Consumer Lending in India - Research and Markets

In line with the higher uptake of India’s vaccination programme combined with a less severe wave of COVID-19 in early 2022, local consumers regained greater mobility outside of the home, leading to the resumption of daily activities. This scenario has boosted their confidence to spend and apply for credit in the form of card lending and other personal lending, in particular.

The Consumer Lending in India report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Consumer Credit, Mortgages/Housing.

Data coverage: Market sizes (historic and forecasts), company shares, brand shares and distribution data.

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Get a detailed picture of the Consumer Lending market
Pinpoint growth sectors and identify factors driving change
Understand the competitive environment, the market’s major players and leading brands
Use five-year forecasts to assess how the market is predicted to develop.

CONSUMER LENDING IN INDIA

EXECUTIVE SUMMARY

Consumer lending in 2022: The big picture
2022 key trends
Slowdown in gross lending for mortgages/housing as RBI hikes repo rate
Alternative finance providers continue to gain ground at the expense of mainstream lenders
What next for consumer lending?

MARKET DATA

Table 1 Consumer Lending: Outstanding Balance by Category: Value 2017-2022
Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2017-2022
Table 3 Consumer Lending: Gross Lending by Category: Value 2017-2022
Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2017-2022
Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2017-2022
Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2017-2022
Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2017-2022
Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2017-2022
Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2022-2027
Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2022-2027
Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2022-2027
Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2022-2027

DISCLAIMER

SOURCES

Summary 1 Research Sources

CONSUMER CREDIT IN INDIAKEY DATA FINDINGS

2022 DEVELOPMENTS

Resumption of daily activities benefits gross lending in 2022
Card lending attracts consumers due to discounts and offers
Government regulations limits growth of Buy Now Pay Later

PROSPECTS AND OPPORTUNITIES

Card lending provides attractive opportunity to market players
Non-banking financial companies likely to expand presence in consumer credit
Increasing interest rate could limit the growth of non-card lending

CATEGORY DATA

Table 13 Consumer Credit: Outstanding Balance by Category: Value 2017-2022
Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2017-2022
Table 15 Consumer Credit: Gross Lending by Category: Value 2017-2022
Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2017-2022
Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2022-2027
Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2022-2027
Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2022-2027
Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2022-2027