Report Description

India loan market is estimated to generate Rs 93,243 Crores in 2011 and is expected to reach Rs 2,19,806 Crores by 2016 with a CAGR of 18.7% from 2011-2016. The loans which constitutes and plays a crucial role in Indian mortgage market includes home loans, education loan, auto loan, personal loan, consumer durable loan and much hyped gold loans. According to TechSci Research, in 2010, home loan holds the largest market share of 46.1% in Indian loan market. Declining interest rates, flexibility to repay, increased dwelling of housing societies have led for its growth. However, gold loan market is growing with the highest growth rate and is expected to grow with a CAGR of 38.7% from 2011-2016.  The availability of Gold among almost every middle class Indian family has accounted for this growth. The Indian population holds world’s 11% of the total Gold that value’s around Rs. 3,21,000 Crores in 2010. In 2010, Southern India dominates the Indian loan market with a share of 35.4%, followed by Northern India. The Northern India loan market is estimated to grow at a CAGR of 21.3% from 2011-2016. “The India Loan Market Opportunities & Forecast 2016” discusses the following issues and opportunities related to the Indian Loan Market:

  • India Loan Market Size & Share
  • Housing Loan Market
  • Auto Loans Market
  • Gold Loans Market
  • Consumer Durable Loans Market
  • Education Loans Market
  • Personal Loans Market
  • Market Drivers & Challenges

“The India Loan Market Opportunities & Forecast 2016” gives a detailed and unbiased overview on the mortgage market in India. This report helps readers to identify ongoing trends in the industry and expected growth in the coming years, as a consequence of changing industry dynamics in the coming years. The report will help industry consultants, bankers and non-banking financial companies and other stakeholders to align their market-centric strategies according to ongoing and expected future trends.

