•Women borrowers in India are a fast-growing segment, reaching 8.9 crore by Dec 2025 with a 14.2% CAGR (CRIF High Mark).
•They show stronger repayment trends (2.8% delinquency vs 3.3% for men) and higher participation in gold (43.5%) and education loans (36.7%).
•Women's share in business loan volumes is 50.4%, and new-to-credit women rose from 33% to 41% by Dec 2025, indicating deeper financial integration.
•Despite credit growth, women received only 11% of home loan approvals in 2025 across 13 major markets, as per Urban Money.
•Reasons for low home loan approvals include income disparities, lower workforce participation, and limited credit histories, leading to lower average ticket sizes.
