4. Retail Loans

Effective from Oct 06 2020 - Oct 05 2020
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4.1	Consumer Loans:
	Loans to individuals and households, granted on the following basis:
	•	Granted by the creditor to a borrower as a secondary activity for the borrower, i.e. outside the scope of the borrower's principal commercial or professional activity. It would generally include personal loans, overdraft facilities, car loans, payment card loans, etc.
	•	To finance purchase of goods and services for consumption and other such requirements of individuals as identified above e.g. to purchase furniture, household items, home improvement, vacations, education, etc.
4.2	Credit Cards:
	Outstanding credit card balances. W.A rate must reported based on contractual Annual Percentage Rate (APR) for this category.
4.3	Mortgages or Housing Loans:
	Mortgage or Housing loan to finance a real estate asset. These must be excluded from being reported in Consumer Loans rows.
4.4	Other Loans:
	Any other loan not already classified in above categories.