State Of Indian Fintech Report H1 2025, Infocus: AI Rewiring India’s Lending Playbook
India’s fintech sector is racing toward a $250 Bn revenue milestone by 2030, and lending tech is leading the charge, projected to contribute over 53% of this value. From 2020 to H1 2025, digital lending startups attracted the highest share of funding (37%), making it the most dominant segment within fintech. As artificial intelligence rapidly transforms how credit is underwritten, disbursed, and recovered, this report dives deep into how AI is rewriting the rules of lending. But India’s lending boom isn’t just about tech, it’s backed by strong regulatory shifts, a maturing startup ecosystem, and surging demand from underserved SMBs and digital-first consumers. This report delves into the fintech funding trends, deal flow, top investors in India, emerging lending models, and AI use cases across the fintech sector.
