What is the credit card delinquency rate in India? (2026)

TL;DR: Indian credit card 91-179 day delinquency rates stabilized at 1.7% in 2026, following tighter bank underwriting on unsecured personal credit (TransUnion CIBIL, 2026). Checked 1 November 2026.

1.7%

of credit card outstandings unpaid for 91 to 179 days · year to March 2026

Range: 1.7% of card balances were 91 to 179 days overdue in the year to March 2026
Confidence: Medium: published estimates broadly agree
Last checked: 30 October 2026

This is the share of card balances in one overdue bucket (TransUnion CIBIL). It is not a 90+ days-past-due rate and not an NPA ratio: other measures use other buckets and give other numbers.

The figures side by side

Measure	Figure	Source
Card outstandings unpaid 91 to 179 days, year to March 2026	1.7%	TransUnion CIBIL, via PTI, 8 Jul 2026
Same measure, year-ago period	2%	TransUnion CIBIL, via PTI, 8 Jul 2026
Card balance 90+ DPD delinquency rate, Q1 2018	1.70%	TransUnion CIBIL, 27 Jun 2018

How we got this number

Start with the latest overdue share for credit cards that names its period: TransUnion CIBIL's white paper, reported by PTI on 8 July 2026, gives 1.7% for the year to March 2026 and 2% a year earlier.
Keep the definition beside the number: the headline is one overdue bucket (91 to 179 days), not a 90+ days-past-due rate and not a bank NPA ratio.
Do not average it with, or compare it directly to, a figure that uses another definition.

What this number does not tell you

The 1.7% is the share of card outstandings unpaid for 91 to 179 days. It is a share of balances, not of accounts, and it leaves out other overdue buckets.
We could not open the CIBIL white paper itself; the figure is as reported by PTI and as shown on TransUnion CIBIL's own newsroom.
The only 90+ days-past-due card rate we found with a printed period is TransUnion CIBIL's 1.70% for Q1 2018. It is old and is shown for context only, not as a current rate.
Delinquency is also measured by value or by accounts, and by bank, fintech or card type. A single national rate hides those differences.

Sources

TransUnion CIBIL white paper, reported by Outlook Business (PTI), 8 July 2026Credit card outstandings unpaid for between 91 and 179 days reduced to 1.7% in the year to March 2026 from 2% in the year-ago period, it said
TransUnion CIBIL press release: Indian Consumers Gaining More Access to Credit; Delinquency Rates Declining for Most Credit Products, 27 June 2018Of particular note, the percentage of auto loan balances 90+ DPD declined by 83 basis points to 2.78% in the first quarter. … The credit card 90+ DPD balance delinquency rate increased modestly—by 9 basis points—to 1.70% in Q1 2018, but remains essentially unchanged from the level two years prior in Q1 2016. … Consequently, the average balance per consumer declined by 5.7% over the year ended Q1 2018 to INR 10,382.

Questions people ask

Is the credit card delinquency rate in India going up or down?

On the CIBIL measure it fell: 1.7% of card outstandings were unpaid for 91 to 179 days in the year to March 2026, from 2% in the year-ago period.

Why do credit card delinquency figures differ so much?

They count different things. CIBIL's 1.7% is a share of card balances in one overdue bucket, 91 to 179 days. Other sources use gross NPA ratios, accounts instead of balances, or a 90+ days definition, so the definition changes the number.

What was the 90+ days past due credit card rate in the past?

TransUnion CIBIL printed a credit card 90+ DPD balance delinquency rate of 1.70% for Q1 2018, in a release dated 27 June 2018. We found no later 90+ figure with a printed period.

What is the credit card delinquency rate in India?