India's Loan Market Booms: Personal Loans Soar 35%, Young Buyers Drive Home Loans

• Personal loans surged 35% year-on-year in 2025, driven by demand for short-term, small-ticket loans for daily needs and emergencies, according to PB Fintech.
• Salaried employees account for nearly 70% of personal loan disbursals, with Delhi and Mumbai leading metropolitan contributions.
• Home loans grew 12% in 2025, with 16% of new borrowers under 30, indicating younger individuals are purchasing homes earlier.
• Average home loan ticket size increased from ₹29 lakh in 2022 to ₹37 lakh in 2025, with 58% of loans under joint ownership.
• Traditional unsecured credit card issuance dropped 21%, while secured credit cards soared 62%, as young consumers opt for risk reduction and credit building.

Why It Matters: Indian loan market sees significant shifts: personal loans boom, young buyers drive home loans, and secured credit cards gain traction.