Moneyview Survey Reveals Digital-First Credit Trends in India
Mumbai: A new survey by Moneyview, a leading digital lending platform, highlights a decisive shift in India’s financial behaviour, mapping how borrowers across 700+ districts are embracing credit as a tool for progress rather than emergency support.
Borrowing Confidence on the Rise
The survey shows that in 2025, Indians increasingly used credit to upgrade lifestyles, invest in mobility, improve homes, pursue education, and celebrate family milestones. This reflects a growing perception of credit as a strategic enabler of long-term growth.
Tier II Cities Lead the Surge
Emerging cities such as Coimbatore, Indore, Bhubaneswar, Mysuru, Jaipur, and Nagpur recorded the strongest rise in credit demand, driven by smartphone adoption and growing trust in digital financial products. While healthcare and household needs remained steady borrowing triggers, aspirational categories saw the fastest growth, signalling a confident new borrower segment.
Digital-First Spending Patterns
Borrowers are increasingly channeling loans into digital consumption:
- 55% spent on online shopping
- 52% ordered food online
- 40% used mobile banking apps
AI-led journeys and mobile-first behaviour have become the norm across borrower cohorts, reflecting India’s rapid digital adoption.
Gender-Based Decision Making
The survey also found differences in borrowing decisions: 27% of women borrowers relied on family input, while 21% of men sought advice from friends, colleagues, or financial advisors.
Industry Perspective
Sushma Abburi, Chief Business Officer, Moneyview, said: “India’s consumption patterns in 2025 reflect a nation ready for its next leap. Emerging cities and digitally-native users are shaping a confident, future-ready financial culture. Trust, convenience, and digital readiness are redefining how India borrows, spends, and plans.”
Driving Financial Inclusion
Moneyview reaffirmed its commitment to democratizing access to seamless, affordable financial products. By deepening financial inclusion, the platform aims to empower underserved and aspiring populations to participate confidently in India’s growth story.
