Archive · 12 Aug 2025
India's Credit Demand Shows Resilience with Rising AUM
India's credit market is doing well because more people are using digital tools and the financial system is strong.
The total amount of money managed by the industry is very high and growing.
Banks are giving out more loans, especially for things like homes and gold.
While secured lending is doing well, credit card use went down a little.
Overall, the market is growing, and lenders are adjusting to meet the needs of borrowers.
India's credit demand remains resilient, supported by digitalization and financial infrastructure.
Industry Assets Under Management (AUM) reached Rs 121 lakh crore as of March 2025, increasing 21% YoY.
Fresh disbursals in Q4 FY25 reached Rs 16 lakh crore, growing 10% YoY.
Secured lending saw a surge, accounting for 32% of originations by count.
Credit card disbursals decreased by 2% QoQ in Q4 FY25.
- Who
- Experian
- What
- India's credit demand is resilient with rising AUM and disbursals.
- When
- As of March 2025, with analysis of Q4 FY25 data.
- Where
- India
- Why
- Supported by digitalization, consumer aspirations, and robust financial infrastructure.
- Industry AUM (March 2025)
- Rs 121 lakh crore
- YoY AUM Growth
- 21%
- QoQ AUM Growth
- 4%
- Fresh Disbursals (Q4 FY25)
- Rs 16 lakh crore
- YoY Disbursal Growth
- 10%
- Secured Lending Originations (Q4 FY25)
- 32%
- Credit Card Disbursal Decrease (Q4 FY25)
- 2% QoQ