NITI Aayog Report: Women Hold ₹76 Lakh Cr Credit Portfolio

Current Context: On 7 April 2026, NITI Aayog (National Institution for Transforming India) launched the report “From Borrowers to Builders: Women and India’s Evolving Credit Market” in New Delhi.

• Released by Nidhi Chhibber (Chief Executive Officer, NITI Aayog) and Anna Roy (Mission Director, Women Entrepreneurship Platform – WEP), in collaboration with TransUnion CIBIL (Credit Information Bureau India Limited) and MicroSave Consulting – MSC.
• Women now hold a ₹76 lakh crore credit portfolio, accounting for 26% of India’s total system credit.
• Credit penetration rose from 19% to 36% in 8 years; Commercial Credit CAGR (Compound Annual Growth Rate) for women is 31% vs 17% overall.
• 16 crore active women borrowers, with 69% of new housing loans originated by women; fastest growth in Bihar (59% CAGR) & Uttar Pradesh (42% CAGR).
• Women show stronger repayment (default rate 0.7x lower), aided by Digital Public Infrastructure (UPI – Unified Payments Interface, e‑KYC – electronic Know Your Customer), yet 29 crore credit‑eligible women remain unserved.

Question:

Q.1 According to the report “From Borrowers to Builders: Women and India’s Evolving Credit Market”, women’s share in total system credit is:
a) 15%
b) 20%
c) 26%
d) 35%

Answer: c) Women hold around 26% of the total credit in India.