Signs of delay in loan repayment has started to emerge in some segments of business loans even as the overall number suggests higher asset quality. Unsecured business loans to MSME companies which are due for payment for more than 90 days (90+DPD), constituted 7.2% of the total unsecured outstanding business loans, as of March 2026, according to a report by CIBIL and SIDBI. This is an increase of 274 basis points from March 2023. Share of 90+DPD loans in total outstanding commercial balances reduced to 1.8% in March 2026, as against 2.7% in the corresponding month in 2023 suggesting overall healthy performance by commercial lenders. This, however, masks emerging slippages in unsecured business loan segment, the report observed. The statistic becomes important because the share of individuals borrowing business loans increased to ₹18.3 lakh crore in March 2026 of the total business loan book of ₹65.8 lakh crore. Individual business loans were just ₹10 lakh crore of total loan book which was also a much lower ₹42 lakh crore in March 2023. This means that small ticket business loans which emerged as a growing segment in the past three years are starting to show signs of non-repayment in some segments. Published - July 03, 2026 09:19 pm IST