Decoding Credit - Volume I
Credit and Beyond is the inaugural Handbook of the Decoding Credit series. It lays the foundation for understanding credit in its simplest form while exploring its impact on everyday financial decisions.
Your Credit Report is more than just a document - it is a financial blueprint that shapes your borrowing power, interest rates, and even job prospects. In India, where Credit Scores influence everything from loans to employment and rental agreements, staying informed is no longer optional - it is essential. Yet, many people do not fully understand how credit works, what impacts their Credit Score, or how to fix errors when things go wrong. Many myths and misconceptions exist around how credit works, and misinformation can lead to costly mistakes.
That is where this Handbook comes in.
This Handbook is designed to simplify the complexities of Credit Information and empower you with the knowledge to take control of your financial future.
Decoding Credit - Volume II
“After years of rapid expansion, India’s lending ecosystem entered CY2025 at a crossroads - where growth began to be tested by risk, regulation, and changing borrower realities.”
The purpose of this report is to present a comprehensive, product-wise assessment of India’s lending landscape during CY2025 - a year that represented a meaningful inflection point in the evolution of the country’s credit markets. Following several years of rapid post-pandemic expansion, CY2025 marked a phase of growth normalisation, shaped by changing borrower behaviour, recalibrated lender strategies, and a sharper regulatory focus on credit quality and systemic resilience.
Moving beyond aggregate credit growth metrics, the report offers a granular analysis of loan performance across key segments, including housing loans, auto loans, personal loans, credit cards, and microfinance.