Mumbai: India’s credit landscape is strengthening, supported by rising borrowing demand and better repayment habits among consumers, according to the latest report by Experian.
The report said the total outstanding loans in the country stood close to ₹130 lakh crore as of December 2025, registering a 17% increase compared to the previous year. During the third quarter of FY26 alone, fresh loans worth about ₹20 lakh crore were issued, indicating sustained borrowing activity from both individuals and businesses. The study also noted a decline in repayment delays, pointing to improved financial discipline and a more stable credit climate.
The report highlighted a growing inclination towards secured lending, particularly gold, housing and vehicle loans. Secured loans accounted for about 34% of new loan originations, with gold loans and home loans contributing significantly to the rise. Gold loans are witnessing rapid expansion as they provide quick and easy access to funds for short-term financial needs, while housing and automobile loans continue to maintain steady growth.
Unsecured credit products, including personal loans and financing for consumer durables, also recorded healthy activity during the festive season. However, the pace of new credit card issuances slowed, indicating a more cautious approach towards credit usage. According to the report, improved credit evaluation methods, responsible lending practices and the use of comprehensive data are collectively helping strengthen portfolio quality and supporting sustainable growth in India’s credit ecosystem.
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