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December 12, 2017

NBFCs: A Special report by CRISIL Research - 2017 Edition

Infrastructure finance | Housing finance | Low-cost housing finance | Auto finance | Loan against property | Wholesale finance| SME loans | Gold loans | Microfinance | Construction equipment finance | Leasing | Consumer durable finance | Education loans

Despite sluggish economic growth, slowdown in demand and sharper bank focus on retail loans, NBFCs have been gaining market share across major asset classes.

 

  • What are the factors driving this trend, and is it sustainable?
  • Are NBFCs taking on more risk?
  • Will the earnings growth trajectory be better for some segments?
  • What will separate the winners and losers?

This report delves deep into the fast-changing NBFC landscape and contains CRISIL Research's perspective on the growth prospects, competitive scenario and attractiveness in 13 segments where NBFCs operate, that cover more than 95% of the lending space.

 

Did You Know

 

  • Aggregate RoA for HFCs has remained steady in the last 3 years despite increasing competition
  • Share of low cost housing loans in overall housing loans has nearly doubled in last 3 years
  • Market share of non-banks in MSME financing rose to ~18% in fiscal 2017 from 8% five years ago
  • Aggressive expansion by players increased the finance penetration in consumer durables purchase by ~14% in last five years
  • During fiscal 2012 and fiscal 2017 NBFCs’ wholesale finance outstanding has grown at a CAGR of 31%
  • Real estate lending accounts for 47% of the wholesale finance book

Key coverage

 

  • Relative attractiveness of NBFCs based on growth and profitability outlook, considering business growth, resource profile & asset quality
  • Detailed assessment of competitive positioning and market share of NBFCs in each segment
  • Perspective on regulatory direction in each segment
  • Profiles of 200+ NBFCs, detailing key operational and financial parameters
  • Segment wise analysis on
    • Overall growth & risk in the industry
    • Market share of NBFCs vs banks
    • Growth outlook for NBFCs
    • Profitability - review & outlook
    • Asset quality - review & outlook
    • Growth drivers & challenges
    • Player profiles including player wise market share

To purchase the report, please contact

  • West

    Surbhi Sharma
    Email: surbhi.sharma@crisil.com
    Phone: +91 95671 55305

    Tamil Nadu, Telangana & Andhra Pradesh

    Rupak Sharma
    Email: rupak.sharma@crisil.com
    Phone: +91 84240 15517

  • North

    Sarrthak Sayal
    Email: sarrthak.sayal@crisil.com
    Phone: +91 95828 06789

    Karnataka & Kerala

    Aloka Chatterjea
    Email: aloka.chatterjea@crisil.com
    Phone: +91 96630 94414

  • East

    Priyanka Murarka
    Email: priyanka.murarka@crisil.com
    Phone: +91 99030 60685