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India Online Loans Market Outlook to 2019 - Industry Transformation by the Advent of Web Aggregators

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The report titled “India Online Loans Market Outlook to 2019 - Industry Transformation by the Advent of Web Aggregators” provides a comprehensive analysis of the various aspects such as market size of India online loans industry, market size of different loan segments such as personal loans, home loans, auto loans, education loans and gold loans. The report also covers the market shares of major players in online loans industry in India. Web aggregator business model, funds raised, competitive landscape and market share has also been discussed.

The online loans market has emerged as one of the fastest growing industries in India. This industry has been majorly driven by factors such as growing internet user base, rising awareness among the users and increasing number of banks who offer online services. Due to the absolute transparency provided by online loans, customers can compare the services of various banks easily. The total online loans disbursed in India have increased from INR ~ million in FY’2010 to INR ~ million in FY’2014, thereby displaying a CAGR of 68.8%.

The market has evolved over the years, with metropolitan cities such as Delhi/NCR, Mumbai, Chennai, Pune and Bangalore driving growth in the market. However, low awareness with respect to online loans continues to deter consumers from using online loans.  

The major players in the online loans industry are HDFC, ICICI, SBI, and Axis bank among others. HDFC was the country’s largest lender of online home loans in FY’2014 and held a market share of ~% in FY’2014. HDFC was followed by ICICI with a market share of ~%. SBI was the third largest lender of online home loans with a market share of ~%.

In recent years, web aggregators have begun to play a crucial role in the online loans industry of India. The USPs of these aggregators is that they provide free comparison of loans provided by different banks online. Additionally, information on fees, taxes, eligibility and documentation are also available on the website. The business model of these web aggregators slightly differs from company to company. Bank Bazaar holds the highest market share in terms of loan disbursal through web aggregators.

The online loans market is at a nascent stage in India, primarily due to low awareness regarding benefits of online loans coupled with low internet penetration in the country. Eventually, Indian customers are expected to get accustomed to the internet thereby leading to a rise in the number of online transactions. This would further facilitate the growth of the online loans market in India. Thus, India has immense potential in the online loans industry. The market is expected to grow to INR ~ million in terms of revenue by FY’2019. 

Key Topics Covered in the Report:

  • The market size of India online loans by loans outstanding, loans disbursed and revenue. 
  • Market segmentation of the online loans industry on the basis of types of loans (personal, education, gold, home, auto) and major cities (Mumbai, Delhi/NCR, Bangalore, Pune and Others). 
  • Trends and Development in the Indian online loans industry.
  • Competitive landscape and detailed company profiles of the major banks in India online loans industry.
  • Mergers and Acquisitions in India online loans industry.
  • Future outlook and projections of the India online loans market.
  • Role of Web Aggregators in India online loans industry.
  • Government Regulations in India online loans industry.
  • Future outlook of the overall online loans market and outlook by type of loans.
READ MORE

Table Of Content

Scope

TABLE OF CONTENTS

 

