印度 P2P借貸市場評估:依貸款模式,信貸類型,信貸期限,貸方類型,還款,最終用戶/借款人類型和地區劃分的機會和預測（2018-2032 年）

印度 P2P（點對點）借貸市場規模預計將從 2024 年的 27.8 億美元成長到 2032 年的 85.1 億美元，預測期內複合年增長率為 15.01%。

P2P借貸在印度並不是一個新概念，但網路和數位化的廣泛普及改變了市場動態，使P2P借貸在過去十年中成為一種創新且便利的融資手段。P2P借貸因其便利、靈活、貸款控制力更強、投資回報穩定等優勢在印度市場受到歡迎。

由於印度經濟的成長、城市化、可支配收入的增加、消費者支出的增加和數位化，印度的 P2P 借貸市場正在以驚人的速度成長。這些年來，印度金融業發生了巨大的變化，從填寫貸款申請、等待貸款審批的日子，到只需點擊幾下即可為個人和企業獲取消費貸款，再到現在的貸款資金存入的場景。當下，消費金融發生了重大變革，P2P借貸市場走在了前面。政府法規和合規要求也有助於建立消費者對 P2P 借貸市場的信任。所有這些因素共同促進了市場的發展，為許多現有企業的成長和新參與者的進入創造了機會。

技術採用與數位轉型：

印度的 P2P 借貸市場發展迅速，徹底改變了金融業。印度金融服務的快速數位化成為推動 P2P 借貸成長和發展的關鍵驅動力。隨著智慧型手機的普及和銷售以及互聯網在全國範圍內的普及，越來越多的人開始意識到透過數位方式進行的 P2P 借貸。借款人和貸款人可以透過線上平台便捷地借貸，消除地理限制。數位轉型有利於印度的 P2P 借貸市場，各公司推出網站和行動應用程序，允許用戶透過智慧型手機存取借貸服務，促進金融包容性和行動交易。

本報告調查了印度 P2P（點對點）借貸市場，提供了市場的定義和概述、市場規模的趨勢和預測、各個細分市場和地區的詳細分析、行業結構以及影響市場成長的因素。案例研究、競爭格局、領導公司簡介等。

目錄

第一章研究方法論

第二章 專案範圍與定義

第三章 COVID-19 對印度 P2P（P2P）借貸市場的影響

第 4 章執行摘要

第五章 客戶評價

• 人口統計
• 市場意識和產品訊息
• 品牌知名度和忠誠度
• 融資決策時考慮的因素
• 購買目的
• 購買頻率
• 購買媒介
• 品牌大使和影響者行銷在促進產品/品牌滲透方面的作用

第六章 印度P2P（P2P）借貸市場展望

• 市場規模/預測
• 依借貸模式
  • 直接地
  • 市場
• 依信用類型
  • 商業貸款
  • 個人貸款
  • 其他
• 依信用期間
  • 短期（最多 12 個月）
  • 長期（12個月以上）
• 依貸款人類型
  • 個人
  • 企業
  • HUF
  • 個人團體
  • 機構投資者
  • 其他
• 依還款方式
  • 大部分
  • 每月還款
• 依最終用戶/借款人類型
  • 自然人
  • 商業實體
  • 其他
• 依地區
  • 北方
  • 南部
  • 東
  • 西部/中部地區
• 市佔率：依公司劃分，2024 年

第 7 章 市場測繪，2024 年

• 依借貸模式
• 依信用類型
• 依信用期間
• 依貸款人類型
• 依還款方式
• 依最終用戶/借款人
• 依地區

第八章 宏觀環境與產業結構

• 供需分析
• 監理框架和合規性
• PESTEL 分析
• 波特五力分析

第九章市場動態

• 生長促進因子
• 生長抑制因素（問題/限制）

第十章 主要公司情況

• 前 5 名市場領導者的競爭矩陣
• 前 5 名市場領導者的市場收入分析
• 併購/合資（如適用）
• SWOT分析（5家參與企業）
• 專利分析（如果適用）

第11章價格分析

• 私人貸款機構定價
• 利率分析（依借款人/貸款人）

第十二章案例研究

第十三章 主要公司展望

• Fairassets Technologies Private Limited ('Faircent')
• Trickle Flood Technologies Private Limited
• Bridge Fintech Solutions Private Limited ("finzy")
• Transactree Technologies Private Limited (Lendbox)
• NDX P2P PRIVATE LIMITED ("LiquiLoans")
• FINTELLIGENCE DATA SCIENCE PRIVATE LIMITED ("RupeeCircle")
• M/s Dipamkara Web Ventures Private Limited (i-lend)
• Monexo Fintech Private Limited
• RNVP Technology Private Limited (i2i)
• Resilient Innovations Private Limited (12% Club)

