Women Loans: The dominance of women in India's financial market is growing rapidly. According to a Niti Aayog report, women borrowers account for 26 per cent of the total credit. This translates into a whopping credit portfolio of Rs 76 lakh crore, up nearly 5 times from 2017.
The Niti Aayog shares the data (as of 2025) in its latest report -- From Borrowers to Builders: Women and India's Evolving Credit Market.
As per the Niti Aayog report, the number of women creditors in India grew at a CAGR of 9 per cent between December 2017 and December 2025. During the same period, credit demand by women surged from 19 per cent to 36 per cent.
"The total credit outstanding to women loans grew from Rs 16 lakh crore in 2017 to Rs 76 lakh crore in 2025. With nearly 45 crore credit-eligible women in India, the potential for further expansion remains significant," the Niti Aayog report said.
The women creditors' demand was mainly driven by commercial credit. Women business loan borrowers grew at a CAGR of 31 per cent between 2022 and 2025.
At the same time, a gradual transition of microfinance borrowers was also seen. A total of 19 per cent of active microfinance institution (MFI) borrowers now hold such loans (individual retail and commercial loans).
In terms of geography-wise, northern states like Bihar and Uttar Pradesh showed an increase in growth for women borrowers.
