Tripura has emerged as the frontrunner among the northeastern states in terms of Non-Banking Financial Company (NBFC) loan penetration, according to the recently released Bharat Microfinance Report 2025. This development has indicated a possible malfunctioning or inefficiency in the formal banking system of the state.

The report has shown that Tripura has recorded a 15.93 percent share of loan accounts in NBFCs the highest in the northeast. It has also posted a Loan Account Penetration Ratio of 6.28, meaning there is one NBFC loan account for every six residents.

In contrast, other northeastern states have reported lower NBFC penetration. In Assam the penetration ratio of 14.10 means one account per 14 people followed by Sikkim: 17.58, Nagaland: 108.52 means one account per 109 people.

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