#CreditScore #Delhi #FinancialLiteracy #Paisabazaar #CreditHealth #MoneyMatters #IndiaFinance
Mumbai: India’s capital city, Delhi, has emerged as the country’s most credit-healthy city, according to the latest findings from the Credit Premier League (CPL), an initiative by Paisabazaar aimed at boosting credit awareness. The report, titled “How India Checked Credit Score”, analyzed participation from over 4.7 million individuals across 710 cities, offering a comprehensive view of the nation’s credit health.
Delhi leads the rankings
Delhi registered the highest proportion of credit-healthy consumers at 46%, with an impressive average credit score of 746. These metrics placed the city firmly at the top of the rankings, outpacing all other metros and tier-2 cities included in the study.
Close on its heels, Pune secured the second spot with 44% participants maintaining healthy credit and an average score of 744. Kerala, with its high financial literacy levels, followed in third place at 43% healthy participants and an average score of 745, while Chandigarh also stood at 43% with a score of 744.
A gameified initiative for credit awareness
The CPL campaign ran for 30 days and was designed as a gamified online initiative to encourage individuals to check, monitor, and understand their credit scores. The contest not only spotlighted the cities with the strongest credit health but also shed light on India’s growing interest in credit literacy.
Speaking about the initiative, Santosh Agarwal, CEO of Paisabazaar, said:
“Consumers are increasingly engaging with their credit health. Initiatives like the Credit Premier League are helping drive awareness about the importance of maintaining good credit scores and the benefits that come with it.”
Top scorers nationwide
The CPL also celebrated individual top scorers, proving that good credit practices are achievable across geographies. Five participants — from Bangalore, Jaipur, Lucknow, Kerala, and Pune — achieved the highest recorded score of 861 out of 900. A Chennai-based participant followed closely with a score of 859, highlighting the strong presence of credit-conscious consumers in southern India.
Participation trends
While Delhi led in terms of credit health, other cities dominated participation numbers. Mumbai, Hyderabad, and Lucknow emerged as the most active cities, collectively contributing nearly 1.5 million participants to the campaign.
Demographic trends were equally telling.
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Millennials (29–44 years): Accounted for more than half of all participants, showcasing how the working-age population is actively seeking financial literacy and credit discipline.
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Women participants: Made up 8% of total participants, with nearly one-third of them hailing from southern cities such as Chennai, Hyderabad, and Bangalore. This highlights a positive trend of increasing female participation in financial decision-making, especially in metro and semi-urban regions.
Why credit health matters
Credit health, often measured through credit scores, has become a critical component of financial planning in India. Lenders assess creditworthiness before extending loans, credit cards, or mortgages. A score above 750 is generally considered excellent, offering borrowers access to lower interest rates, higher loan eligibility, and quicker approvals.
With India’s credit penetration expanding rapidly, thanks to digitization and fintech platforms, maintaining a healthy score is more important than ever. Reports such as this highlight that urban India is becoming increasingly proactive in monitoring credit health.
City-wise highlights from the CPL report
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Delhi: 46% credit-healthy population, avg. score 746 – National leader in credit health
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Pune: 44% healthy, avg. score 744 – Strong financial awareness among working professionals
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Kerala: 43% healthy, avg. score 745 – Consistent with Kerala’s reputation for high literacy and financial prudence
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Chandigarh: 43% healthy, avg. score 744 – Emerging hub of financially responsible consumers
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Top scorers: From Bangalore, Jaipur, Lucknow, Kerala, Pune, and Chennai – Scores exceeding 859 out of 900
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Most active participation: Mumbai, Hyderabad, Lucknow – Nearly 1.5 million combined participants
Growing culture of credit awareness
The CPL initiative reflects a shifting culture in Indian financial behavior. Consumers, particularly in metros and Tier-2 cities, are increasingly recognizing the importance of building a good credit profile. The gamified approach also made it easier for first-time participants to engage with financial concepts that were previously considered complex.
Experts believe that such programs will help bridge the gap between financial literacy and financial empowerment, particularly as India continues to see growth in personal credit demand.
Conclusion
Delhi’s top rank as India’s most credit-healthy city is both a recognition of its residents’ growing financial discipline and a reminder of the importance of credit literacy nationwide. With millions participating across the country, the CPL initiative has shown that Indians are now more conscious than ever about maintaining good credit scores — a trend that is expected to shape borrowing and lending practices in the years to come.
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