印度摩托车融资市场：增长机会

数字化和电动摩托车（2W）的快速普及有望推动转型的增长。

在 COVID-19 大流行之前，印度的摩托车 (2W) 贷款市场已显着增长，因为摩托车 (2W) 的采用增长率正在上升。虽然原产地价值和数量从 2017 年到 2020 年稳步增长，但大流行对 2021 年摩托车（2W）市场的销售产生了负面影响，并阻碍了市场发展。两轮车 (2W) 贷款市场早于 COVID-19，因为电动 (e2W) 市场自 2021 年以来已经扩大，大多数银行和非银行金融公司 (NBFC) 已开始向电动汽车 (EV) 消费者提供贷款。有望恢復到水平。

本报告调查了印度的摩托车贷款市场，并提供了有关增长机会、市场概况等方面的信息。

目录

战略要求

• 为什么增长变得更加困难
• 战略要务 8 (TM)
• 印度摩托车 (2W) 贷款的三大战略要求的影响
• 增长机会推动增长管道引擎 (TM)

增长机会分析：印度的 2W 贷款市场

• 印度 2W 市场情景
• 印度 e2W 市场情景

印度 2W 贷款市场概况

• 印度 2W 贷款市场
• 印度的 2W 贷款市场：按债权人分类
• 印度的 2W 贷款市场：按票面大小

竞争形势

• 印度 2W 贷款市场初创企业
• 印度 e2W 初创企业与贷方之间的合作
• 印度 2W 贷方的比较分析
• Shriram City Union Finance Ltd.
• Hero FinCorp Ltd.
• Bajaj 金融有限公司
• 联通金融控股有限公司
• Mahindra & Mahindra Financial Services Limited
• ICICI 银行
• SBI 银行
• HHDFC 银行

影响印度 2W 借贷市场的主要趋势

• 趋势一：数字普惠金融影响2W借贷
• 趋势 2：印度电子商务市场快速增长
• 趋势 3：推出提供多种融资选择的新金融科技平台

增长机会宇宙：印度的 2W 贷款市场

• 增长机会一：数字化支持2W贷款
• 增长机会 2：加速 2W 贷款领域的 2W 采用初创企业
• 增长机会 3：合作为消费者提供有吸引力的贷款选择
• 展品清单
• 免责声明

Digitalization and Rapid Adoption of Electric 2Ws Drive Transformational Growth

The two-wheeler (2W) financing market experienced significant growth before the COVID-19 pandemic as 2W adoption growth rates were on the rise in India. Origination value and volume increased steadily between FY 2017 and FY 2020, but the pandemic had such a negative impact on 2W market sales in FY 2021 that it hampered the 2W financing market in India. After FY 2021, the 2W financing market is headed towards returning to pre-COVID-19 levels as the electric (e2W) market expands and most banks and non-bank financial companies (NBFCs) have started lending to electric vehicle (EV) consumers.

NBFCs have dominated the Indian 2W loans space, with a share of more than 50%. NBFCs have maintained a larger market share because of flexible formalities and the availability of larger loans. However, because of changing market dynamics, increasing electrification, emerging fintechs, and better private banking services, NBFCs have lost market share since the COVID-19 pandemic began.

The 2W financing market targeted commuter and premium 2Ws with a ticket size between 1 CC and 110 CC (i.e., more than 1.5 liters). As consumer demands for new models with better features have increased, market share has shifted significantly from the commuter segment to the 2W mid segment, with 126 CC to 150 CC and 150 CC to 200 CC 2Ws in 2021. Additionally, ticket sizes above 1.5 liters have decreased because mid-segment 2W models with similar features are now more affordable.

Further, the latest trends, such as digitalization and new business models, have helped financial institutions reach customers in rural and semi-urban areas across India and cater to their increasing demand.

This study offers a look at the growth opportunities for the 2W financing market in India, including a review of the competitive landscape among financial institutions and banks as well as the top 3 trends impacting the market.

Table of Contents

Strategic Imperatives

• Why Is It Increasingly Difficult to Grow?
• The Strategic Imperative 8™
• The Impact of the Top 3 Strategic Imperatives on the Two-wheeler (2W) Financing in India
• Growth Opportunities Fuel the Growth Pipeline Engine™

Growth Opportunity Analysis, Indian 2W Financing Market

• The Indian 2W Market Scenario
• The Indian e2W Market Scenario

Indian 2W Financing Market Overview

• The Indian 2W Financing Market
• The Indian 2W Financing Market by Lender
• The Indian 2W Financing Market by Ticket Size

Competitive Landscape

• Emerging Start-ups for the 2W Financing Market in India
• Emerging Start-ups for the 2W Financing Market in India (continued)
• Collaborations between e2W Start-up and Financing Companies in India
• Comparative Analysis of 2W Financing Players in India
• Shriram City Union Finance Ltd.
• Hero FinCorp Ltd.
• Bajaj Finance Limited
• L&T Finance Holdings Limited
• Mahindra & Mahindra Financial Services Limited
• ICICI Bank
• SBI Bank
• HDFC Bank

Major Trends Impacting the 2W Financing Market in India

• Trend 1-Digital Financial Inclusion Impacting 2W Financing
• Trend 2-Booming eCommerce Market in India
• Trend 3-Emerging Fintech Platforms Offering Multiple Financing Options

Growth Opportunity Universe, 2W Financing Market in India

• Growth Opportunity 1-Digitalization Aids 2W Financing
• Growth Opportunity 1-Digitalization Aids 2W Financing (continued)
• Growth Opportunity 2-Disruption of Start-ups in the 2W Financing Space to Accelerate Adoption of e2W
• Growth Opportunity 2-Disruption of Start-ups in the 2W Financing Space to Accelerate Adoption of e2W (continued)
• Growth Opportunity 3-Collaborations to Offer Consumers Attractive Financing Options
• Growth Opportunity 3-Collaborations to Offer Consumers Attractive Financing Options (continued)
• List of Exhibits
• Legal Disclaimer