New Delhi, Sept. 12 -- When it comes to India's digital credit story, it is the tier 2 cities that are leading the charge, according to findings from the Digital Credit & Inclusion Index (DCII) 2026, conducted by the Pahle India Foundation and Amazon Pay.

Tier-2 cities lead digital credit and inclusion in the country, with an average score of 58.64, ahead of Tier-1 and Tier-3 cities, the report added.

DCII surveyed over 5,100 respondents across 100 cities in 20 states to examine who accesses digital credit, how easily and frequently they use it, why they borrow, whether they trust it, and whether its use contributes to stronger financial outcomes. This goes "beyond existing benchmarks that largely track payment adoption or aggregate loa...