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Credit monitoring by women has gone up by 42 % in 2024 who have also managed to improve their credit score according to a report by credit bureau Transunion Cibil.At the same time credit penetration has also increased with more women borrowers coming from semi urban and rural areas and from the age group below 30 years, it said.27 million women borrowers in India were actively monitoring their credit in December 2024, 42% higher than the approximately 19 million women who were doing so in December 2023 according the report titled “From Borrowers to Builders: Women’s Role in India’s “Financial Growth Story”, published by TransUnion CIBIL , Women Entrepreneurship Platform’s (WEP) of Niti Aayog and MicroSave Consulting (MSC).The number of women availing credit in India has increased at a compound annual growth rate (CAGR) of 22% between CY 2019 and 2024 with 60% of borrowers coming from semi-urban and rural areas.. While consumption loans continue to be the preferred products held by women borrowers, the report also show that more women are also availing business loans. In 2024, the number of new loan accounts opened by women for business purposes (business loans, commercial vehicle and commercial equipment loans, loans against property) grew by approximately 37 lakh, with disbursement totaling Rs 1.9 lakh crore, compared to approximately 8 lakh new loan accounts for business purposes and total disbursement of Rs 0.7 lakh crore in 2019. But these loans constituted only 3% of overall loans availed by women borrowers in 2024.Consumption loans remain the most preferred credit product among women borrowers. The share of women borrowers with active consumption loans in their wallet grew to 36% by December 2024, from 33% in December 2019. Agri and gold loans combined were held by 34%of women borrowers by December 2024 compared to 32% in December 2019. Business loans witnessed the highest share shift, with 16% of women borrowers by December 2024 holding a live business purpose loan, compared to 9% in December 2019.

Markets regulator Sebi has allowed all non-banking financial companies (NBFC), including housing finance companies, to invest in security receipts issued by Asset Reconstruction Companies (ARCs), a move aimed at encouraging investments in the bad loans space. This has widened the scope of participants who can acquire security receipts from ARCs, thereby boosting liquidity in the distressed asset market. ARCs are set-up to acquire bad loans from banks and financial institutions after appropriate haircuts and issue security receipts (SRs). In a gazette notification issued on February 28, Sebi said, "all NBFCs including HFCs regulated by the Reserve Bank of India (RBI) are hereby specified as qualified buyers for the purposes of SARFAESI Act (the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (54 of 2002)". This comes with safeguards to avert defaulting promoters from claiming back the secured assets through SRs. Sebi said that such "NBFCs including HFCs will have to ensure that the defaulting promoters or their related parties do not directly or indirectly gain access to secured assets through security receipts; and such NBFCs including HFCs shall comply with such other conditions as the RBI may specify from time to time". As per the SARFAESI Act, only qualified buyers can invest in security receipts.