1. India Banking Sector Introduction

Banking Sector in India

Mobile Banking- Next Major Technological Leap

2. India Online Loans Market Introduction

Benefits of Online Loans to Customers

Benefits of Online Loans to Banks

3. Value Chain Analysis of Online Loans Market in India

4. India Online Loans Market Size

4.1. By Loans Outstanding, FY'2011-FY'2014

4.2. By Loans Disbursed, FY'2010-FY'2014

4.3. By Revenue, FY'2010-FY'2014

5. Target Customer Profile

6. India Online Retail Loan Market Segmentation

6.1. By Types of Online Retail Loans

6.1.1. By Retail Loans Disbursed, FY'2010-2014

6.1.2. By Loans Outstanding, FY'2011-FY'2014

6.1.3. By Revenue, FY'2014

6.2. By Major Cities (Mumbai, Delhi/NCR, Bangalore, Pune and Others), FY'2014

6.3. By Queries for Different Loan Segments

6.4. Lead Generation (By Banks and Web Aggregators), FY'2014

7. India Online Personal Loans Market Introduction

7.1. India Online Personal Loans Market Size

7.1.1. By Loans Outstanding, FY'2011-FY'2014

7.1.2. By Loans Disbursed, FY'2010-FY'2014

7.2. India Online Personal Loans Market Segmentation, FY'2014

7.2.1. By Major Cities (Delhi/NCR, Mumbai Bangalore, Chennai and Others), FY'2014

7.3. Market Share of Major Players in India Online Personal Loans Market, FY'2014

7.4. India Online Personal Loans Market Future Outlook, FY'2015-FY'2019

8. India Online Home Loans Market Introduction

8.1. India Online Home Loans Market Size

8.1.1. By Loans Outstanding, FY'2011-FY'2014

8.1.2. By Loan Disbursed, FY'2010-FY'2014

8.2. India Online Home Loans Market Segmentation

8.2.1. By Major Cities (Mumbai, New Delhi, Bangalore, Hyderabad, Pune and Others), FY'2014

8.2.2. By Banks and NBFC's, FY'2010-FY'2014

8.3. Market Share of Major Players in India Online Home Loans Market, FY'2014

8.4. India Online Home Loans Market Future Outlook, FY'2015-FY'2019

9. India Online Auto Loans Market Introduction

9.1. India Online Auto Loans Market Size

9.1.1. By Outstanding Loans, FY'2011-FY'2014

9.1.2. By Loans Disbursed, FY'2010-FY'2014

9.2. India Online Auto Loans Market Segmentation, FY'2014

9.2.1. By Major Cities (Delhi/NCR, Mumbai, Bangalore, Pune and Others), FY'2014

9.3. Market Share of Major Players in India Online Auto Loans Market, FY'2014

9.4. India Online Auto Loans Market Future Outlook, FY'2015-FY'2019

10. India Online Education Loans Market Introduction

10.1. India Online Education Loans Market Size

10.1.1. By Outstanding Loans, FY'2011-FY'2014

10.1.2. By Loans Disbursed, FY'2010-FY'2014

10.2. India Online Education Market Segmentation, FY'2014

10.2.1. By Major Cities (Mumbai, Delhi/NCR, Bangalore, Kolkata and Others), FY'2014

10.3. India Online Education Loans Market Future Outlook

11. India Online Gold Loans Market Introduction

11.1. India Online Gold Loans Market Size

11.1.1. By Outstanding Loans, FY'2011-FY'2014

11.1.2. By Loans Disbursed, FY'2010-FY'2014

11.2. India Online Gold Loans Market Segmentation

11.2.1. By Banks and NBFC's, FY'2011-FY'2014

11.3. India Online Gold Loans Market Future Outlook, FY'2015-FY'2019

12. India Online Loans Market Trends and Developments

Thriving Internet Penetration and Awareness

Rise in Do It Yourself (DIY) Services

Advent of Video Banking

Social Banking Driving the Growth of E-Loans

High Realty Prices Hindering Demand for Home Loans

Changing Dynamics in Higher Education Creating Scope for Education Loans

13. SWOT Analysis of Online Loan Industry in India

14. Porter's Five Force Analysis of India Online Loan Industry

15. Major Growth Drivers in India Online Loan Industry

16. Mergers and Acquisitions in India Financial Services Industry

17. Government Regulations and Legislations in India Online Loan Industry

17.1. Legal Issues Involved in Internet Banking

17.2. Regulatory and Supervisory Issues

