Salary professionals are the backbone of India’s formal credit market. Armed with stable incomes, collateralized cash flows, and even less default risk than their self-employed peers, salary professionals are their best lending opportunity for banks and Non-Banking Financial Companies (NBFCs). By 2025, the Indian financial market will be expanding at a very high pace with a complete spectrum of differentiated credit products catering to various requirements — from short-term instant personal loans that can be used for buying a home, a car, or even newer fintech loans based on your salary.