Digital lending is set to hit ₹5 TRILLION by FY28! 📈
With a 40% CAGR growth, the industry is expected to double its market share in India’s retail loan space in just four years.
And the best part? It’s just getting started!
What’s Driving This Massive Growth?
🔹 Gen Z & Millennials Leading the Way
✅ ₹25-28 Trillion borrowed in FY24 on credit cards, personal & home loans.
✅ ₹3.5-4 Trillion borrowed, with 40% of loans being for travel, gadgets & experiences.
🔹 Untapped Market Potential
Currently, only 15-20% of Gen Z in India is credit-active. Compare that to:
🔹 South Africa: 35-40%
🔹 China: 40-45%
🔹 USA: 75%
The gap is huge, and digital lenders are stepping in!
The Future of Digital Lending in India
✅ NBFCs & Fintechs will lead as digital lending outpaces traditional banks.
✅ Greater credit access for low & middle-income groups.
✅ AI-driven lending will enable personalized approvals using alternative credit scoring.
Want to Start a Digital Lending Business?
✔ Get an NBFC License – RBI approval is required to lend in India legally.
✔ Build a Strong Compliance Framework – Digital lending is booming, but regulations are tightening.
✔ Use API-Driven Verification – Real-time KYC & fraud detection will set you apart.
✔ Focus on User Experience – Fast, transparent loan approvals = higher customer trust.
✔ Stay Ahead of Regulations – Compliance is the biggest challenge in fintech.
The Opportunity is HUGE… But only if you move fast!
If you’re looking to start a lending business, get NBFC registration, or navigate compliance challenges – we can help!
Contact us for a free consultation:
📞 +91 93113 47006
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