18. Role of Web Aggregators

18.1. Business Model of Web Aggregators

18.2. Funds Raised by Web Aggregators

18.3. Competitive Landscape of Web Aggregators

18.4. Market Share of Web Aggregators

19. Competitive Landscape of Major Players in Online Loans Industry in India

20. India Online Loans Market Future Outlook and Projections, FY'2015-FY'2019

20.1. Cause and Effect Relationship between Dependent and Independent Factors Prevailing in India Online Loans Market

21. Macroeconomic Variables of India Online Loans Industry

21.1. Personal Disposable Income, FY'2009-FY'2019

21.2. E-commerce Market Size in India, CY'2009-CY-2019

21.3. Middle Class Population of India, FY'2009-FY'2019

21.4. FDI Inflows in Financial Sector of India, FY'2009-FY'2019

21.5. Number of Internet Users in India, FY'2009-FY'2019

22. Appendix

22.1. Market Definitions

22.2. Abbreviations

22.3. Research Methodology

Data Collection Methods

Approach and Assumptions

Variables (Dependent and Independent)

Multi Factor Based Sensitivity Model

Final Conclusion

22.4. Disclaimer

 


List Of Figure

LIST OF FIGURES

 

Figure 1: Value Chain Analysis of Online Financial Services Market in India

Figure 2: India Online Loans Market Size by Loans Outstanding in INR Million, FY'2011-FY'2014

Figure 3: India Online Loans Market Size by Loans Disbursed in INR Million, FY'2010-FY'2014

Figure 4: India Online Loans Market Size by Revenue from Interest Income in INR Million, FY'2010-FY'2014

Figure 5: India Online Loans Market Segmentation by Different Types of Loans (Personal loans, Home loans, Auto loans, Education loans and Gold loans) on the Basis of Loans Disbursed in Percentage (%), FY'2010-FY'2014

Figure 6: India Online Loans Market Segmentation by Type of Loans (Personal loans, Home loans, Auto loans, Education loans and Gold loans) on the Basis of Revenue in Percentage (%), FY'2014

Figure 7: India Online Loans Market Segmentation by Major Cities (Mumbai, Delhi/NCR, Bangalore, Pune and Others) on the Basis of Loans Disbursed in Percentage (%), FY'2014

Figure 8: India Online Loans Market Segmentation by Queries Generated for Different Loan Segments in terms of Percentage (%) (Personal Loans, Home Loans, Auto Loans, Education Loans and Others), FY'2014

Figure 9: India Online Loans Market Segmentation by Loans Disbursed Directly by Banks and Loans Disbursed through Web Aggregators in terms of Percentage (%), FY'2014

Figure 10: India Online Personal Loans Market Size by Loans Outstanding in INR Million, FY'2011-FY'2014

Figure 11: India Online Personal Loans Market Size by Loans Disbursed in INR Million, FY'2010-FY'2014

Figure 12: India Online Personal Loans Market Segmentation by Major Cities (Delhi/NCR, Mumbai Bangalore, Chennai and Others) on the Basis of Loans Disbursed in Percentage (%), FY'2014

Figure 13: India Online Personal Loans Market Share of Major Players on the Basis of Revenue in Percentage (%), FY'2014

Figure 14: India Online Loans Market Future Projections on the Basis of Online Personal Loans Outstanding in INR Million, FY'2015-FY'2019

Figure 15: India Online Home Loans Market Size by Loans Outstanding, FY'2011-FY'2014

Figure 16: India Online Home Loans Market Size by Loans Disbursed, FY'2010-FY'2014

Figure 17: India Online Home Loans Market Segmentation by Major Cities (Mumbai, New Delhi, Bangalore, Hyderabad and Pune) on the Basis of Loans Disbursed in Percentage (%), FY'2014

Figure 18: India Online Home Loans Market Segmentation by Banks and NBFC's on the Basis of Loans Disbursed in INR Million, FY'2010-FY'2014

Figure 19: India Online Home Loans Market Segmentation by Banks and NBFC's, on the Basis of Loans Disbursed in Percentage (%), FY'2010-FY'2014

Figure 20: Market Share of Major Players in India Online Home Loans on the basis of Revenue in Percentage (%), FY'2014

