Despite sluggish credit growth, most banks are cautious about growing their unsecured loan portfolio.
Banks offering a higher rate on savings bank deposits have seen robust growth in the past year but the momentum might get slower as interest rates turn more benign.
SBI's home loan portfolio has recorded a 73.86 per cent growth against Rs 623.38 billion as on September 30, 2009
NPA percentage in loans may touch 10% by March 2013, up from 5% in March 2011.
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