A new report from BharatLoan shows that many women in India are starting to borrow money for various needs. In fact, about half of all women who take loans are aged between 25 and 35 years old. Women from Maharashtra and Karnataka are leading the way, making up the largest portions of loans given out.
According to the ‘BharatLoan Lending Report 2025,’ which was released just before International Women’s Day, women now receive nearly 11% of all loans in India. Although it’s still a small percentage, it’s a sign that more women are learning about financial options and finding it easier to access loans.
The report reveals that women from Maharashtra receive 28% of total loans, while Karnataka, Tamil Nadu, and Delhi follow with 23%, 13%, and 11% of loans, respectively. This shows that most loans are being given in the western and southern parts of the country.
In the last few years, loans given to women have been increasing by 6-8% each year. There was a 5% increase in 2023 and a notable 13% jump in 2024. The report expects this growth to continue in 2025, with projections of an 18-19% increase in loans to women.
The age group that borrows the most is 30 to 35 years old at 27.81%. Following closely are those aged 25 to 30 years (22.68%) and those aged 35 to 40 years (22.57%). This pattern shows that younger working women are using loans for things like advancing their careers, getting a better education, and managing their finances.
More than a third of women who borrow money have jobs and earn between ₹30,000 and ₹50,000 a month. Another 24% earn between ₹50,000 and ₹70,000, while over 16% make between ₹70,000 and ₹1 lakh.
Amit Bansal, the Founder of BharatLoan, emphasized that while it’s great to see more women participating in borrowing, there is still a lot of work to do. He believes we need to make it even easier for more women to get loans.
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