MUMBAI: Looks like Delhiites aren’t just keeping up with the Joneses, they’re paying them back on time too. According to Paisabazaar’s insights report “How India Checked Credit Score”, the capital has emerged as India’s most credit-healthy city, with 46 per cent of its consumers scoring well and an average score of 746.
Close on its heels is Pune, where 44 per cent of participants posted an average of 744, while Kerala (43 per cent at 745) and Chandigarh (43 per cent at 744) round off the top credit-conscious quartet. The findings were drawn from the Credit Premier League (CPL), a gamified contest that saw a whopping 4.7 million participants from 710 cities track and test their financial fitness over 30 days.
The competition wasn’t just about averages, it also produced some standout high scores. Five participants from Bangalore, Jaipur, Lucknow, Kerala and Pune touched 861 out of 900, the highest in the country, while a Chennai contestant followed closely with 859.
Interestingly, the most active cities weren’t the healthiest ones Mumbai, Hyderabad and Lucknow together clocked nearly 1.5 million participants. More than half of all players came from the millennial bracket (29–44 years), highlighting just how deeply younger Indians are engaging with financial health.
Women may have been fewer in number, making up just 8 per cent of participants, but they left a mark too, one-third hailed from southern cities such as Chennai, Hyderabad and Bangalore. Adding to the fun was a quirky Ghibli-style selfie feature that allowed participants to generate animated selfies showcasing their credit scores, sparking a social media wave of “score-sharing”.
“Consumers are engaging with their credit health like never before,” said Paisabazaar CEO Santosh Agarwal adding that CPL has helped make conversations around financial fitness truly mainstream.
From quirky selfies to sky-high scores, the Credit Premier League has proved one thing, when it comes to money matters, India is ready to play the long game.
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