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From borrowers to builders women and India’s evolving credit market

This report examines women’s growing participation in India’s credit market, highlighting trends in credit uptake, digital adoption, and enterprise financing. It explores how women are progressing across credit segments and contributing to broader economic growth.

This report, “From Borrowers to Builders: Women and India’s Evolving Credit Market,” by TransUnion CIBIL, NITI Aayog’s WEP, and MSC, analyzes women’s expanding role in India’s formal credit ecosystem. It presents trends in credit access, product diversification, and digital adoption, alongside behavioral insights on women entrepreneurs. The report highlights women’s progression from microfinance to business lending and outlines opportunities to strengthen financial inclusion, digital engagement, and enterprise growth. The previous report provides insights into women as a diverse customer segment. 

This report was first published on 8th April 2026 by NITI Aayog  and PIB Delhi.

This was covered by media and was published by The Times of India:

  1. Women borrowers raise 76L crore in 2025, 5x increase in 8 years
  2. Share of women in credit rising boosted by digital platforms

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jayan-nair

MSC