第十四章 戰略建議

第十五章關於我們公司/免責聲明

India peer-to-peer lending market is projected to witness a CAGR of 15.01% during the forecast period FY2025-FY2032, growing from USD 2.78 billion in FY2024 to USD 8.51 billion in FY2032. Peer-to-peer lending is not a novel concept in India. However, with wide access to the internet and digitalization, market dynamics have changed, and over the past decade, peer-to-peer lending has turned into an innovative and convenient means of financing. One of the key features and concept of peer-to-peer lending is elimination of a financial institution as an intermediary in the deal between a lender and a borrower. In the Indian market, peer-to-peer lending is becoming popular among Indian demographics due to the various benefits such as ease of access, flexibility, more control over lending, and constant returns on investment.

India peer-to-peer lending market is growing at an impressive growth rate owing to the growing Indian economy, urbanization, rising disposable income, rise in consumer spending, and digitalization. Indian financing industry is drastically changing over the years, from filling out loan applications and waiting for loan approval for days to current scenarios when obtaining a consumer loan, be it personal or business, takes a few clicks and the loan money is immediately or at most deposited into the borrower's account within a day, consumer financing has experienced a tremendous transformation and peer-to-peer lending market stands at the forefront of the transition. The adoption of technology by consumers has helped the market to expand consistently by allowing the market players to reach out to their key stakeholders without making any physical presence. Regulatory and compliance requirements by the government have aided in building consumer trust in the P2P lending market. With all the factors coming together, the market is poised to grow and create opportunities for many existing players to grow and new ones to enter the market.

Adoption of Technology and Digital Transformation

India peer-to-peer lending market has grown significantly and seen a complete transformation in finance industry. The rapid digitalization of financial services in India stands out as a pivotal driver propelling the growth and evolution of P2P lending. Higher usage and sales of smartphones and internet availability across the country have helped create awareness of P2P lending through digital means to a wider audience. Borrowers and lenders can engage in lending and borrowing activities conveniently through online platforms, eliminating geographical constraints. Digital transformation is a boon for India peer-to-peer lending market as players have launched their websites and mobiles applications to enable users to access lending and borrowing services from their smartphones, promoting financial inclusion and on-the-go transactions.

For instance, e-KYC is a major benefit to the market players because of the adoption of technology and digitalization. Through a computer or a mobile device, getting a KYC (know your customer) has never been easier and simpler for businesses and companies by saving time, money, and resources.

Lendbox, India's top peer-to-peer lending platform has disrupted the traditional lending market. Lendbox has made significant investments in developing a more personalized customer experience. Their emphasis on sales and technology has benefited the company's growth, as Lendbox has Assets Under Management (AUM) of over 2,600 crores as of January 2024.

Young Demographics and Rapid Urbanization

Indian economy is witnessing rapid urbanization with more villages turning into towns or cities, people are moving towards urban areas in search of better living conditions and work opportunities. Indian population consists largely of young individuals, with a median age below 30 years, who are tech-savvy and more inclined toward digital financial solutions. Moreover, the financial literacy rate is higher in urban areas due to which urban people have the knowledge to avail and utilize the peer-to-peer finance platforms in a better way. These P2P lending platforms leverage demographic trends, offering user-friendly interfaces, and mobile accessibility to cater to the preferences of younger generation.

In younger demographic, peer-to-peer lending is considered an investment option to gain a regular income through higher interest rates on their saving. The large and youthful population of India is more inclined to borrow money for various needs, such as education, housing and personal expenses, and people leveraging P2P lending platforms to the fullest as they are quick and convenient. However, millennials are the largest stakeholders in India peer-to-peer lending market as borrowers.

In collaboration with Lend Box, an RBI-registered P2P licensed NBFC in India, in December 2022, EaseMyDeal introduced Profit++, a peer-to-peer lending product that promises to yield returns of flat 10% annually. By launching Proft++ as a New Online Product on their App, EaseMyDeal has made the investing process incredibly simple, transparent, and quick. Proft++ offers lenders with choice, flexibility, and convenience while investing.

