印度的小额金融贷款在2025年12月前下降了22%,原因是贷款更加严格,但随着大额贷款占主导地位,付款额上升了6%。 India's microfinance loans declined 22% by Dec 2025 due to stricter lending, but disbursements rose 6% with larger loans dominating.

由于贷款标准的严格化和资产质量问题,印度的小额贷款部门在2025年12月之前的贷款额度同比下降了22%,达到2.69万亿卢比,但支出却增长了6%,达到63,348亿卢比. India's microfinance sector saw a 22% year-on-year decline in outstanding loans to ₹2.69 lakh crore by December 2025, driven by tighter lending standards and asset quality concerns, yet disbursements rose 6% to ₹63,348 crore. 平均贷款规模达到创纪录的61 253分, 超过75 000分的贷款超过75 000分之七, 占新付款的38%, 高于25%。 The average loan size hit a record ₹61,253, with higher-ticket loans above ₹75,000 making up 38% of new disbursements, up from 25%. 50 000英镑以下的贷款从33%下降到17%。 Loans under ₹50,000 fell to 17% from 33%. 违约率有所改善,逾期30天的违约率为3.9%,单一贷款人贷款人增加到73%. Delinquency rates improved, with 30+ days past due at 3.9%, and single-lender borrowers rose to 73%. NBFC-MFIs获得市场份额,占新贷款的44%,而银行的份额降至25%。 NBFC-MFIs gained market share, accounting for 44% of new loans, while banks' share dropped to 25%.