Bank loans against fixed deposits up 53% to Rs 2.17 lakh crore on leveraged play FCNR-B By the end of September, loans against fixed deposits experienced a notable jump of 53% year-on-year, reaching Rs 2.17 lakh crore. The demand for gold loans has soared to a whopping 82.6%, showing a lot of customer interest across India. Personal loans grew by 17.3%, reaching Rs 74.3 lakh crore, plus growth in agricultural and industrial credit. Overall, the banking sector reported a 19.4% expansion in total credit, amounting to Rs 229 crore.