A review of India's
Credit Ecosystem -
Joint report by Experian
and Invest India

The rise of fintechs, credit-ready consumers and
the great Indian credit scene

India’s consumer credit market projected to grow at a higher rate than most major economies worldwide

A modern, growing, and robust economy rests on the cornerstone of financial inclusion. The rise in 'affluent middle class' and growth in the rural economy is changing consumer spending patterns and driving the bulk of India’s consumption growth. All this presents a compelling opportunity for companies in the credit sector. With access to technology, digital platforms, higher spending capacity and rise of the working class and their changing demographics, India is bridging the financial inclusion gap.

The report not only analyses the credit ecosystem in the country with its key drivers of growth, but also predicts what the future holds for this ever-growing sector. It examines in detail the various schemes unveiled by the Government of India to boost income in urban, semi-urban as well as rural areas whilst recording the rise in unsecured loans, stressing the need to identify innovative ways to assess the borrower’s creditworthiness and disbursing the loans in hassle-free, non-traditional ways.

Get the report to understand the various levers that have supported India's credit ecosystem, such as:

  • Evolution of Indian consumers and their needs
  • Credit growth trends
  • Future trends and Drivers of credit growth
  • Role of Fintechs in changing the customer landscape  
  • Implications of covid-19 & reforms initiated to mitigate impact
  • Road ahead for the credit market in India
A Review of India’s Credit Ecosystem – Joint report by Experian and Invest India

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