New Delhi, March 24 (IANS). Digital NBFCs (non-banking financial companies) have disbursed 9.9 crore digital personal loans in the first nine months (April to December) of FY26 and their value stood at Rs 1,53,260 crore. This information was given in the report released on Tuesday.
The report released by the Fintech Association for Consumer Empowerment (FACE) said that in the review period, the share of loans issued by digital NBFCs in the total personal loan volume was 78 percent and 19 percent in value.
It was told in the report that the value of loans issued in the third quarter of the financial year 2025-26 has seen an increase of 53 percent on an annual basis and the reason for this is the increase in ticket size. However, the average ticket size of digital NBFCs is much lower compared to the average ticket size of full-fledged NBFCs and banks, which are around Rs 1 lakh and Rs 5 lakh respectively.
The number of outstanding digital personal loan accounts as of December 2025 was 6.47 crore and an amount of Rs 1.39 lakh crore is outstanding on them.
Sugandh Saxena, CEO of AACE, said, “The digital personal loan market continues to make steady progress, establishing its importance for financial inclusion and inclusive and resilient growth. Trends show that the market is expanding reach as it continuously adjusts strategies to sustain growth and improve portfolio quality.”
Portfolio quality has improved, and assets over 90 days outstanding (DPD) declined from 3.3 per cent in March 2023 to 1.9 per cent in December 2025.
The report said loan disbursement in the fintech sector continues to be normal, with 60 per cent of the sanctioned amount going to borrowers below 35 years of age, 18 per cent to women and 39 per cent to customers in Tier 3 cities and beyond.
–IANS
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