Figure 21: India Online Loans Market Future Projections on the Basis of Online Home Loans Outstanding in INR Million, FY'2015-FY'2019

Figure 22: India Online Auto Loans Market Size by Loans Outstanding in INR Million, FY'2011-FY'2014

Figure 23: India Online Auto Loans Market Size by Loans Disbursed in INR Million, FY'2010-FY'2014

Figure 24: India Online Auto Loans Market Segmentation by Major Cities on the Basis of Online Auto Loan Applications in Percentage (%), FY'2014

Figure 25: Market Share of Major Players in India Online Auto Loans Market on the basis of Revenue in Percentage (%), FY'2014

Figure 26: India Online Loans Market Future Projections on the Basis of Online Auto Loans Outstanding in INR Million, FY'2015-FY'2019

Figure 27: India Online Education Loans Market Size by Loans Outstanding in INR Million, FY'2011-FY'2014

Figure 28: India Online Education Loans Market Size by Loans Disbursed in INR Million, FY'2010-FY'2014

Figure 29: India Online Education Loans Market Segmentation by Major Cities (Mumbai, Delhi/NCR, Bangalore, Kolkata and Others) on the Basis of Loans Disbursed in Percentage (%), FY'2014

Figure 30: India Online Loans Market Future Projections on the Basis of Online Education Loans Outstanding in INR Million, FY'2015-FY'2019

Figure 31: India Online Gold Loans Market Size by Loans Outstanding in INR Million, FY'2011-FY'2014

Figure 32: India Online Gold Loans Market Size by Loans Disbursed in INR Million, FY'2010-FY'2014

Figure 33: India Online Gold Loans Market Segmentation by Banks and NBFC's on the Basis of Loans Disbursed, FY'2010-FY'2014

Figure 34: India Online Gold Loans Market Segmentation by Banks and NBFC's on the Basis of Contribution in Loans Disbursed in Percentage (%) FY'2010-FY'2014

Figure 35: India Online Loans Market Future Projections on the Basis of Online Education Loans Outstanding in INR Million, FY'2015-FY'2019

Figure 36: Number of Claimed and Active Internet Users in India in Percentage (%), as on June 2014

Figure 37: Market Share of Major Web Aggregators in terms of Loan Disbursal, 2014

Figure 38: India Online Loans Market Future Projections on the Basis of Revenue in INR Million, FY'2015-FY'2019

Figure 39: Personal Disposable Income in India in INR Billion, FY'2009-FY'2019

Figure 40: E-Commerce Market Size in India in INR Million, CY'2009-CY'2019

Figure 41: Middle Class Population in India in Million, FY'2009-FY'2019

Figure 42: FDI Inflows in Financial Sector of India in INR Million, FY'2009-FY'2019

Figure 43: Number of Internet Users in India in Million, CY'2009-CY'2019

 


List Of Table

Table 1: Comparison of Online and Offline Retail Loan Disbursed by Type, in INR Million and CAGR growth, FY’2010- FY’2014

Table 2: Target Customer Profile for Online Loan in India

Table 3: India Online Loans Market Segmentation by Different Types of Loans (Personal loans, Home loans, Auto loans, Education loans and Gold loans) on the Basis of Loans Disbursed in INR Million, FY’2010-FY’2014

Table 4: India Online Loans Market Segmentation by Different Types of Loans (Personal loans, Home loans, Auto loans, Education loans and Gold loans) on the Basis of Loans Outstanding in INR Million, FY’2011-FY’2014

Table 5: India Online Loans Market Segmentation by Different Types of Loans (Personal loans, Home loans, Auto loans, Education loans and Gold loans) on the Basis of Loans Outstanding in Percentage (%), FY’2011-FY’2014

Table 6: India Online Loans Market Segmentation by Type of Loans (Personal loans, Home loans, Auto loans, Education loans and Gold loans) on the Basis of Revenue in INR Million, FY’2014

