How is this used by the middle class in India? To fund day to day living expenses? to buy or build a house? for further investment? Do people tend to repay the

How is this used by the middle class in India? To fund day to day living expenses? to buy or build a house? for further investment? Do people tend to repay the debt now and then, or make it flow into their estate? how does succession / estate law treat that? Is this seen as prudent management? etc... I know these ways of thinking are very different between the US and western Europe (where for example a home mortgage is very cheap, and considered normal and indispensable investing, and stock investing can be crazy conservative - all the way to considered reckless, and estate law and tax is downright brutal). I wonder about India.