消费者在年龄很小的时候开始他们的信用旅程

该分析基于消费者的数据，这些消费者多年来检查了Paisabazaar的信用评分以及消费者的调查。

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

根据Paisabazaar的内部分析，消费者的信贷旅程正在显着年轻，每一代人都开始使用。

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.

该分析基于消费者的数据，这些消费者多年来检查了Paisabazaar的信用评分以及消费者的调查。

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.

虽然1970年代出生的消费者通常在30年代末或40年代初在他们的第一个信用产品中使用了他们的第一批信用产品，但1990年代出生的人在20年代中期开始了他们的信用旅程 - 信用收养年龄下降了15年，清楚地表明，消费者的访问权利和可用信贷的转移。

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.

该分析不仅在年龄段，而且在开始信贷旅程的产品类型中都有一代转变。虽然年长的一代将诸如家庭或汽车贷款之类的有担保贷款作为其第一批信用产品，但出生于1990年代的信用产品 - 通常通过信用卡，个人贷款以及消费者耐用贷款（通常是25-28岁）进入信用生态系统。

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.

传统上较晚的房屋贷款也较早地使用，平均年龄从41岁（70年代出生）下降到28（90年代出生）。同样，商业贷款的平均年龄从42下降到27个，反映了印度日益增长的企业家精神，并更好地获得了MSME贷款产品。

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.

调查结果还表明，2000年后出生的消费者正在继续这一趋势，早期的迹象表明了较早的信用额度 - 通常从22岁开始左右，主要是通过小型票贷款，现在以后购买付款（BNPL）产品。

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首席产品官Radhika Binani说：“当今的年轻消费者更加意识，有抱负和数字化精明。他们不仅较早地获得信贷，而且更自信地和多样地使用它，是满足人寿目标还是满足生活方式和有抱负的需求。我们的分析还表明了依靠时间的访问权限，以使paisaza的进化能够访问。从一开始就建立健康的信贷行为的工具和指导。