P K Gupta, Managing Director (Retail & Digital Banking), State Bank of India expects the bank’s retail portfolio to constitute 60% by this fiscal end due to subdued demand for corporate borrowings. "We expect our retail portfolio to be constituting 60% of loans by the end of this fiscal because the corporate demand is still very-very muted. So, we expect the retail loan portfolio to grow by around 14 per cent this fiscal," P K Gupta said in an interview to PTI. The retail segment, comprising of personal, small and medium enterprises (SME) and agriculture, constituted 57.5 per cent of SBI's domestic loan book at over Rs 17.46 lakh crore during 2017-18. At SBI, Home loans now constitute more than 57% of the personal retail loans.