
The Bharat Borrowers: How 88% Credit Demand from Non‑Metros Is Reshaping India's Fintech Future
In a small town in Uttar Pradesh, a first‑time borrower gets a ₹12,500 loan approved in minutes — using only UPI transaction history as collateral. Across India, 88% of credit demand now comes from non‑metro regions, and 58% of digital loan users are first‑time borrowers. TIGI unpacks the Credit on UPI revolution and the fintech startups racing to serve Bharat's new credit economy.








