Professional Documents
Culture Documents
Redit Cape:: Personal Loans
Redit Cape:: Personal Loans
CONTENTS
• Industry Overview
• Risk Profile
• Regional Mix –
States
• Regional Mix –
Districts
• List of Abbreviations
INDUSTRY OVERVIEW
India is currently the sixth largest economy with projections of 7% plus annual
• About CRIF High Mark GDP growth. According to World Economic Forum, the domestic private
consumption which accounts for 60% of the country’s GDP is expected to grow
4X to a USD 6 Trillion opportunity. According to Asian Development Bank, while
the growth rate slowed down to 7% in 2018 from 7.2% a year before due to
weaker agricultural output & curtailed consumption growth due to external
factors, it is expected to rebound to 7.2% in 2019 & 7.3% by 2020 with fiscal policy
measures for income support & bolstering the domestic demand.
Rising income levels, subdued inflation levels, rising urbanization & a shift
towards aspirational spends continue to lead to consumption driven borrowings
by individuals with personal loans becoming one of the most sought-after
products for banks & new-age lenders.
PRBs (4)
Top 10
Market
NBFCs PRBs PSBs Players
59% 37% 23%
• The Y-o-Y growth rate in the number of loans disbursed is ~27% in the top geographies which account for 70% of the
market
• Southern Region dominates the growth in number of loans disbursed but the average ticket size is observed to be
nearly at the Dec 2017 levels, compared to eastern region with 9% & western region 8% higher ticket sizes, resp.
• Uttar Pradesh, Rajasthan & Madhya Pradesh indicate the highest growth in the ticket sizes while the growth in number
of loans disbursed is below the national average level
RISK PROFILE !
VOLUME V – DECEMBER 2018
• Maharashtra, Delhi, Uttar Pradesh have higher PAR 91-180 as compared to national average PAR 91-180
• Telangana, Andhra Pradesh & Rajasthan have lower PAR 91-180 as compared to national average PAR 91-180
VOLUME V – DECEMBER 2018
• Retail finance (inclusive of unsecured instalment loans, secured instalment loans, credit cards) accounts for nearly 18%
new to credit (NTC) customers in the last three years - borrowers who have taken loans for the first time ever as
observed in the Credit Bureau Database
• Unsecured loans (personal loans, consumer loans, credit cards) account for ~46% of the total NTC customer base, which
is ~9% higher share than previous year and 19% higher share than what it was two year back
*NTC % is calculated as the ratio of the NTC Base in a specific year & Total Live Retail Customer Base as of that year
*Retail NTC Product Mix indicates the share of the NTC Base by the Type of Retail Finance with which the customer has been observed to enter in retail finance
VOLUME V – DECEMBER 2018
LIST OF ABBREVIATIONS
ABBREVIATIONS DESCRIPTIONS
GDP Gross Domestic Product
*The Y-o-Y comparison are based on December 2018, December 2017 and December 2016.
*The sourcing market share is based on 9 months data from Apr-Dec of respective years while the sourcing growth is based on calendar year comparison.
CRIF in India, now offers products and services for Credit Information, Business Information, Analytics, Scoring, Credit
Management and Decision solutions in India.
CRIF operates CRIF High Mark, India’s leading credit bureau, which has largest database of individual records and supports millions
of lending decision every month. CRIF High Mark is India’s first full-service credit bureau covering all borrower segments –
MSME/Commercial, Retail and Microfinance. CRIF High Mark works with all leading financial institutions in the country, providing
them a comprehensive bureau coverage using its proprietary ‘Made in India for India Search Engine’, proven to work even with
low quality data.
We bring our global expertise in Analytics, Scoring, Credit Management and Decision Solutions to India through our centre of
excellence at Pune. Our team of expert data scientist and statisticians bring together years of experience in developing bespoke
scorecards for Origination, Marketing and Collections for Financial Services, Insurance or Telecom sectors.
We bring together best of both worlds – comprehensive data and sophisticated dedupe technology for India along with global
best practices, expertise in scoring and top-rated credit management software solutions – to add most value to our clients.
CRIF High Mark strives to keep its data accurate and up to date. The Analysis in this report is based on the trade line as submitted to the Bureau by the member institutions and the customer
base enquired with the Bureau as part of the portfolio review. The results are NOT to be construed or used as a "legal description". CRIF High Mark does not assume any liability for any
errors, omissions, or inaccuracies in the data provided regardless of the cause of such or for any decision made, action taken, or action not taken by the user in reliance upon any data
provided herein. The contents of the report shall not be reproduced in part or whole without permission from CRIF High Mark Credit Information Services Pvt. Ltd.