India's Youth Borrow Smarter in 2025

In 2025, young people in India are using credit in a smarter way.

They are taking loans to buy homes earlier, even though interest rates are higher.

More young adults are getting home loans, and they are borrowing larger amounts.

They are also using credit cards more carefully, preferring secured cards that are linked to their savings.

This helps them build a good credit history without spending too much.

Personal loans are also being used for short-term needs rather than big purchases.

Overall, young Indians are showing more discipline in how they use credit, which is good for both them and the lenders.