消費者在年齡很小的時候開始他們的信用旅程

該分析基於消費者的數據，這些消費者多年來檢查了Paisabazaar的信用評分以及消費者的調查。

Consumers are starting their credit journeys at a significantly younger age with each passing generation, according to an internal analysis by Paisabazaar.

根據Paisabazaar的內部分析，消費者的信貸旅程正在顯著年輕，每一代人都開始使用。

The analysis was based on the data of consumers who have checked their credit score from Paisabazaar over the years, along with a consumer survey.

該分析基於消費者的數據，這些消費者多年來檢查了Paisabazaar的信用評分以及消費者的調查。

While consumers born in the 1970s typically availed their first credit product in their late 30s or early 40s, those born in the 1990s began their credit journey in their mid-20s - an over 15-year drop in credit adoption age, clearly indicating easing of access and shift in consumer mindset in availing credit.

雖然1970年代出生的消費者通常在30年代末或40年代初在他們的第一個信用產品中使用了他們的第一批信用產品，但1990年代出生的人在20年代中期開始了他們的信用旅程 - 信用收養年齡下降了15年，清楚地表明，消費者的訪問權利和可用信貸的轉移。

The analysis highlights a generational shift not just in the age, but also in the types of products availed to begin the credit journey. While older generations took secured loans like home or auto loans as their first credit product, those born in the 1990s - entered the credit ecosystem typically via unsecured products like credit cards, personal loans, along with consumer durable loans, often by age 25-28.

該分析不僅在年齡段，而且在開始信貸旅程的產品類型中都有一代轉變。雖然年長的一代將諸如家庭或汽車貸款之類的有擔保貸款作為其第一批信用產品，但出生於1990年代的信用產品 - 通常通過信用卡，個人貸款以及消費者耐用貸款（通常是25-28歲）進入信用生態系統。

Home loans, traditionally accessed later in life, are also being availed earlier, with the average age falling from 41 (for 70s-born) to 28 (for 90s-born). Similarly, the average age for business loans has dropped from 42 to 27, reflecting India's growing entrepreneurial spirit and better access to MSME lending products.

傳統上較晚的房屋貸款也較早地使用，平均年齡從41歲（70年代出生）下降到28（90年代出生）。同樣，商業貸款的平均年齡從42下降到27個，反映了印度日益增長的企業家精神，並更好地獲得了MSME貸款產品。

The findings also show that consumers born post-2000 are continuing this trend, with early signs of even earlier credit adoption - often starting around the age of 22, primarily via small-ticket loans and Buy Now Pay Later (BNPL) products.

調查結果還表明，2000年後出生的消費者正在繼續這一趨勢，早期的跡象表明了較早的信用額度 - 通常從22歲開始左右，主要是通過小型票貸款，現在以後購買付款（BNPL）產品。

Radhika Binani, Chief Product Officer - Paisabazaar, said, "Today's young consumers are more aware, aspirational, and digitally savvy. They are not only accessing credit earlier but also using it more confidently and diversely - whether to meet life goals or lifestyle and aspirational needs. Our analysis also indicates the evolution of the ecosystem, easing access over time. At Paisabazaar, we remain committed to empowering consumers with the right tools and guidance to build healthy credit behaviours from the start.

Paisabazaar首席產品官Radhika Binani說：“當今的年輕消費者更加意識，有抱負和數字化精明。他們不僅較早地獲得信貸，而且更自信地和多樣地使用它，是滿足人壽目標還是滿足生活方式和有抱負的需求。我們的分析還表明了依靠時間的訪問權限，以使paisaza的進化能夠訪問。從一開始就建立健康的信貸行為的工具和指導。