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Country Report

Consumer Lending in

Consumer Lending in India

10 pages, Nov 2017

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!

Consumer credit registers steady growth in 2017

With the rising number of millennials who are more open to the ideas of loans, EMI (equated monthly instalments), the use of credit cards and consumer credit registered strong growth in 2017. The traditional loan types such as mortgages and education continued to the bigger contributors; however, it was auto lending that helped to drive growth in 2017.

Auto lending records the strongest growth

Growth of consumer credit in 2017 was primarily driven by auto lending. With majority of the working population in India being millennials under the age of 27 years old, and with increasing disposable incomes, automobile sales recorded strong growth, which in turn helped to drive growth of auto lending.

Education lending records the slowest growth in 2017

Education lending, in terms of both outstanding balance and gross lending, was the slowest contributor to consumer credit growth in 2017. Due to a lack of employment opportunities in the country, a major proportion of education lending repayments was not performing well.

Private banks and payment banks pose a threat to public sector banks

Private banks such as HDFC Bank, ICICI Bank and Axis Bank, amongst many others gave stiff competition to public sector banks in 2017. In every section, whether it was deposits, cards or retail loans, private banks more often than not outperformed public sector banks in terms of growth.

Lending is set to be driven by increasing use of credit cards

Unsecured loans, such as credit cards, are expected to drive lending growth over the forecast period. Millennials were already more comfortable about using credit cards, as compared to earlier generations, and this is expected to continue over the forecast period.

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Overview

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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

Consumer credit registers steady growth in 2017

Auto lending records the strongest growth

Education lending records the slowest growth in 2017

Private banks and payment banks pose a threat to public sector banks

Lending is set to be driven by increasing use of credit cards

MARKET DATA

Table 1 Consumer Lending: Outstanding Balance by Category: Value 2012-2017
Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2012-2017
Table 3 Consumer Lending: Gross Lending by Category: Value 2012-2017
Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2012-2017
Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2012-2017
Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2012-2017
Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2012-2017
Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2012-2017
Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2017-2022
Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2017-2022
Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2017-2022
Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2017-2022

SOURCES

Summary 1 Research Sources

Consumer Credit in India - Category analysis

HEADLINES

PROSPECTS

Growing disposable incomes support growth

Indians increasingly keen on credit

House ownership continues to be popular

COMPETITIVE LANDSCAPE

Private sector banks give tough competition to public sector banks

Public sector banks viewed as more reliable

New guidelines shift the focus

CATEGORY DATA

Table 13 Consumer Credit: Outstanding Balance by Category: Value 2012-2017
Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2012-2017
Table 15 Consumer Credit: Gross Lending by Category: Value 2012-2017
Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2012-2017
Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2017-2022
Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2017-2022
Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2017-2022
Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2017-2022

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Megatrends

Country Report

Consumer Lending in India

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Executive Summary

New Report Guarantee

Consumer credit registers steady growth in 2017

Auto lending records the strongest growth

Education lending records the slowest growth in 2017

Private banks and payment banks pose a threat to public sector banks

Lending is set to be driven by increasing use of credit cards

Overview

Why buy this report?

Samples (FAQs about samples):

Want to find out more about this report?

Table of Contents

Consumer Lending in India - Industry Overview

EXECUTIVE SUMMARY

Consumer credit registers steady growth in 2017

Auto lending records the strongest growth

Education lending records the slowest growth in 2017

Private banks and payment banks pose a threat to public sector banks

Lending is set to be driven by increasing use of credit cards

MARKET DATA

SOURCES

Consumer Credit in India - Category analysis

HEADLINES

PROSPECTS

Growing disposable incomes support growth

Indians increasingly keen on credit

House ownership continues to be popular

COMPETITIVE LANDSCAPE

Private sector banks give tough competition to public sector banks

Public sector banks viewed as more reliable

New guidelines shift the focus

CATEGORY DATA

Why buy this report?

Want to find out more about this report?

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