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Lend, baby, lend: Borrowers getting younger

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Indians are accessing credit much earlier, with the average age for first-time borrowers dropping significantly across generations. This shift is driven by increased disposable income, pre-approved loans from banks, and the availability of unsecured credit products like credit cards and personal loans. The Jan Dhan-Aadhaar-Mobile trinity has also streamlined borrower tracking, contributing to this trend.

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