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Raj Malhotra @Rajmalhotrachd on x 34.2K followers
Created: 2025-07-28 02:10:41 UTC
Credit Card Overdues Crisis: UPSC Civil Services Core Facts 💳⚡ #UPSC2026 #CreditCardCrisis #BankingFinance #CivilServices #IASPrep #CurrentAffairs #EconomicPolicy #ExamPrep #ViralEducation #StudyMaterial
🔥 PRELIMINARY EXAMINATION CORE FACTS ✅ #UPSCPrelims #MCQMastery
📊 Credit Card Overdue Statistics
Surge Rate: XX% increase in overdues (March 2024 to March 2025)
Total Overdues: ₹33,886.5 crore (March 2025) vs ₹23,475.6 crore (March 2024)
Delinquency Categories: 91-180 days (2.3%), 181-360 days (0.9%), 360+ days (1.7%)
Data Source: CRIF High Mark credit information bureau
Portfolio at Risk: XXX% in 91-180 days bucket (June 2024) vs XXX% (June 2023)
💰 Financial Impact Metrics
Total Outstanding: ₹2.81 lakh crore credit card debt (March 2025)
Growth Rate: Outstanding debt rose from ₹87,686 crore (March 2019) to ₹2.70 lakh crore (June 2024)
Average Balance: ₹32,233 per card (June 2024) vs ₹28,919 (June 2023)
Interest Rates: XX% APR (3.75% monthly) on unpaid balances
Cards in Circulation: XXXXX crore (September 2024) vs XXXX crore (March 2021)
📈 Consumer Spending Trends
Spending Decline: ₹1.67 lakh crore (February 2025) vs ₹1.84 lakh crore (January 2025)
Transaction Drop: XXXX crore transactions (February) vs XX crore (January)
Average Transaction: ₹4,219 (February 2025) vs ₹4,282 (January 2025)
Spending Pattern: Post-pandemic consumption boom leading to debt accumulation
Default Rate: XXX% (June 2024) vs XXX% (March 2023)
#UPSC2026 #CreditCardCrisis #BankingFinance #CivilServices #IASPrep #ExamPrep #EconomicPolicy #CurrentAffairs #MonetaryPolicy #ConsumerProtection #StudyMaterial #ViralEducation #UPSCMains #PrelimsMCQ #EconomicAnalysis #FinancialStability #BankingRegulation #DebtCrisis #HouseholdDebt #ExamSuccess #GovernmentJobs #CompetitiveExams #FactsMatter #StudyTips #EconomicTrends
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Related Topics credit cards