The Report On From Borrowers To Builders: NITI Aayog
NITI Aayog released the second edition of the joint report From Borrowers to Builders, highlighting that women now hold a ₹76 lakh crore credit portfolio, accounting for 26% of India’s total system credit.
- The report, From Borrowers to Builders: Women and India’s Evolving Credit Market, is a comprehensive study published in April 2026 by NITI Aayog in collaboration with the Women Entrepreneurship Platform (WEP), TransUnion CIBIL, and MicroSave Consulting (MSC).
- It utilizes longitudinal credit data from 16 crore credit-active women and qualitative field insights to map the transition of women from microfinance borrowers to mature business builders.
- Key Data and Statistics:
- Women’s outstanding credit grew 4.8x from ₹16 lakh crore in 2017 to ₹76 lakh crore in 2025.
- Credit penetration among women nearly doubled, rising from 19% in 2017 to 36% in 2025.
- Business-purpose loans for women grew at a 31% CAGR over the last three years, significantly outperforming the overall commercial credit growth of 17%.
- Same-day loan approvals for women in consumption categories increased from 34% in 2022 to 45% in 2025, driven by digital onboarding.
