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Now we have women who strongly dislike credit, who would choose it as the last resort and ones who embrace it as a means to increase their budget or meet business objectives. While their opinions might differ there are some quite common challenges they face when approaching credit score platforms. In this text, we assess the borrowing patterns of our respondents in terms of formal/informal sources, most well-liked instruments and apprehensions in terms of credit score as an concept. As per the Reserve Bank of India, there are around 940 million debit cards in India as of December 2022 whereas the credit cards stagger at 81 million1. This goes to indicate that there’s solely 1 credit card for every 12 debit cards in India. Though globally the common credit score scores of men and women are actually an identical, proof states that in India, male members of a family usually tend to personal credit playing cards than their female counterparts2. This might be because ladies, employed or not are dependent on their husbands or fathers with the intention to make monetary selections.

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