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Consumer Credit in India

Publisher Euromonitor International
Published Jun 09, 2025
Length 15 Pages
SKU # EP20118727

Description

In 2024, credit card lending retained its position as the largest category within consumer credit by gross lending value, with total disbursements estimated at around INR 3.5 trillion. Despite a slowdown in new card issuance and a cautious lending approach by banks following the Reserve Bank of India’s increased risk weights on unsecured credit in late 2023, existing cardholders continued to drive substantial transaction volumes.

Euromonitor International's Consumer Credit in India report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Auto Lending, Card Lending, Durables Lending, Education Lending, Home Lending, Other Personal Lending.

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?
* Get a detailed picture of the Consumer Credit market;
* Pinpoint growth sectors and identify factors driving change;
* Understand the competitive environment, the market’s major players and leading brands;
* Use five-year forecasts to assess how the market is predicted to develop.

Table of Contents

15 Pages
Consumer Credit in India
Euromonitor International
June 2025
List Of Contents And Tables
CONSUMER CREDIT IN INDIA
KEY DATA FINDINGS
2024 DEVELOPMENTS
Credit card lending remains dominant despite disbursal slowdown
Secured lending surges as lenders rebalance portfolios amid RBI tightening
FinTech’s recalibrate lending models amidst regulatory and funding challenges
PROSPECTS AND OPPORTUNITIES
Second-tier cities to drive next wave of credit card and consumer durable lending
Co-lending and embedded finance models to power future growth
Auto lending to witness renewed growth supported by policy and infrastructure
CATEGORY DATA
Table 1 Consumer Credit: Outstanding Balance by Category: Value 2019-2024
Table 2 Consumer Credit: Outstanding Balance by Category: % Value Growth 2019-2024
Table 3 Consumer Credit: Gross Lending by Category: Value 2019-2024
Table 4 Consumer Credit: Gross Lending by Category: % Value Growth 2019-2024
Table 5 Forecast Consumer Credit: Outstanding Balance by Category: Value 2024-2029
Table 6 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2024-2029
Table 7 Forecast Consumer Credit: Gross Lending by Category: Value 2024-2029
Table 8 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2024-2029
CONSUMER LENDING IN INDIA
EXECUTIVE SUMMARY
Consumer lending in 2024: The big picture
2024 key trends
Card lending remains resilient amid increasing credit adoption
Alternative lending strengthens foothold through innovation and partnerships
RBI’s proactive supervision redefines digital lending dynamics, while BNPL sees tighter regulations
What next for consumer lending?
MARKET DATA
Table 9 Consumer Lending: Outstanding Balance by Category: Value 2019-2024
Table 10 Consumer Lending: Outstanding Balance by Category: % Value Growth 2019-2024
Table 11 Consumer Lending: Gross Lending by Category: Value 2019-2024
Table 12 Consumer Lending: Gross Lending by Category: % Value Growth 2019-2024
Table 13 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2019-2024
Table 14 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2019-2024
Table 15 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2019-2024
Table 16 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2019-2024
Table 17 Forecast Consumer Lending: Outstanding Balance by Category: Value 2024-2029
Table 18 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2024-2029
Table 19 Forecast Consumer Lending: Gross Lending by Category: Value 2024-2029
Table 20 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2024-2029
DISCLAIMER
SOURCES
Summary 1 Research Sources

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