: CRISIL - Research - Industry Offering - Loan & Wealth in India :

Overview of Loan & Wealth in India report

Loan & Wealth in India provides an in-depth and independent overview on the current and potential demand-supply dynamics of the emerging financial segments through a set of two products.

Both the products draw heavily on industry interactions as well as exclusive, independent market surveys conducted across major cities in India.

»	Exclusive Market Surveys on Retail loan products across 14 cities and over 7000 respondents and on Investment products across 9 cities and over 500 respondents
»	Primary interactions with Industry players by experienced CRISIL Research analysts
»	Use of proprietary "IDeA" (Income Demographics Analysis) to arrive at potential market sizes for Retail Loans and investment Products
»	Secondary sources of information and research databases available at CRISIL Research including NCAER, NSSO, Census data.

These products intend to help existing and new players in financial services industry to get a holistic view of the Indian market dynamics and enable them to embark on strategies to effectively reach the Indian consumers for Retail Loan products as well as HNH (High Networth Households) for Investment products.

»	Outlook on Retail Loan products
	(Unsecured Personal Loans, Home Loans and Credit Cards)

Over the years, the spending and savings patterns of Indian consumers have undergone significant changes, which have influenced the penetration, usage and attitude towards various Retail Loan products. CRISIL Research has estimated the product-wise potential market in India by analysing demographic distribution of Indian population and trends in the various retail loan products.

The focus of coverage is on the linkages between industry dynamics, proprietary "IDeA" and inputs from the consumer survey (over 7000 respondents) across 14 cities in India conducted by IMRB International exclusively for CRISIL Research.

»	Outlook on Investment Products
	(Mutual Funds, Wealth Management and Retail Broking)

The upper strata of Indian households i.e. High Net worth Households (HNH) have seen strong income growth and wealth effect driven by phenomenal returns across major asset classes. This, coupled with the changing age profile and risk appetite of HNH has influenced the distribution of investable surplus; thus creating opportunities for existing and new players offering various investment products. CRISIL Research has analysed the shift in population driven by the 'Income and Demographics' effect coupled with risk profiling of HNH and its impact on future demand for Investment Products.

The focus of coverage is on the linkages between industry dynamics, underlying income demographic factors and inputs from the HNH survey (over 500 respondents) across 9 cities in India conducted by Feedback Consulting exclusively for CRISIL Research.