Technological Advancements in India Peer-to-Peer Lending Market

Like other markets and industries, where technology plays an important role in its operations and growth, India peer-to-peer lending market is not so far to adopt various technologies that aid in the market growth. Digitalization is one of the components that is continuously helping the market with adoption of advanced technologies such as artificial intelligence (AI), machine learning, and blockchain. These technologies give an added advantage to P2P platforms over the other financial markets.

Blockchain, the underlying technology that powers cryptocurrencies such as Bitcoin, provides a decentralized and secure platform for conducting and documenting financial transactions. P2P lending services can use blockchain to increase transparency, decrease fraud, and improve the lending process.

AI-powered algorithms can analyze massive volumes of financial and non-financial data to evaluate a customer's creditworthiness properly and objectively. AI algorithms can evaluate an applicant's creditworthiness by analyzing their financial history, credit scores, income statements, and social media activity. These algorithms use machine learning approaches to continuously learn and enhance their credit evaluation models based on data trends and past performance.

By adopting these technologies, P2P lending platforms can make a more automated process where a lender can find the right match with a borrower and the borrower can find the best lender as per their requirement.

Future Market Scenario (2025-2032F)

India peer-to-peer lending market is poised to grow at an impressive growth rate in the forecast period owing to growing market awareness and convenience provided by the market players.

The market is regulated by the Indian government due to consumer interest and it is expected that the Indian government and the Central Bank (RBI) will bring more rules and guidelines in the future for the market.

In coming years, Generation Z will become an important customer for the market as an expansion to the consumer base of Millennials who currently make the largest customer segment of India P2P lending market.

Key Players Landscape and Outlook

India peer-to-peer lending market is an evolving and dynamic market comprising diverse players including non-banking financial companies (NBFCs) and fintech startups offering consumer finance services in the realm of peer-to-peer lending. The outlook is positive as the market is untapped with limited market players creating new opportunities in the market and innovations on their platforms and strategies. India peer-to-peer lending market is positive for years to come, owing to the growing urban population, increasing financial education, digitalization, young population, changing behavior towards borrowing and lastly economic growth. Technology will play an important role for the market players to gain a competitive edge and create a USP.

In May 2022, Fi Money, a neobank, expanded its offering by launching an investing platform to attract regular investors. For it, the firm's savings arm shortly launched a peer-to-peer lending platform.

Table of Contents

1.Research Methodology

2.Project Scope & Definitions

3.Impact of COVID-19 on India Peer-to-Peer Lending Market

4.Executive Summary

5.Voice of Customer

• 5.1.Demographics (Gender; Income - Low, Mid and High; Geography; Nationality; etc.)
• 5.2.Market Awareness and Product Information
• 5.3.Brand Awareness and Loyalty
• 5.4.Factors Considered in Lending Decision
  • 5.4.1.Institution Name
  • 5.4.2.Interest Rate
  • 5.4.3.Returns
  • 5.4.4.Loan Period
  • 5.4.5.Collateral
  • 5.4.6.Charges
  • 5.4.7.Investment Options
  • 5.4.8.Credit Worthiness
• 5.5.Purpose of Purchase
• 5.6.Frequency of Purchase
• 5.7.Medium of Purchase
• 5.8.Role of Brand Ambassador or Influencer Marketing on Product/Brand Absorption

6.India Peer-to-Peer Lending Market Outlook, FY2018-FY2032

• 6.1.Market Size & Forecast
  • 6.1.1.By Value
• 6.2.By Lending Model
  • 6.2.1.Direct
  • 6.2.2.Marketplace
• 6.3.By Credit Type
  • 6.3.1.Business Loan
  • 6.3.2.Personal Loan
    • 6.3.2.1.Marriage Loan
    • 6.3.2.2.Education Loan
    • 6.3.2.3.Medical Loan
    • 6.3.2.4.Home Renovation Loan
    • 6.3.2.5.Others
  • 6.3.3.Others
• 6.4.By Credit Tenure
  • 6.4.1.Short-term (Up to 12 months)
  • 6.4.2.Long-term (More than 12 months)
• 6.5.By Lender Type
  • 6.5.1.Individual
  • 6.5.2.Firm
  • 6.5.3.HUF
  • 6.5.4.Body of Individuals
  • 6.5.5.Institutional Investors
  • 6.5.6.Others
• 6.6.By Returns
  • 6.6.1.Lumpsum
  • 6.6.2.Monthly Returns
• 6.7.By End-user / Borrower Type
  • 6.7.1.Natural Person
  • 6.7.2.Business Entity
  • 6.7.3.Others
• 6.8.By Region
  • 6.8.1.North
  • 6.8.2.South
  • 6.8.3.East
  • 6.8.4.West and Central
• 6.9.By Company Market Share (%), FY2024

