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The report covers the market dynamics, growth outlook, and competitive scenario for five retail loan products- housing loan, loan against property, car loan, two wheeler loan and gold loan -across 15 tier-2 and tier-3 cities
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- Potential for increase in retail-loan penetration
- Strong growth prospects
- Lesser competition
- Profitability on par with large cities
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- What is the current market opportunity in these 15 cities?
- At what rate will these markets grow over the next two years? What is the growth potential in these markets over the next five years?
- What is the emerging competitive scenario in these cities? What is the market share held by various player groups?
- How do these markets differ in key operating parameters such as non-performing assets, average ticket size, and loan-to-value ratio?
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- Two markets, one in south and one in north, have a car loan market size which is more than 1.5 times housing loan market
- One of the markets is very good in terms of asset quality for housing loans but ranks poorly when it comes to car and two wheeler loans.
- Penetration of car loans is lesser than 60 per cent in case of 3 of the 15 markets covered.
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Map the relative potential for each of the products across different cities |
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Understand the finance penetration and competitive landscape for each of these products across cities |
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Based on the potential, special schemes/campaigns can be worked out in respect of specific products/markets |
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Get a sense on delinquencies at city-level |
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