Share of small-ticket loans in personal loans disbursed during last two years has shot up to 60%. This was only 12.9% during 2017-18, implying a jump of 500% in 2 years. The overall size of the STPL loan business is estimated at around Rs 12,000 crore. This saw a 77% rise in value terms during FY 2019-20 as several app-based lenders entered the market. These loans have the highest interest rate, and have also seen maximum stress among borrowers.