India's personal loan sector experienced a significant surge, growing 35 percent year-on-year in 2025, primarily fueled by small-ticket, short-term borrowing. Salaried individuals constituted the majority of borrowers, with metro cities like Delhi and Mumbai leading disbursals. Housing loans also saw a 12 percent increase, with a notable rise in younger borrowers and an increased average loan size. Credit card trends indicate a decline in unsecured card issuance but a substantial growth in secured cards, particularly among younger demographics seeking to build credit history.