Delinquency in retail loans is minimal compared to big-ticket loans: Study

Retail loans are perceived to be safe as delinquency and bad loans are minimal compared to corporate loans. A study by Transunion Cibil shows that delinquency in retail loans have ranged between 0.52 per cent and 2.78 per cent. But the risks on big-ticket loans, particularly auto loans and loan against property, are higher compared to personal loans or consumer durable loans, which is relatively smaller-sized loans.