印度 P2P借贷市场评估:依贷款模式,信贷类型,信贷期限,贷方类型,还款,最终用户/借款人类型和地区划分的机会和预测（2018-2032 年）

印度 P2P（点对点）借贷市场规模预计将从 2024 年的 27.8 亿美元成长到 2032 年的 85.1 亿美元，预测期内复合年增长率为 15.01%。

P2P借贷在印度并不是一个新概念，但网路和数位化的广泛普及改变了市场动态，使P2P借贷在过去十年中成为一种创新且便利的融资手段。P2P借贷因其便利、灵活、贷款控制力更强、投资回报稳定等优势在印度市场受到欢迎。

由于印度经济的成长、城市化、可支配收入的增加、消费者支出的增加和数位化，印度的 P2P 借贷市场正在以惊人的速度成长。这些年来，印度金融业发生了巨大的变化，从填写贷款申请、等待贷款审批的日子，到只需点击几下即可为个人和企业获取消费贷款，再到现在的贷款资金存入的场景。当下，消费金融发生了重大变革，P2P借贷市场走在了前面。政府法规和合规要求也有助于建立消费者对 P2P 借贷市场的信任。所有这些因素共同促进了市场的发展，为许多现有企业的成长和新参与者的进入创造了机会。

技术采用与数位转型：

印度的 P2P 借贷市场发展迅速，彻底改变了金融业。印度金融服务的快速数位化成为推动 P2P 借贷成长和发展的关键驱动力。随着智慧型手机的普及和销售以及互联网在全国范围内的普及，越来越多的人开始意识到透过数位方式进行的 P2P 借贷。借款人和贷款人可以透过线上平台便捷地借贷，消除地理限制。数位转型有利于印度的 P2P 借贷市场，各公司推出网站和行动应用程序，允许用户透过智慧型手机存取借贷服务，促进金融包容性和行动交易。

本报告调查了印度 P2P（点对点）借贷市场，提供了市场的定义和概述、市场规模的趋势和预测、各个细分市场和地区的详细分析、行业结构以及影响市场成长的因素。案例研究、竞争格局、领导公司简介等。

目录

第一章研究方法论

第二章 专案范围与定义

第三章 COVID-19 对印度 P2P（P2P）借贷市场的影响

第 4 章执行摘要

第五章 客户评价

• 人口统计
• 市场意识和产品讯息
• 品牌知名度和忠诚度
• 融资决策时考虑的因素
• 购买目的
• 购买频率
• 购买媒介
• 品牌大使和影响者行销在促进产品/品牌渗透方面的作用

第六章 印度P2P（P2P）借贷市场展望

• 市场规模/预测
• 依借贷模式
  • 直接地
  • 市场
• 依信用类型
  • 商业贷款
  • 个人贷款
  • 其他
• 依信用期间
  • 短期（最多 12 个月）
  • 长期（12个月以上）
• 依贷款人类型
  • 个人
  • 企业
  • HUF
  • 个人团体
  • 机构投资者
  • 其他
• 依还款方式
  • 大部分
  • 每月还款
• 依最终用户/借款人类型
  • 自然人
  • 商业实体
  • 其他
• 依地区
  • 北方
  • 南部
  • 东
  • 西部/中部地区
• 市占率：依公司划分，2024 年

第 7 章 市场测绘，2024 年

• 依借贷模式
• 依信用类型
• 依信用期间
• 依贷款人类型
• 依还款方式
• 依最终用户/借款人
• 依地区

第八章 宏观环境与产业结构

• 供需分析
• 监理框架和合规性
• PESTEL 分析
• 波特五力分析

第九章市场动态

• 生长促进因子
• 生长抑制因素（问题/限制）

第十章 主要公司情况

• 前 5 名市场领导者的竞争矩阵
• 前 5 名市场领导者的市场收入分析
• 併购/合资（如适用）
• SWOT分析（5家参与企业）
• 专利分析（如果适用）

第11章价格分析

• 私人贷款机构定价
• 利率分析（依借款人/贷款人）

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 战略建议

第十五章关于我们公司/免责声明

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