On August 20, 2025, we came together at the Bharat Credit Summit 2025 to chart the future of #credit in #India, a future where access to capital becomes a true enabler of inclusive growth.
India’s financial system has made remarkable progress on financial inclusion front.
According to the latest Global Findex Report of the The World Bank, India has achieved bank account ownership from 35% in 2011 to nearly 90% now; digital payments have grown nearly fivefold in just four years, and #NBFCs alone account for more than one-fifth of systemic credit.
Yet, the reality is stark — over 230 million Indians remain outside the formal financial system, and our credit-to-GDP ratio at 93% lags far behind global benchmarks. This is not just a gap — it is one of the greatest opportunities of our time.
At the Summit, we focused on the two forces that can turn this opportunity into reality: Securitisation and Alternative Investment Funds (AIFs).
#Securitisation has moved from the margins to the mainstream, crossing ₹2.4 trillion in annual volumes in FY25. It is enabling liquidity, risk transfer, and wider credit access.
The next leap will come from diversifying investors, from global pools to long-term capital such as pensions and insurance, making the market deeper and more resilient.
#AIFs, meanwhile, are redefining what it means to be “alternative.” From ₹1 trillion a decade ago to over ₹13.5 trillion today, they are channeling capital into sectors that shape India’s future — healthcare, renewables, real estate, and technology. AIFs are no longer peripheral players, but core engines of growth.
The message was clear: if securitisation builds flow and AIFs build depth, together they can bridge much of India’s credit gap and anchor the next phase of our economic journey.
At Northern Arc Capital, we are determined to lead this transformation, building pathways for capital, driving innovation in credit, and powering a more inclusive and resilient India.
#BharatCreditSummit2025 #NorthernArc #FinancialInclusion #Securitisation #AIFs #InclusiveGrowth #CapitalMarkets
