In this podcast, businessline’s Lokeshwarri SK, Senior Associate Editor, speaks with Bhavesh Jain, MD and CEO of TransUnion CIBIL, on India’s evolving credit landscape. The conversation focuses on several trends in consumer credit including the rapid growth of gold loans, how the share of credit cards in loan portfolios is declining and the growing clout of women borrowers. Jain explains that the factors behind growing gold loans include ease of access, quicker disbursal, and the reliability of gold as collateral for both borrowers and lenders. He also discusses shifts in borrower behaviour, regional growth patterns, and credit stress levels, offering a clear, data-led view of how retail credit demand is expanding and what lenders are tracking closely. Tune in for more insights on India’s credit market.