New-to-credit (NTC) borrowers slowed in Q1FY26, making up 16% of loan originations, down from 18% a year ago, as lenders took a cautious stance, TransUnion Cibil reported. Credit-active consumer growth fell to 9% versus 15% last year, with slight stress in repayments. While youth credit demand declined, semi-urban and rural lending helped overall portfolio growth.
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