The second edition of the report, 'From Borrowers to Builders: Women and India’s Evolving Credit Market', released by NITI Aayog in collaboration with the Women Entrepreneurship Platform (WEP), TransUnion CIBIL, and MicroSave Consulting, marks a significant milestone in tracking gender-based financial inclusion. The report reveals that women now command a credit portfolio of ₹76 lakh crore, accounting for 26% of the total credit in the Indian financial system. This transition from passive borrowing to active participation in the credit market signifies a shift towards 'women-led development', where women are increasingly becoming wealth creators and entrepreneurs. The findings emphasize the systemic movement of women from micro-credit towards larger MSME and commercial credit segments, supported by the growing role of digital public infrastructure and financial literacy initiatives.
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