India, Sept. 26 -- For years, personal loans in India were largely associated with emergencies, financial stress or major life events. But as the country's credit ecosystem matures, that definition of borrowing is beginning to change.

A growing section of India's salaried workforce is using credit more deliberately, whether to manage a temporary cash-flow gap, pay for a planned expense or simply avoid disturbing long-term savings and investments. For these consumers, borrowing is increasingly becoming a conscious financial decision rather than a distress signal.

The digital lending platform has facilitated more than Rs.1500 crore in loans through its lending partners to date. But beyond the overall scale, some of the more telling indica...