Insights to help you borrow smarter
Practical guides, explainers, and tips from our financial experts.
UPI: India's Digital Payments Powerhouse
UPI has become the world's largest real-time payments platform, processing 24,162 crore transactions in FY2025–26 a 12,000x leap from its launch. Daily transactions average 66 crore, commanding 85% of India's digital payment volume. UPI's transaction trail is now a powerful credit signal for lenders.
WPSBs Sanction ₹52,300 Cr to 3.96 Lakh MSMEs
Between April–December 2025, Public Sector Banks approved 3.96 lakh MSME applications worth Rs. 52,300 crore (US$ 6.30 billion) under a new digital credit underwriting model. The model uses data analytics to cut documentation and speed up approvals for first-time borrowers.
Housing Credit Hits ₹33 Lakh Crore —Demand Surges
Housing credit in India grew to Rs. 33,05,691 crore by February 2026, up from Rs. 30,10,477 crore in March 2025. Rising urbanisation, affordable housing demand, and repo rate cuts are driving this boom making it the best time to secure a competitive home loan.
RBI Cuts Repo Rate to 5.25% — Your EMI Just Got Cheaper
RBI cut the repo rate cumulatively by 125 basis points through 2025 to 5.25% — the lowest since July 2022. Floating-rate borrowers on home, car, and personal loans see lower EMIs. A ₹50 lakh home loan at 8.5% vs 8.75% saves approx. ₹795/month over 20 years.
Digital Lending to Touch 5% of Retail Loans by FY28
Digital lending is projected to reach 5% of all retail loans by FY28, growing at 40% annually from 1.8% in FY22. In FY24, digital loans enabled Rs. 62 lakh crore in retail credit disbursement. Gen Z and millennials are driving this transformation in borrowing behaviour.
55 Crore Jan Dhan Accounts Fuel Credit Access for All
By February 2025, 54.97 crore bank accounts were opened under PM Jan Dhan Yojana, with 6.65 lakh new accounts added in July 2025 alone. A 3 month financial inclusion campaign was launched in July 2025 targeting full saturation at local levels creating India's largest new borrower base.
Kisan Credit Card Goes Fully Digital — RBI & RBIH Transform Agri Lending
The RBI and Reserve Bank Innovation Hub jointly digitalised KCC loan delivery — making Kisan Credit Card disbursements fully digital and hassle-free. Union Budget 2025 simplified KYC with a revamped Central KYC Registry. These reforms mean faster agri-credit with minimal paperwork for farmers.
2.08 Lakh ATMs Nationwide Signal India's Expanding Credit Reach
India's ATM and CRM network stood at 2,08,834 units across scheduled commercial banks as of February 2026. SBI leads in ATM presence, while HDFC Bank and ICICI Bank aggressively expand. Total banking sector assets reached Rs. 2,87 lakh crore (US$ 3.36 trillion) in 2025.
64 BFSI Deals Worth ₹27,472 Cr in Q3 CY24 — Sector Consolidates
The BFSI sector saw 64 M&A and PE deals worth Rs. 27,472 crore in Q3 CY2024. High-value deals (>Rs. 2,576 crore) accounted for Rs. 12,878 crore. Notable: KKR acquired HDFC Credila for Rs. 9,444 crore; Indian corporates raised Rs. 58,120 crore through 230+ private credit deals in 2024.
Bank Loan Growth at 13.8% YoY — Credit Cycle at Your Disposal
India's bank loan growth reached 13.8% YoY in March 2026. Personal loans form 32% of total credit; housing loans account for over half that. Credit to female borrowers grows faster than male. RBI cut CRR by 100 bps to 3%, injecting liquidity and supercharging the credit cycle.