While agriculture and business loans accounted for 17% of the total retail loan portfolio in 2015, they make for 33% of all delinquent balances. Education and commercial vehicle loans have high shares of delinquencies. State-owned banks account for most of the delinquency portfolio, according to a research by Equifax. On the other hand, mortgage loans had the lowest delinquency rate at 0.56%. Six of the 29 states – Maharashtra, Tamil Nadu, Andhra Pradesh, Telangana, Karnataka and Uttar Pradesh – account for more than half of the entire retail loan portfolio.