The report, Digital Personal Loans – Dec 2025, is based on data from CRIF High Mark and analyses trends from more than 110 digital NBFCs between April 2022 and December 2025.
It shows that the average ticket size of digital personal loans rose to ₹15,493, up roughly 18% from FY24-25.
Outstanding digital personal loan portfolios reached 6.47 crore accounts totaling ₹1.39 lakh crore as of December 2025, marking a 53% increase from March 2024.
Portfolio quality, measured by DPD 90+, improved to 1.9%, down from 3.3% in March 2023.
The distribution of sanctioned value indicates that 60% went to borrowers under 35 years of age, 18% to women, and 39% to customers from Tier III cities and beyond. Year-on-year sanction value growth stood at 53% in Q3 FY25-26 compared with Q1-Q3 FY24-25, primarily due to an increase in average ticket size.
Commenting on the report, Sugandh Saxena, CEO of FACE, said, “The trends show expanding market access as it constantly calibrates strategies to sustain the growth and improve portfolio quality. Digital loans have a unique place in the consumer’s financial management tool kit, as they seek liquidity for dreams and distress.”