Bengaluru,
31st December, 2025 : Moneyview, a leading
digital lending platform, has released insights from its recent survey on
India’s financial behaviour, capturing a decisive shift in financial behaviour
across 700+ districts. Indians in 2025 showed renewed borrowing confidence,
using credit not just for essentials but increasingly to upgrade lifestyles,
invest in mobility, improve homes, pursue education and mark family milestones.
This shift mirrors wider industry observations indicating that India’s
financial ecosystem is entering a phase where credit is viewed as a strategic
enabler of progress rather than emergency support.
Moneyview’s
data reveals that India’s emerging cities such as Coimbatore, Indore,
Bhubaneswar, Mysuru, Jaipur and Nagpur recorded the strongest surge in credit demand,
reflecting rising smartphone-led adoption and greater trust in digital
financial products. While healthcare and household needs remained consistent
borrowing triggers, progress-led categories saw the fastest growth, signalling
a confident and aspirational borrower segment. Digital consumption patterns
also strengthened, with personal loan users actively spending on online
shopping, food delivery and fintech apps through the year.
Demand
surged most strongly across cities such as Coimbatore, Indore, Bhubaneswar,
Mysuru, Jaipur and Nagpur, signalling that non-metro markets are increasingly
exhibiting metro-level credit maturity. Decision-making patterns also varied by
gender: family continued to play a decisive role for women borrowers (27%),
while men (21%) were more inclined to seek inputs from friends, colleagues or
financial advisors before borrowing.
Digital-first
activity increased notably, with 55% of personal loan users spending
on online shopping, 52% on food ordering and 40% using
mobile banking apps, while AI-led journeys and mobile-first financial
behaviour became the norm across borrower cohorts.
Sharing
her thoughts on the insights, Sushma Abburi, Chief Business Officer, Moneyview,
said, “India’s consumption patterns in 2025
reflect a nation ready for its next leap. Emerging cities and digitally-native
users are shaping a confident, future-ready financial culture. Trust,
convenience and digital readiness are redefining how India borrows, spends and
plans. At Moneyview, we remain committed to building accessible and
user-friendly financial products that empower individuals, whether for everyday
expenses or long-term aspirations.”
As
digital adoption accelerates, Moneyview continues its commitment to
democratizing access to seamless, affordable financial products, deepening
financial inclusion and enabling India’s underserved and aspiring populations
to participate confidently in the country’s growth story.
About
Moneyview: Moneyview, founded by Puneet Agarwal and
Sanjay Aggarwal in 2014, is a leading financial services company headquartered
in Bengaluru that focuses on leveraging technology to provide accessible
financial services to every Indian with a smartphone. With the support of data
and technology, Moneyview currently offers personal loans, personal finance
management solutions, and credit trackers and has launched a series of
financial products, including fixed deposits, UPI, digital gold, home loans,
loans against property, and insurance. A series-E funded company, Moneyview is
backed by investors like Apis Partners, Tiger Global, Accel Partners, and
Ribbit, amongst others. Moneyview strives to empower individuals through
inclusive financial solutions that promote financial health and stability.