Business The new paradox in banking: Rising unsecured loans amid lower credit scores Updated : September 18, 2018 06:29 AM IST There has been an increase in the credit appetite by Indians in the past few years. One of the major reason behind this is easy availability of credit The credit card outstanding has gone up 73 percent, while other unsecured personal loans (non-consumer durable) increased by 64 percent, during the same period Subscribe to Moneycontrol PRO at just Rs.33/- per month for the first year. Use code SUPERPRO. Limited period offer. Available on Web and Android.