7.Market Mapping, FY2024

• 7.1.By Lending Model
• 7.2.By Credit Type
• 7.3.By Credit Tenure
• 7.4.By Lender Type
• 7.5.By Returns
• 7.6.By End-user / borrower
• 7.7.By Region

8.Macro Environment and Industry Structure

• 8.1.Supply Demand Analysis
• 8.2.Regulatory Framework and Compliance
  • 8.2.1.RBI Guidelines and Policies
  • 8.2.2.Monetary & Fiscal Policies
  • 8.2.3.Taxation Policies
• 8.3.PESTEL Analysis
  • 8.3.1.Political Factors
  • 8.3.2.Economic System
  • 8.3.3.Social Implications
  • 8.3.4.Technological Advancements
  • 8.3.5.Environmental Impacts
  • 8.3.6.Legal Compliances and Regulatory Policies (Statutory Bodies Included)
• 8.4.Porter's Five Forces Analysis
  • 8.4.1.Supplier Power
  • 8.4.2.Buyer Power
  • 8.4.3.Substitution Threat
  • 8.4.4.Threat from New Entrant
  • 8.4.5.Competitive Rivalry

9.Market Dynamics

• 9.1.Growth Drivers
• 9.2.Growth Inhibitors (Challenges and Restraints)

10.Key Players Landscape

• 10.1.Competition Matrix of Top Five Market Leaders
• 10.2.Market Revenue Analysis of Top Five Market Leaders (in %, FY2024)
• 10.3.Mergers and Acquisitions/Joint Ventures (If Applicable)
• 10.4.SWOT Analysis (For Five Market Players)
• 10.5.Patent Analysis (If Applicable)

11.Pricing Analysis

• 11.1.Pricing by Individual Lenders
• 11.2.Interest Rate Analysis (by Borrower and Lender)

12.Case Studies

13.Key Players Outlook

• 13.1.Fairassets Technologies Private Limited ('Faircent')
  • 13.1.1.Company Details
  • 13.1.2.Key Management Personnel
  • 13.1.3.Products & Services
  • 13.1.4.Financials (As reported)
  • 13.1.5.Key Market Focus & Geographical Presence
  • 13.1.6.Recent Developments
• 13.2.Trickle Flood Technologies Private Limited
• 13.3.Bridge Fintech Solutions Private Limited ("finzy")
• 13.4.Transactree Technologies Private Limited (Lendbox)
• 13.5.NDX P2P PRIVATE LIMITED ("LiquiLoans")
• 13.6.FINTELLIGENCE DATA SCIENCE PRIVATE LIMITED ("RupeeCircle")
• 13.7.M/s Dipamkara Web Ventures Private Limited (i-lend)
• 13.8.Monexo Fintech Private Limited
• 13.9.RNVP Technology Private Limited (i2i)
• 13.10.Resilient Innovations Private Limited (12% Club)

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work

14.Strategic Recommendations

15.About Us & Disclaimer

List of Tables

• Table 1. Pricing Analysis of Products from Key Players
• Table 2. Competition Matrix of Top 5 Market Leaders
• Table 3. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 4. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1. India Peer-to-Peer Lending Market, By Value, In USD Billion, FY2018-FY2032F
• Figure 2. India Peer-to-Peer Lending Market Share (%), By Lending Model, FY2018-FY2032F
• Figure 3. India Peer-to-Peer Lending Market Share (%), By Credit Type, FY2018-FY2032F
• Figure 4. India Peer-to-Peer Lending Market Share (%), By Credit Tenure, FY2018-FY2032F
• Figure 5. India Peer-to-Peer Lending Market Share (%), By Lender Type, FY2018-FY2032F
• Figure 6. India Peer-to-Peer Lending Market Share (%), By Returns, FY2018-FY2032F
• Figure 7. India Peer-to-Peer Lending Market Share (%), By End-user/Borrower Type, FY2018-FY2032F
• Figure 8. India Peer-to-Peer Lending Market Share (%), By Region, FY2018-FY2032F
• Figure 9. By Lending Model Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 10. By Credit Type Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 11. By Credit Tenure Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 12. By Lender Type Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 13. By Returns Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 14. By End-user/Borrower Type Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 15. By Region Map-Market Size (USD Billion) & Growth Rate (%), FY2024