen lender resilience and improve credit monitoring.

Avdhesh kumar shuklaVijay singh shekhawatJugnu ansariReserve bankBretail segmentMight also likeBank loansIndian banksLoan eligibilityDebt to income ratioRetail loan bookCredit worthinessCredit scoreBank loan eligibilityBank loan book