NITI Aayog report: women now hold ₹76 lakh crore, or 26%, of India's credit
NITI Aayog CEO Nidhi Chhibber released the second edition of 'From Borrowers to Builders: Women and India's Evolving Credit Market' on 7 April 2026; it finds women hold a ₹76 lakh crore credit portfolio, 26% of system credit.
Summary
NITI Aayog CEO Nidhi Chhibber released the second edition of the report 'From Borrowers to Builders: Women and India's Evolving Credit Market' in New Delhi on 7 April 2026. Prepared by TransUnion CIBIL and MicroSave Consulting under NITI Aayog's Women Entrepreneurship Platform (WEP), it finds that women borrowers hold a credit portfolio of ₹76 lakh crore, 26% of total system credit, up 4.8 times since 2017 from ₹16 lakh crore. Between December 2017 and December 2025, the number of credit-active women grew at a compound annual rate of 9% and credit penetration among women rose from 19% to 36%. Credit to women business borrowers grew at 31% a year between 2022 and 2025, against 17% for overall commercial credit, and the report counts nearly 45 crore credit-eligible women.
Key facts
- Report
- From Borrowers to Builders (2nd edition)
- Released
- 7 April 2026 by NITI CEO Nidhi Chhibber
- Women's credit
- ₹76 lakh crore, 26% of system credit (₹16 lakh crore in 2017)
- Penetration
- 19% → 36% (Dec 2017–Dec 2025)
- Prepared by
- TransUnion CIBIL and MicroSave Consulting, under WEP
Practice MCQs 3 questions
According to NITI Aayog's 'From Borrowers to Builders' report (April 2026), what credit portfolio do women borrowers in India hold, and what share of system credit is it?
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Correct answer: B — ₹76 lakh crore; 26%
The report says women borrowers hold a ₹76 lakh crore credit portfolio, 26% of total system credit. ₹16 lakh crore was the 2017 figure.
Consider the following statements about NITI Aayog's report released on 7 April 2026: 1. It is the second edition of 'From Borrowers to Builders: Women and India's Evolving Credit Market'. 2. Credit penetration among women rose from 19% to 36% between December 2017 and December 2025. Which of the statements given above is/are correct?
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Correct answer: C — Both 1 and 2
Both are correct as per NITI Aayog's release on the report.
Under NITI Aayog's Women Entrepreneurship Platform, the 'From Borrowers to Builders' report was prepared by which organisations?
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Correct answer: D — TransUnion CIBIL and MicroSave Consulting
NITI Aayog said the report, under the aegis of WEP, was prepared by TransUnion CIBIL and MicroSave Consulting (MSC).