You’ve probably used a Buy Now, Pay Later option at least once while ordering groceries, booking a cab, or buying something online that didn’t feel worth paying for immediately. For many people, BNPL has quietly slipped into everyday life. It doesn’t look like a loan. It doesn’t feel like borrowing. And it certainly doesn’t come with the heaviness of EMIs or credit cards.
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It is quick, convenient, and, in most cases, interest-free. Which is exactly why more young Indians are using it than ever before.
But behind this ease is a growing concern that experts say most users do not notice until much later: the debt often builds up silently, scattered across apps and deducted all at once from monthly salaries.
By the time the total amount becomes visible, it is usually because the month-end budget has already come under stress.
Market research firms IMARC and Mordor Intelligence estimate the BNP
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