The 2025 Sa-Dhan report reveals a sharp rise in microfinance loan delinquencies across India, with 6.2% of loans overdue by more than 30 days—up from 2.1% in 2023–24. Bihar recorded the highest outstanding microfinance loans (₹57,712 crore) and the highest delinquency rate at 7.2%. Rural borrowers were most affected, with overdue rates exceeding those in urban areas, highlighting growing financial distress in rural economies and raising concerns over the sustainability of microfinance-led financial inclusion.
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