New Delhi, Aug. 25 -- India's middle-class consumers are showing a more mixed preference between online and offline transactions in 2026, with some everyday payments and purchases moving noticeably back towards physical channels.

The findings from The Great Indian Wallet 4.0 2026 study by Home Credit India suggest that digital adoption is not moving in one direction across all categories.

The biggest reversal is visible in bill payments, while food, travel bookings, and some other everyday transactions have also seen stronger offline preferences. At the same time, online channels continue to hold ground in retail payments and loan-taking.

Individuals surveyed were aged 18 to 55 years, with an average monthly income of Rs.35,000.

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