While access to funding for housing and education through retail loans plays a major role in the economic landscape and financial inclusion, such lending also presents risks that require prudent management. This research examines loan performance metrics at two State Bank of India branches in Bangalore to gain insight into trends, patterns, and factors influencing results. Metrics like disbursement volumes, repayment schedules, non-performing assets, and customer satisfaction are evaluated using statistical techniques for various retail portfolios. Both internal bank records and external economic reports are referenced to identify determinants of performance over time. Interest charges, customer demographics, and financial conditions emerge as meaningful predictors. Problems with delayed or defaulted payments surface also, necessitating strategies to proactively address challenges. Outcomes furnish a deeper understanding of sustainability and effectiveness in SBI's retail operations, advising policymakers and industry experts on optimizing outcomes. Overall, properly handling revelations around maximizing benefits while containing downsides holds importance.