PROSPECTS AND OPPORTUNITIES
Second-tier cities to drive next wave of credit card and consumer durable lending
With metro markets maturing and card penetration plateauing, the focus for credit card and durables lending is expected to shift to Tier 2 and Tier 3 cities in the coming years. Government-backed financial literacy campaigns and the widening digital payments ecosystem are bringing first-time credit users from these regions into the fold.
Co-lending and embedded finance models to power future growth
To navigate rising capital costs and compliance burdens, lenders are expected to lean heavily into co-lending arrangements and embedded finance partnerships. These models allow for shared risk, better capital efficiency, and stronger consumer insights.
Auto lending to witness renewed growth supported by policy and infrastructure
The consumer shift towards electric vehicles (EVs), supported by state-level subsidies, improved charging infrastructure, and falling ownership costs, is set to stimulate growth in auto lending—particularly in the two-wheeler and small EV car segments.
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Overview:
Understand the latest market trends and future growth opportunities for the Consumer Credit industry in India with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.
Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.
If you're in the Consumer Credit industry in India, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.
The Consumer Credit in India report includes:
- Analysis of key supply-side and demand trends
- Detailed segmentation of international and local products
- Historic volume and value sizes, company and brand market shares
- Five year forecasts of market trends and market growth
- Robust and transparent research methodology, conducted in-country
This report answers:
- What is the market size of Consumer Credit in India?
- What are the major trends key to understanding Consumer Credit in India?
- How has COVID-19, recession and macroeconomic volatility impacted the market?
- How long will the market take to recover? What are the opportunities now?
- How will political context and shifting cultural values shape future growth?
- Where is future growth expected to be most dynamic?
Consumer Credit in India - Category analysis
KEY DATA FINDINGS
Credit card lending remains dominant despite disbursal slowdown
Secured lending surges as lenders rebalance portfolios amid RBI tightening
FinTech’s recalibrate lending models amidst regulatory and funding challenges
Second-tier cities to drive next wave of credit card and consumer durable lending
Co-lending and embedded finance models to power future growth
Auto lending to witness renewed growth supported by policy and infrastructure
Consumer Lending in India - Industry Overview
Consumer lending in 2024: The big picture
2024 key trends
Card lending remains resilient amid increasing credit adoption
Alternative lending strengthens foothold through innovation and partnerships
RBI’s proactive supervision redefines digital lending dynamics, while BNPL sees tighter regulations
What next for consumer lending?
DISCLAIMER
The following categories and subcategories are included:
Consumer Credit
- Auto Lending
- Card Lending
- Durables Lending
- Education Lending
- Home Lending
- Other Personal Lending
Consumer Credit
Non-mortgage consumer debt extended to individuals for personal or household use including installment loans and credit cards. Examples of consumer credit include auto lending, card lending, durables lending, education lending, home lending and other personal loans. Consumer credit includes both revolving and non-revolving credit.
See all of our definitionsWhy 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
This report originates from Passport, our Consumer Credit research and analysis database.
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