A 2025 survey indicates a significant shift in personal loan usage, moving beyond emergencies to lifestyle upgrades. Fifty-five percent of users took loans for online shopping, and 52% for food orders. The data also highlights increased use of mobile banking and fintech apps, with Tier-II cities showing the fastest growth in digital credit demand. Borrowers are increasingly using credit for mobility, home improvements, education, and milestone events, reflecting a broader trend of app-led financial behavior.