International Women’s Day 2026: Finnable Data Highlights the Financial Strength of Women Borrowers

 In honour of International Women’s Day 2026 and this year’s global theme, “Give to Gain”, Finnable is proud to release a special edition of its Digital Lending Snapshot. The data highlights a clear trend: when women get fair access to credit, they tend to be more consistent and reliable borrowers, benefiting both lenders and the wider financial system. 

The analysis compares lending data from Calendar Year 2024 (CY2024) and Calendar Year 2025 (CY2025). It shows that while fewer women apply for loans overall, those who do apply are more likely to be approved and receive a loan. 

The theme “Give to Gain” reflects the idea that empowering women leads to stronger economic outcomes for everyone. 

Finnable’s data shows that women are currently the most loan-ready group of borrowers on the platform. 

In CY2025, women had a loan conversion rate of 7.03%, compared with 4.21% for men. Even though women made up only 18.1% of total loan applications, they 

accounted for 27.8% of all loans disbursed. This shows that supporting women borrowers can create a more stable and reliable lending portfolio. 

A key part of improving financial inclusion is supporting people who are new to credit, those taking their first formal loan. 

In CY2025, the New-to-Credit (NTC) segment had a conversion rate of 5.04%, which is close to the performance of borrowers with established credit scores in the 710–725 range. 

Many women begin their financial journey in this segment. When lenders support 

these first-time borrowers, they help create long-term, responsible credit users and contribute to narrowing India’s gender credit gap. 

The data also shows how borrowers manage their debt compared with their income, measured through the Fixed Obligation to Income Ratio (FOIR). 

In CY2025, the highest conversion rate of 17.08% came from borrowers whose existing loan commitments were between 61% and 70% of their income. 

Borrowers in this range are often actively using credit to improve their lives, whether through education, home improvements, or other major expenses. 

Women in this segment showed strong repayment discipline, reinforcing the idea behind this year’s theme: when women are supported with access to credit, the entire ecosystem benefits.

Finnable is one of India’s most-trusted instant loan apps focused on helping salaried professionals access personal loans quickly and responsibly. 

This International Women’s Day, Finnable reaffirms its commitment to fair, transparent, and accessible credit, supporting women in achieving their financial goals, from education and entrepreneurship to building an independent future.