Women’s Day : Research of Home Credit India specially for women! New identity as ‘Quiet Financial Revolutionaries’

In the wake of Women’s Day, research by Home Credit India has highlighted the growing role of Indian women in the financial sector. According to the company’s How India Borrows Study 2025 (HIB 7.0) and The Great Indian Wallet 3.0 (GIW 3.0) reports, women are driving India’s economic transformation by leading digital transactions, financial literacy and responsible borrowing practices.

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According to the report, there is a large participation of women in digital transactions. About 66 percent of women shop online. The research states that digital transactions are making household expenditure management easier, saving time and increasing financial self-reliance. Women’s participation in choosing financial services is also increasing. 51 percent of women preferred to choose the best financial options, compared to 49 percent of men. The research shows that while giving priority to digital transactions, trust is also given importance by women. About 39 percent of women still prefer to visit a physical bank or service center. Hence, it is clear that digital convenience and safe decision are being used in balance by women.

It has been concluded that the role of women is more responsible in terms of taking loans. 65 percent of women take loans only when needed. Also, 46 ​​percent of women consult family or friends before taking out a loan, while 34 percent of women check their credit score first.

There is also a growing awareness among women about financial literacy. 66 percent of women are trying to get financial education. He also said that 74 percent of women are aware of online financial fraud. The GIW 3.0 report notes that women’s attitudes are also changing when it comes to ambitions. About 75 percent of women contribute significantly to the family income. 26 percent of women are looking for better employment opportunities, while 22 percent want to start their own business.

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31 percent of women have expressed their desire to have their own house, while 26 percent of women want to give good education to their children. Interestingly, 67 percent of women are confident that they will achieve their financial goals in the next five years. The research also revealed that debt is no longer viewed as a burden, but as a tool for progress. 66 percent of women said that loans are helpful in achieving their goals in life. Also, almost half of the women mentioned that they were able to fulfill their ambitions due to the availability of loans. Ashish Tiwari, Chief Marketing Officer, Home Credit India, said that Indian women are making financial decisions driven by ambition and awareness. They are embracing digital financial services, prioritizing transparency and long-term stability. He said the company is committed to empowering and providing reliable financial tools to women.