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Country Report

Consumer Lending in

Consumer Lending in India

9 pages, Oct 2018

US$2,100

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Executive Summary

New Report Guarantee

If you purchase a report that is updated in the next 60 days, we will send you the new edition and data extract FREE!

Economic growth and demographic trends drive consumer lending

Consumer lending has grown at a healthy pace in India; and this trend is expected to continue in the forecast period. The country’s growing economy, rising disposable incomes and changing lifestyles have resulted in higher disbursals of auto and durables loans.

Alternative finance providers increase their share of consumer loans

Alternative finance providers, such as non-banking finance companies (NBFCs), have been playing an increasingly important role in providing consumer loans. These financial institutions are more popular for loan disbursals in regions that are not serviced adequately by banks.

New government policies in 2015 boost mortgages/housing

Mortgages/housing registered strong current value growth in the review period, supported by the increasing demand from the urban middle classes to own homes as well as favourable government policies. For instance, the government’s Pradhan Mantri Awas Yojna (PMAY) low-cost housing policy, rolled-out in 2015, was formulated to facilitate universal home ownership.

Indian consumers demonstrate sound loan repayment record

Low non-performing loans (NPAs) across consumer lending categories demonstrate that Indian consumers are debt-averse and exhibit good loan repayment records. For instance, the share of credit card and non-card non-performing loans (NPAs) remained low in 2018.

Aspirational consumer class fuels consumer lending

The key trends in consumer lending are expected to continue in the forecast period. Consumer credit outstanding balance is expected see strong value growth at constant 2018 prices over the forecast period.

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Overview

Why buy this report?

Gain competitive intelligence about market leaders. Track key industry trends, opportunities and threats. Inform your marketing, brand, strategy and market development, sales and supply functions.

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Overview

Discover the latest market trends and uncover sources of future market growth for the Consumer Lending industry in India with research from Euromonitor's team of in-country analysts.

Find hidden opportunities in the most current research data available, understand competitive threats with our detailed market analysis, and plan your corporate strategy with our expert qualitative analysis and growth projections.

If you're in the Consumer Lending industry in India, our research will save you time and money while empowering you to make informed, profitable decisions.

The Consumer Lending in India market research report includes:

Analysis of key supply-side and demand trends
Historic volumes and values
Five year forecasts of market trends and market growth
Robust and transparent market research methodology, conducted in-country

Our market research reports answer questions such as:

What is the market size of Consumer Lending in India?
What are the major trends set to impact the market in India?
What capacity for consumer debt still exists in the market?
What’s the state of credit quality in the market?
Has the economic downturn reset the lender competitive landscape?

Why buy this report?

Gain competitive intelligence about market leaders
Track key industry trends, opportunities and threats
Inform your marketing, brand, strategy and market development, sales and supply functions

Euromonitor’s industry reports, including Consumer Lending in India, originate from our database within our Consumer Finance market share and market size database, Passport, a platform which analyses Consumer Finance in 46 countries and globally.

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Consumer Lending in India - Industry Overview

EXECUTIVE SUMMARY

Economic growth and demographic trends drive consumer lending

Alternative finance providers increase their share of consumer loans

New government policies in 2015 boost mortgages/housing

Indian consumers demonstrate sound loan repayment record

Aspirational consumer class fuels consumer lending

MARKET DATA

Table 1 Consumer Lending: Outstanding Balance by Category: Value 2013-2018
Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2013-2018
Table 3 Consumer Lending: Gross Lending by Category: Value 2013-2018
Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2013-2018
Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2013-2018
Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2013-2018
Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2013-2018
Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2013-2018
Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2018-2023
Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2018-2023
Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2018-2023
Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2018-2023

SOURCES

Summary 1 Research Sources

Consumer Credit in India - Category analysis

HEADLINES

PROSPECTS

Higher cost of education increases loan disbursals

Aspirations of small town consumers to fuel growth in auto lending

Better electricity supply and financing schemes boost durables lending

COMPETITIVE LANDSCAPE

Banks are the leading credit providers

Alternative finance providers facilitate easier credit access

Online lenders grow in popularity

CATEGORY DATA

Table 13 Consumer Credit: Outstanding Balance by Category: Value 2013-2018
Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2013-2018
Table 15 Consumer Credit: Gross Lending by Category: Value 2013-2018
Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2013-2018
Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2018-2023
Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2018-2023
Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2018-2023
Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2018-2023

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Megatrends

Country Report

Consumer Lending in India

New Report Guarantee

Executive Summary

New Report Guarantee

Economic growth and demographic trends drive consumer lending

Alternative finance providers increase their share of consumer loans

New government policies in 2015 boost mortgages/housing

Indian consumers demonstrate sound loan repayment record

Aspirational consumer class fuels consumer lending

Overview

Why buy this report?

Samples (FAQs about samples):

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Table of Contents

Consumer Lending in India - Industry Overview

EXECUTIVE SUMMARY

Economic growth and demographic trends drive consumer lending

Alternative finance providers increase their share of consumer loans

New government policies in 2015 boost mortgages/housing

Indian consumers demonstrate sound loan repayment record

Aspirational consumer class fuels consumer lending

MARKET DATA

SOURCES

Consumer Credit in India - Category analysis

HEADLINES

PROSPECTS

Higher cost of education increases loan disbursals

Aspirations of small town consumers to fuel growth in auto lending

Better electricity supply and financing schemes boost durables lending

COMPETITIVE LANDSCAPE

Banks are the leading credit providers

Alternative finance providers facilitate easier credit access

Online lenders grow in popularity

CATEGORY DATA

Why buy this report?

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