Research & Data

How India borrows — the data

Original, publicly-sourced research on lending and credit in India. Every figure is attributed to RBI, TransUnion CIBIL, CRIF, NPCI or reputable reporting that cites them.

Report · 2026

The State of Indian Lending & Credit 2026

A data-backed look at how India borrows in 2026 — credit growth, the average CIBIL score, digital lending, unsecured risk, rates, and the rapidly-changing Indian borrower — compiled from public RBI, TransUnion CIBIL, CRIF High Mark, NPCI and SIDBI data.

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How India borrows — the data

The State of Indian Lending & Credit 2026

A new world offinancial wellbeing

How India borrows — the data

The State of Indian Lending & Credit 2026

A new world offinancial wellbeing

A new world of
financial wellbeing

A new world of
financial wellbeing