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市場調查報告書
商品編碼
1475035
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)India Peer-to-Peer Lending Market Assessment, By Lending Model, By Credit Type, By Credit Tenure, By Lender Type, By Returns, By End-user/Borrower Type, By Region, Opportunities and Forecast, FY2018-FY2032F |
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。
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.
Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work