India, Dec. 12 -- India's unsecured credit landscape is going through a structural transformation, which is driven by stronger borrowers' discipline, broader credit penetration, and renewed lenders' confidence. According to Experian's latest report, 'Credit Insights: Unsecured Loans (September 2025),' the country is seeing sustained momentum across personal loans, credit cards, and loans for cars and consumer durables. The report notes that "fresh sourcing of loans in Q2-FY26 remained strong," due to larger ticket sizes, expanding participation from non-banking finance companies (NBFCs), and better repayments. This marks a maturing credit environment nationally, which is shaped by the rise of digital lending platforms.

The study undersco...