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Consumer Credit in India

Publisher Euromonitor International
Published Jan 14, 2026
Length 14 Pages
SKU # EP20773039

Description

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.

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

14 Pages
Consumer Credit in India
Euromonitor International
January 2026
List Of Contents And Tables
CONSUMER CREDIT IN INDIA
KEY DATA FINDINGS
2025 DEVELOPMENTS
Credit cards retain key role
INDUSTRY PERFORMANCE
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
WHAT’S NEXT?
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
CATEGORY DATA
Table 1 Consumer Credit: Outstanding Balance by Category: Value 2020-2025
Table 2 Consumer Credit: Outstanding Balance by Category: % Value Growth 2020-2025
Table 3 Consumer Credit: Gross Lending by Category: Value 2020-2025
Table 4 Consumer Credit: Gross Lending by Category: % Value Growth 2020-2025
Table 5 Forecast Consumer Credit: Outstanding Balance by Category: Value 2025-2030
Table 6 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2025-2030
Table 7 Forecast Consumer Credit: Gross Lending by Category: Value 2025-2030
Table 8 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
CONSUMER LENDING IN INDIA
EXECUTIVE SUMMARY
Consumer lending continues to stabilise
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
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
WHAT’S NEXT?
Ongoing move towards stability, accountability and financial access
MARKET DATA
Table 9 Consumer Lending: Outstanding Balance by Category: Value 2020-2025
Table 10 Consumer Lending: Outstanding Balance by Category: % Value Growth 2020-2025
Table 11 Consumer Lending: Gross Lending by Category: Value 2020-2025
Table 12 Consumer Lending: Gross Lending by Category: % Value Growth 2020-2025
Table 13 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2020-2025
Table 14 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2020-2025
Table 15 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2020-2025
Table 16 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2020-2025
Table 17 Forecast Consumer Lending: Outstanding Balance by Category: Value 2025-2030
Table 18 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2025-2030
Table 19 Forecast Consumer Lending: Gross Lending by Category: Value 2025-2030
Table 20 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
SOURCES
Summary 1 Research Sources

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