Digital Credit and Inclusion Index: Borrowers from Tier II cities are driving India’s digital credit story, finds report

When it comes to India’s digital credit story, it is the tier 2 cities that are leading the charge, according to findings from the Digital Credit & Inclusion Index (DCII) 2026, conducted by the Pahlé India Foundation and Amazon Pay.

Tier-2 cities lead digital credit and inclusion in the country, with an average score of 58.64, ahead of Tier-1 and Tier-3 cities, the report added.