National, 27 November 2025 || Rupee112, a fast-growing digital lending platform for salaried individuals, projects a sharp rise in short-term credit demand in the first quarter of 2026, driven by sustained festive spending, rising urban aspirations, and the growing preference for instant app-based borrowing. The company expects borrowing patterns seen during the recent festive season to continue influencing early-year financial decisions across major cities.
According to internal insights from Rupee112, a significant number of salaried consumers used credit to manage holiday purchases, travel plans, and lifestyle upgrades during late 2025. This has created a spillover where individuals are now seeking quick credit to manage month-end liquidity, academics, cover essential bills, medical emergencies and maintain financial stability as the new year begins. Rupee112 notes that this trend is particularly strong among young working professionals across metro and emerging urban centres, based on behavioural data observed through the platform.
The platform has recorded increased engagement from first-time borrowers who prefer transparent eligibility checks, fast disbursal, and simplified documentation. Rupee112 states that users today want speed, clarity, and assurance rather than long bank queues or traditional approval cycles. This shift is expected to become even more prominent in early 2026 as digital credit becomes a mainstream financial tool.
Commenting on the trend, Mr. Vikkas Goyal, Founder, Rupee112, said, “The recent festive wave has influenced how consumers are planning their expenses for the next quarter. People want easy access to funds to manage both planned and unplanned needs. The early 2026 lending cycle will see strong demand for smaller-ticket personal loans due to sustained lifestyle spending and month-end cash flow gaps. Rupee112 is prepared to support this shift with a smooth three-step process that prioritises customer convenience.”
Rupee112 also anticipates a rise in repeat borrowing as users become more comfortable with structured credit and timely repayments. With salaried professionals increasingly relying on short-term financial support during transition periods, the company predicts that early 2026 will mark one of the strongest quarters for digital lending adoption.
Rupee112 continues to focus on responsible lending and user-friendly financial solutions that offer quick access to credit without added stress. As India enters 2026 with high consumer confidence and a growing appetite for instant financial tools, the platform expects sustained growth in digital borrowing behaviour rooted in festive season momentum.
About Rupee112
Rupee112 is a technology-driven fintech platform offering innovative lending solutions that enable consumers to make responsible borrowing decisions. By leveraging data, digital tools, and customer-centric design, Rupee112 strives to empower users across India with accessible, transparent, and tailored credit solutions