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ReportIBEFTuesday, 15 September 2026

First-time borrowers deepen credit reach: Credit uptake among eligible Indians more than doubled to 74% in March from 35% in 2017

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Official or institutional report — an evidence-based assessment from government or research bodies. Informs policy design, monitoring, and evaluation.
Summary
A TransUnion CIBIL report shows India's credit-eligible population taking credit at least once more than doubled to 74% between 2017 and 2026. Growth was led by women, younger borrowers and non-metro states including Uttar Pradesh, Madhya Pradesh and Bihar.
Key Facts
TypeReport
SourceIndia Brand Equity Foundation
PublishedTuesday, 15 September 2026
Affected Population1.4 billion citizens, 63 million MSMEs
Key Numbers
GDP: $3.9 trillion (2025 est.)
Fiscal deficit target: 4.4% of GDP
GST collection: Rs 1.87 lakh crore/month avg
Beti Bachao Beti Padhao: 405 districts
Key Authorities
Ministry of FinanceRBISEBIDEAMinistry of Women & Child Development
Key Stakeholders
TaxpayersBanks & NBFCsInvestorsWomenSHGsWomen Entrepreneurs
Government Context
NDA IIIBJP-led NDA
Centre-Right
LeftCentreRight
Explore Sectors
Finance & Economy668 tracked→Gender & Women38 tracked→Urban Development51 tracked→
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