Consumer credit is growing in terms of both outstanding balance and gross lending. Credit cards retain a key role in the consumer credit ecosystem, while secured and hybrid lending products are becoming increasingly prominent.
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Credit industry in India with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.
Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.
If you're in the Consumer Credit industry in India, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.
The Consumer Credit in India report includes:
- Analysis of key supply-side and demand trends
- Detailed segmentation of international and local products
- Historic volume and value sizes, company and brand market shares
- Five year forecasts of market trends and market growth
- Robust and transparent research methodology, conducted in-country
This report answers:
- What is the market size of Consumer Credit in India?
- What are the major trends key to understanding Consumer Credit in India?
- How has COVID-19, recession and macroeconomic volatility impacted the market?
- How long will the market take to recover? What are the opportunities now?
- How will political context and shifting cultural values shape future growth?
- Where is future growth expected to be most dynamic?
Consumer Credit in India - Category analysis
KEY DATA FINDINGS
Credit cards retain key role
Credit cards pivot to engagement and smarter features
Secured and hybrid credit rises as risk-conscious lending gains ground
Buy Now, Pay Later faces RBI oversight as digital credit grows
Digital-first credit ecosystems expand reach and convenience
Auto and sustainable mobility financing fuels sectoral growth
Tier 2/3 and semi-urban markets provide long-term growth potential
Consumer Lending in India - Industry Overview
Consumer lending continues to stabilise
KEY DATA FINDINGS
Card lending maintains steady, disciplined growth under regulatory oversight
Alternative lending aligns with RBI directions, reinforcing borrower safety and process standardisation
UPI-linked credit gains momentum as banks expand Credit Line on UPI and RuPay Credit Card on UPI
Ongoing move towards stability, accountability and financial access
COUNTRY REPORTS DISCLAIMER
The following categories and subcategories are included:
Consumer Credit
- Auto Lending
- Card Lending
- Durables Lending
- Education Lending
- Home Lending
- Other Personal Lending
Consumer Credit
Non-mortgage consumer debt extended to individuals for personal or household use including installment loans and credit cards. Examples of consumer credit include auto lending, card lending, durables lending, education lending, home lending and other personal loans. Consumer credit includes both revolving and non-revolving credit.
See all of our definitionsWhy buy this report?
- Gain competitive intelligence about market leaders
- Track key industry trends, opportunities and threats
- Inform your marketing, brand, strategy and market development, sales and supply functions
This report originates from Passport, our Consumer Credit research and analysis database.
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