Unsecured lending by banks in the country has witnessed sharp rise over last two decades, according to a report by SBI. The report stated that unsecured advances (loans) expanded significantly from ₹2 lakh crore in FY05 to ₹46.9 lakh crore in FY25. The share of unsecured lending in total bank lending increased to 24.5% in FY25 from 17.7% in FY05.