Aaj Indian finance aur fintech ecosystem mein sabse bada dhamaka ho raha hai – Credit on UPI ka scale-up! Payments ke baad ab credit har jagah pahunch raha hai, jaise UPI ne digital payments ko ubiquitous bana diya. Ye trend na sirf new-to-credit users ko empower kar raha hai balki poora financial landscape badal raha hai.
Payments Se Credit Tak: Fintech Ka Naya Chapter
India ka fintech sector ab payments se aage badh chuka hai. Pehle UPI ne har transaction ko digital bana diya, ab focus hai credit ubiquity par. Jaise Priyanka Kanwar, CEO of Falcon, kehte hain, ‘2026 mein Credit on UPI finally scale karega, especially new-to-credit segments ke liye.’ Ye shift sirf innovation nahi, balki structural change hai jo Indians ko borrow, spend aur formal finance mein participate karne ka naya tareeka de raha hai.
Pehle phase mein growth at all costs tha, ab restraint with intent. Fintechs ab secured products jaise FD-backed credit cards par focus kar rahe hain. Manish Shara of ZET kehte hain, ‘Safer aur disciplined credit growth ho raha hai, jo repayment behaviour improve kar raha hai aur excluded users ko access de raha hai.’ Isse healthy ecosystem ban raha hai jahaan risk management proactive hai.
Digital payments ab normal hai – contactless wallets, UPI transfers jaise cash. Credit side par BNPL aur easy EMIs har roz ki zindagi ka hissa ban gaye hain. School fees se leke groceries tak, sab kuch installments mein. Kundan Shahi of Zavo kehte hain, ‘Ye trends nahi, default ban gaye hain.’
Key Stats Jo Ye Trend Confirm Karte Hain
Reserve Bank of India (RBI) ke data ke mutabik, FY25 mein digital payment volumes 180 billion transactions se upar pahunch gaye, mainly UPI aur embedded payments ki wajah se. Ye number dikhaata hai ki payments foundation ban chuka hai, ab credit layer add ho raha hai.
NPCI ke reports ke anusar, monthly UPI transactions 13 billion se zyada ho gaye hain. Credit Card-on-UPI ka pilot 2025 mein successful raha, jo 2026 mein mainstream hoga, merchant pricing aur spending behaviour ko transform karega. Ye stats prove karte hain ki Indian stock market aur mutual funds ke saath fintech credit penetration badha raha hai.
AI Aur Compliance: Sustainable Growth Ke Pillars
2026 mein AI center stage le raha hai. NASSCOM aur World Economic Forum ke surveys ke anusar, APAC mein 60% se zyada financial firms AI-led automation par prioritize kar rahe hain – fraud prevention, underwriting, collections ke liye. Ramki Gaddapati of Zeta kehte hain, ‘AI catalyst banega servicing aur operational efficiency mein.’
Compliance ab strategic advantage hai. RBI ke supervisory disclosures fraud risks highlight kar rahe hain, isliye stronger authentication aur third-party oversight zaroori hai. Fintechs ab unit economics aur profitability par focus kar rahe hain, scale ke saath. Ye shift global standards jaise Financial Stability Board se align hai.
Embedded finance ubiquitous ho raha hai – mobility, healthcare platforms mein credit aur insurance seamlessly integrate. Agentless Video KYC onboarding simplify karega, costs ghatayega aur underserved regions tak pahunchega. Hyper-personalization DPI 2.0, DigiLocker se aayega, mis-selling kam karega.
Infrastructure: Jo Winners Decide Karega
Ab surface innovation nahi, strong infrastructure matter karega. Cloud-native stacks, resilient systems zaroori hain Credit on UPI, BNPL, global payments ke liye. Banks ko modern UPI aur credit stacks chahiye volume handle karne ke liye.
Fintech 3.0 mein verticalisation of lending deepen hoga, AI-based risk models se. Startup funding 11.5-13.8 Bn USD tak recover karega, lekin selective – governance aur supply-chain wale consolidate karenge. BFSI mein AI spend double hoga, B2B startups ko boost dega.
3 Practical Tips Jo Aapko Is Trend Ka Fayda Uthane Mein Madad Karenge
Ye tips aapke investment aur finance game ko strengthen karenge:
- Credit on UPI se shuru karein: Small-ticket loans leke credit history build karein. New-to-credit hain to secured options jaise FD-backed cards choose karein – low risk, high reward.
- AI-powered apps use karein smartly: Personalized mutual funds aur investment recommendations ke liye apps jaise Groww ya Zerodha explore karein. Hyper-personalization se better returns mileinge.
- Compliance check karein har fintech se: RBI-regulated platforms hi choose karein. KYC strong rakhein taaki fraud se bachein aur long-term financial stability paayein.
Fintech Innovation Aur Entrepreneurship Ka Future
Indian fintech ab consolidation phase mein hai. Payments global jaayenge, MDR headwinds se. Merchant services mature honge. Ye sab entrepreneurship ko boost dega – startups jo resilient infrastructure banayenge, wo win karenge.
Investment opportunities badh rahi hain – Indian stock market mein fintech stocks, mutual funds with fintech exposure. Community building zaroori hai, jahaan knowledge share ho.
Ye evolution se resilience ki taraf hai. 2025 ne capabilities upgrade kiye, 2026 architecture transform karega – smarter, safer, human-centric.
Ant mein, sochiye: Credit ubiquity har Indian ko entrepreneur bana sakta hai. Apne finances ko manage karke, smart investments karke, aap is revolution ka hissa banein. Finance community join karein – discussions karein, experiences share karein, aur saath milkar Indian financial ecosystem ko aur strong banayein. Aapka journey shuru karo aaj, future aapka wait kar raha hai!