Table of content

1.     Executive Summary

2.     Introduction

2.1.   Key Offerings

2.2.   Report Description

2.3.   Markets Covered

3.     Summary

4.     Indian Loan Market Overview

4.1.   Market Size

4.2.   Market Share

4.2.1. Market Share By Loan Types

4.2.2. Market Share By Region

5.     Market Overview

5.1.   Education Loan

5.1.1. Types of Education Loan

5.1.1.1.   Undergraduate Loans

5.1.1.2.   Graduate/Professional Studies Loans

5.1.1.3.   Career Education Loan

5.1.1.4.   College Parent Loans

5.1.1.5.   K12 Parent Loans

5.1.2. Market Forecast and Market Share

5.1.3. Policies and Regulations

5.1.4. Market Drivers

5.1.4.1.   Increasing Hikes In The Fees Structure

5.1.4.2.   Less Paper Work and Fast Processing

5.1.4.3.   Flexibility To Repay

5.1.5. Market Challenges

5.1.5.1.   Fluctuating Interest Rates

5.2.   Personal Loan

5.2.1. Types of Personal Loan

5.2.1.1.   Secured Personal Loans

5.2.1.2.   Unsecured Personal Loans

5.2.2. Market Forecast and Share

5.2.3. Policies and Regulations

5.2.4. Market Drivers

5.2.4.1.   Issue of Loan Without Security

5.2.4.2.   No Information To Be Disclosed

5.2.5. Market Challenges

5.2.5.1.   High Interest Rate

5.3.   Home Loan

5.3.1. Types of Home Loan

5.3.1.1.   Home Purchase Loans

5.3.1.2.   Home Improvement Loans

5.3.1.3.   Home Construction Loans

5.3.1.4.   Land Purchase Loans

5.3.1.5.   Bridge Loans

5.3.2. Market Forecast and Share

5.3.3. Policies and Regulations

5.3.4. Market Drivers

5.3.4.1.   Increased New Home Dwelling Activities

5.3.4.2.   Rebate On Income Tax

5.3.5. Market Challenges

5.3.5.1.   Rising Property Rates

5.4.   Auto Loan

5.4.1. Types of Auto Loan

5.4.1.1.   Car Loan

5.4.1.2.   Two Wheeler Loan 10

5.4.1.3.   Three Wheeler Loans

5.4.1.4.   Commercial Vehicle Loans

5.4.2. Market Forecast and Share12

5.4.3. OEM Financing

5.4.4. PSU Banks vs. Private Banks

5.4.5. Policies and Regulations

5.4.6. Market Drivers

5.4.6.1.   Entry of Foreign Players in India

5.4.6.2.   Stabilize Automobile Growth

5.4.7. Market Challenges

5.4.7.1.   Increasing Auto Loans Interest Rate

5.5.   Consumer Durable Loan

5.5.1. Market Forecast

5.5.2. Policies and Regulations

5.5.3. Market Drivers

5.5.3.1.   Attractive Financing Options

5.5.3.2.   Reducing Prices

5.6.   Gold Loan

5.6.1. Types of Gold Loan

5.6.1.1.   Organized Gold Loans

5.6.1.2.   Unorganized Gold Loan

5.6.2. Market Forecast and Share

5.6.3. Policies and Regulations

5.6.4. Market Drivers

5.6.4.1.   Availability of Gold Among Indian Families

5.6.5. Market Challenges

5.6.5.1.   High Interest Rates

5.7.   Others

5.7.1. Market Forecast

6.     Company Profiles

6.1.   State Bank of India

6.2.   ICICI Bank

6.3.   Axis Bank

6.4.   HDFC Bank

6.5.   Punjab National Bank

6.6.   Muthoot Finance

6.7.   Manappuram Finance

6.8.   Bank of Baroda

6.9.   Canara Bank

6.10.  Bank of India

Figures and Tables

List of Figures

Figure 1 Indian Loan Market (Rs Billion)

Figure 2 Indian Loan Market Share (2010), By Loan Types

Figure 3 Indian Loan Market Share (2010), By Region

Figure 4 Indian Education Loan Market (Rs Billion)

Figure 5 Average Household Income Spending On Education By, Country

Figure 6 Undergraduate Education Loan Market (Rs Billion)

Figure 7 Graduate/Professional Studies Education Loan Market (Rs Billion)

Figure 8 Career Education Loan Market (Rs Billion)

Figure 9 College Parent Education Loan Market (Rs Billion)

Figure 10 K12 Parent Education Loan Market (Rs Billion)

Figure 11 Indian Educational Loan Market Share (2010), By Banks

Figure 12 Indian Personal Loan Market (Rs Billion)

Figure 13 Secured Personal Loan Market (Rs Billion)

Figure 14 Unsecured Personal Loan Market (Rs Billion)

Figure 15 Indian Personal Loan Market Share (2010), By Banks

Figure 16 Property Purchase Intentions (% Population)

Figure 17 Indian Home Loan Market (Rs Billion)

Figure 18 Home Purchase Loan Market (Rs Billion)

Figure 19 Home Improvement Loan Market (Rs Billion)

Figure 20 Home Construction Loan Market (Rs Billion)

Figure 21 Land Purchase Loan Market (Rs Billion)

Figure 22 Bridge Loan Market (Rs Billion)

Figure 23 Indian Home Loan Market Share (2010), By Banks

Figure 24 Indian Auto Loan Market (Rs Billion)

Figure 25 Indian Car Loan Market (Rs Billion)

Figure 26 Increase In Car Spend (% Population)

Figure 27 Indian Two Wheeler Loan Market (Rs Billion)

Figure 28 Indian Three Wheeler Loan Market (Rs Billion)

Figure 29 Indian Commercial Vehicle Loan Market (Rs Billion)

Figure 30 Indian Auto Loan Market Share (2010), By Banks

Figure 31 Indian Consumer Durable Loan Market (Rs Billion)

Figure 32 Consumer Durable Loan Product Distribution

Figure 33 Indian Gold Loan Market (Rs Billion)

Figure 34 Organized Gold Loan Market (Rs Billion)

Figure 35 Unorganized Gold Loan Market (Rs Billion)

Figure 36 Indian Gold Loan Market Share (2010), By Banks

Figure 37 Other Loan Market (Rs Billion)

 

List of Tables

Table 1 Indian Loan Market, By Types (Rs Billion)

Table 2 Indian Population Facts

Table 3 Indian Education Loan Market, By Types (Rs Billion)

Table 4 Indian Education Loan Market, By Region (Rs Billion)

Table 5 Indian Personal Loan Market, By Types (Rs Billion)

Table 6 Indian Personal Loan Market, By Region (Rs Billion)

Table 6 Indian Home Loan Market, By Types (Rs Billion)

Table 7 Indian Home Loan Market, By Region (Rs Billion)

Table 8 Indian Auto Loan Market, By Types (Rs Billion)

Table 9 Indian Auto Loan Market, By Region (Rs Billion)

Table 10 Indian Consumers Durable Loan Market, By Region (Rs Billion)

Table 11 Indian Gold Loan Market, By Types (Rs Billion)

Table 12 Indian Gold Loan Market, By Region (Rs Billion)

Table 13 Other Loan Market, By Region (Rs Billion)

Table 14 SBI Interest Rates, By Loan Types

Table 15 ICICI Bank Interest Rates, By Loan Types

Table 16 Axis Bank Interest Rates, By Loan Types

Table 17 HDFC Bank Interest Rates, By Loan Types

Table 18 PNB Interest Rates, By Loan Types

Frequently asked questions

down-arrow

down-arrow

down-arrow

down-arrow

profile

Srishti Verma

Business Consultant
Press Release

India Naphtha Market to Grow with a CAGR of 3.65% through 2030

Apr, 2024

Huge demand for ethylene and propylene in petrochemical sector to produce plastics and growing automotive industry are factors driving the India Naphtha Market in the forecast period 2026-2030.