Table 7: Interest Rate Charged by Different Banks and NBFC’s

Table 8: India Online Loans Market Segmentation by Major Cities (Mumbai, Delhi/NCR, Bangalore, Pune and Others) on the Basis of Loans Disbursed in Percentage (%), FY’2014

Table 9: India Online Loans Market Segmentation by Loans Disbursed Directly by Banks and Loans Disbursed through Web Aggregators in terms of Loans Disbursed in INR Million, FY’2014

Table 10: India Online Personal Loans Market Segmentation by Major Cities (Delhi/NCR, Mumbai Bangalore, Chennai) on the Basis of Loans Disbursed, in INR Million, FY’2014

Table 11: India Online Personal Loans Market Share of Major Players on the Basis of Revenue Generated in INR Million, FY’2014

Table 12: India Online Home Loans Market Segmentation by Major Cities (Mumbai, New Delhi, Bangalore, Hyderabad and Pune) on the Basis of Loans Disbursed in INR Million, FY’2014

Table 13: Market Share of Major Players in India Online Home Loans on the basis of Revenue in INR Million, FY’2014

Table 14: Market Share of Major Players in India Online Auto Loans Market on the basis of Revenue in INR Million, FY’2014

Table 15: India Online Education Loans Market Segmentation by Major Cities (Mumbai, Delhi/NCR, Bangalore, Kolkata and Others) on the Basis of Loans Disbursed in INR Million, FY’2014

Table 16: Imports of Gold in India, FY’2009-FY’2012

Table 17: Comparison of Different Banks and NBFC’s in terms of Gold Loans

Table 18: Internet Users - Claimed and Active, as on June 2014

Table 19: Mergers and Acquisitions in Financial Services Industry in India

Table 20: Funds Raised by Web Aggregators in India Online Financial Services Industry

Table 21: Competitive Landscape of Major Web Aggregators in Online Financial Services Industry India

Table 22: Competitive Landscape of Major Banks in Online Financial Services Industry India

Table 23: Cause and Effect Relationship between Industry factors and Expected Industry Prospects for India Online Loans Industry

Table 24: Correlation Matrix for Online Loans Industry India

Table 25: Regression Coefficients Output

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Section Purchase

India Online Loans Market Outlook to 2019-Introduction and Value Chain Pages: 5 | USD 100

1. India Banking Sector Introduction

Banking Sector in India

Mobile Banking- Next Major Technological Leap

2. India Online Loans Market Introduction

Benefits of Online Loans to Customers

Benefits of Online Loans to Banks

3. Value Chain Analysis of Online Loans Market in India


India Online Loans Market Outlook to 2019-Web Aggregators and Competition Pages: 15 | USD 150

18. Role of Web Aggregators

18.1. Business Model of Web Aggregators

18.2. Funds Raised by Web Aggregators

18.3. Competitive Landscape of Web Aggregators

18.4. Market Share of Web Aggregators

19. Competitive Landscape of Major Players in Online Loans Industry in India


India Online Loans Market Outlook to 2019-Outlook and Macro Pages: 10 | USD 200

20. India Online Loans Market Future Outlook and Projections, FY'2015-FY'2019

20.1. Cause and Effect Relationship between Dependent and Independent Factors Prevailing in India Online Loans Market

21. Macroeconomic Variables of India Online Loans Industry

21.1. Personal Disposable Income, FY'2009-FY'2019

21.2. E-commerce Market Size in India, CY'2009-CY-2019

21.3. Middle Class Population of India, FY'2009-FY'2019

21.4. FDI Inflows in Financial Sector of India, FY'2009-FY'2019

21.5. Number of Internet Users in India, FY'2009-FY'2019


India Online Loans Market Outlook to 2019-Market Size and Segmentation Pages: 21 | USD 350

