What is the story about?
Holiday travel is being treated as a planned financial outlay rather than an occasional indulgence, with younger consumers opting for structured spending, flexible payments and pre-curated formats to manage costs and uncertainty.
One shift is the integration of credit and instalment-based payments into holiday bookings.
For example, SOTC Travel has partnered with fintech platform SaveIN to allow customers to finance holiday packages through paperless, zero-interest equated monthly instalments (EMIs). The option allows repayment over three to 24 months, with loan limits of up to ₹10 lakh, reducing the need for large upfront payments.
Industry data suggests that India’s buy-now-pay-later (BNPL) and EMI market is projected to grow at around 12% annually between 2025 and 2030, supported by wider adoption at point-of-sale and demand for short-term consumer credit for lifestyle spending. Travel, traditionally a high upfront-cost category, is emerging as a key use case for such financing.
At the same time, younger travellers are also rethinking how trips are planned to control expenses and reduce decision-making costs.
Travel-fintech platform Scapia has launched Scapia Trips, focusing on curated group travel formats aimed at Gen Z and young millennials. Group travel is increasingly preferred by this cohort for predictability, shared costs and simplified planning, particularly for international travel.
Scapia Trips offers centrally managed logistics such as accommodation and inter-city transport, while allowing travellers limited flexibility within a predefined framework. Each trip is led by a local coordinator, with the model positioned as an alternative to both fixed-itinerary tours and self-planned travel, which can involve higher uncertainty and hidden costs.
Analysts note that these developments reflect a broader personal finance trend: discretionary categories such as travel are being approached with the same cost-management lens as electronics or healthcare. Financing options, pre-bundled services and group formats help consumers spread expenses, reduce financial shocks and improve predictability.
One shift is the integration of credit and instalment-based payments into holiday bookings.
For example, SOTC Travel has partnered with fintech platform SaveIN to allow customers to finance holiday packages through paperless, zero-interest equated monthly instalments (EMIs). The option allows repayment over three to 24 months, with loan limits of up to ₹10 lakh, reducing the need for large upfront payments.
Industry data suggests that India’s buy-now-pay-later (BNPL) and EMI market is projected to grow at around 12% annually between 2025 and 2030, supported by wider adoption at point-of-sale and demand for short-term consumer credit for lifestyle spending. Travel, traditionally a high upfront-cost category, is emerging as a key use case for such financing.
At the same time, younger travellers are also rethinking how trips are planned to control expenses and reduce decision-making costs.
Travel-fintech platform Scapia has launched Scapia Trips, focusing on curated group travel formats aimed at Gen Z and young millennials. Group travel is increasingly preferred by this cohort for predictability, shared costs and simplified planning, particularly for international travel.
Scapia Trips offers centrally managed logistics such as accommodation and inter-city transport, while allowing travellers limited flexibility within a predefined framework. Each trip is led by a local coordinator, with the model positioned as an alternative to both fixed-itinerary tours and self-planned travel, which can involve higher uncertainty and hidden costs.
Analysts note that these developments reflect a broader personal finance trend: discretionary categories such as travel are being approached with the same cost-management lens as electronics or healthcare. Financing options, pre-bundled services and group formats help consumers spread expenses, reduce financial shocks and improve predictability.
