Archive · 3 Dec 2025
Digital Lending Surges in India
Digital lending in India is growing very fast.
In the first half of the fiscal year 2025–26, 6.4 crore digital personal loans were given, worth Rs 97,381 crore.
This is 80% of all personal loans given in India.
The average loan amount has also increased to Rs 15,177.
Most borrowers are under 35, and many are from smaller cities.
The government and experts say this is helping more people get access to formal and safe loans.
6.4 crore digital personal loans worth Rs 97,381 crore were sanctioned in H1 FY25–26, representing 80% of all personal loan volumes.
The average loan ticket size increased from Rs 13,327 to Rs 15,177, indicating higher-value loans and stronger credit histories.
Portfolio quality improved with DPD 90+ reducing to 2.1%, showing healthier borrower behavior and tighter underwriting standards.
60% of the sanctioned value went to borrowers under 35, 17% to women, and 53% originated from Tier III cities and beyond.
The outstanding digital personal loan book stood at Rs 1.28 lakh crore across 5.99 crore active accounts as of September 2025.
- Who
- Digital NBFCs and borrowers in India
- What
- Rapid expansion of digital personal loans
- When
- First half of FY25–26 (April 2025 to September 2025)
- Where
- India
- Why
- Increasing demand, stronger credit assessment, and improved financial inclusion
- Total Loans Sanctioned (H1 FY25–26)
- 6.4 crore
- Total Sanctioned Value (H1 FY25–26)
- Rs 97,381 crore
- Market Share of Digital Loans
- 80% of personal loan volumes, 19% of total sanctioned value
- Average Loan Ticket Size (H1 FY25–26)
- Rs 15,177
- Outstanding Digital Personal Loan Book (September 2025)
- Rs 1.28 lakh crore
- Active Accounts (September 2025)
- 5.99 crore
- Borrowers Under 35
- 60% of sanctioned value
- Female Borrowers
- 17% of sanctioned value
- Loans from Tier III Cities and Beyond
- 53% of sanctioned value