India's Personal Loans Soar 35%, Young Buyers Drive Home Loans & Secured Cards

• India's personal loan growth surged to 35% in 2025, primarily fueled by small-ticket borrowing, with salaried individuals accounting for 70% of disbursals.
• Home loans saw a 12% increase, notably driven by younger borrowers under 30, who now comprise 16% of new loan takers.
• The average home loan ticket size rose to Rs 37 lakh in 2025 from Rs 29 lakh in 2022, with joint ownership dominating 58% of loans.
• Traditional unsecured credit card issuance declined 21%, while secured credit cards grew robustly by 62%, reflecting a shift towards credit building.
• Younger users, especially those under 25, increasingly opted for secured cards, with Delhi NCR and Mumbai leading new card issuance.

Why It Matters: India's credit market sees significant shifts: personal loan boom, younger home buyers, and a surge in secured credit cards.