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New to credit loans dip in Q1 as lenders turn cautious: Report
Millennium Post Delhi
|Delhi 25 September 2025
In what can lead to concerns from a financial inclusion agenda perspective, cautious stance by lenders led to the share of new to credit (NTC) borrowers slowing down in the June quarter, a report said on Wednesday.
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Only 16 per cent of loan originations in the April-June period were classified as NTC, as against 18 per cent in the year-ago period and 20 per cent in 2023, according to the report by Transunion Cibil.
“An increase in NTC percentage indicates higher financial inclusion’ the leading credit information bureau said in the quarterly report.
The decrease has been the result of lenders getting “cautious’, the Cibil report added.
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