4. India Online Loans Market Size

4.1. By Loans Outstanding, FY'2011-FY'2014

4.2. By Loans Disbursed, FY'2010-FY'2014

4.3. By Revenue, FY'2010-FY'2014

5. Target Customer Profile

6. India Online Retail Loan Market Segmentation

6.1. By Types of Online Retail Loans

6.1.1. By Retail Loans Disbursed, FY'2010-2014

6.1.2. By Loans Outstanding, FY'2011-FY'2014

6.1.3. By Revenue, FY'2014

6.2. By Major Cities (Mumbai, Delhi/NCR, Bangalore, Pune and Others), FY'2014

6.3. By Queries for Different Loan Segments

6.4. Lead Generation (By Banks and Web Aggregators), FY'2014


India Online Loans Market Outlook to 2019-Personal Loan Market Pages: 8 | USD 200

7. India Online Personal Loans Market Introduction

7.1. India Online Personal Loans Market Size

7.1.1. By Loans Outstanding, FY'2011-FY'2014

7.1.2. By Loans Disbursed, FY'2010-FY'2014

7.2. India Online Personal Loans Market Segmentation, FY'2014

7.2.1. By Major Cities (Delhi/NCR, Mumbai Bangalore, Chennai and Others), FY'2014

7.3. Market Share of Major Players in India Online Personal Loans Market, FY'2014

7.4. India Online Personal Loans Market Future Outlook, FY'2015-FY'2019


India Online Loans Market Outlook to 2019-Home Loans Market Pages: 11 | USD 200

8. India Online Home Loans Market Introduction

8.1. India Online Home Loans Market Size

8.1.1. By Loans Outstanding, FY'2011-FY'2014

8.1.2. By Loan Disbursed, FY'2010-FY'2014

8.2. India Online Home Loans Market Segmentation

8.2.1. By Major Cities (Mumbai, New Delhi, Bangalore, Hyderabad, Pune and Others), FY'2014

8.2.2. By Banks and NBFC's, FY'2010-FY'2014

8.3. Market Share of Major Players in India Online Home Loans Market, FY'2014

8.4. India Online Home Loans Market Future Outlook, FY'2015-FY'2019


India Online Loans Market Outlook to 2019-Auto Loans Market Pages: 7 | USD 200

9. India Online Auto Loans Market Introduction

9.1. India Online Auto Loans Market Size

9.1.1. By Outstanding Loans, FY'2011-FY'2014

9.1.2. By Loans Disbursed, FY'2010-FY'2014

9.2. India Online Auto Loans Market Segmentation, FY'2014

9.2.1. By Major Cities (Delhi/NCR, Mumbai, Bangalore, Pune and Others), FY'2014

9.3. Market Share of Major Players in India Online Auto Loans Market, FY'2014

9.4. India Online Auto Loans Market Future Outlook, FY'2015-FY'2019


India Online Loans Market Outlook to 2019-Education Loans Market Pages: 6 | USD 200

10. India Online Education Loans Market Introduction

10.1. India Online Education Loans Market Size

10.1.1. By Outstanding Loans, FY'2011-FY'2014

10.1.2. By Loans Disbursed, FY'2010-FY'2014

10.2. India Online Education Market Segmentation, FY'2014

10.2.1. By Major Cities (Mumbai, Delhi/NCR, Bangalore, Kolkata and Others), FY'2014

10.3. India Online Education Loans Market Future Outlook


India Online Loans Market Outlook to 2019-Gold Loans Market Pages: 8 | USD 200

11. India Online Gold Loans Market Introduction

11.1. India Online Gold Loans Market Size

11.1.1. By Outstanding Loans, FY'2011-FY'2014

11.1.2. By Loans Disbursed, FY'2010-FY'2014

11.2. India Online Gold Loans Market Segmentation

11.2.1. By Banks and NBFC's, FY'2011-FY'2014

11.3. India Online Gold Loans Market Future Outlook, FY'2015-FY'2019


India Online Loans Market Outlook to 2019-Trends, SWOT, Porter Pages: 7 | USD 100

12. India Online Loans Market Trends and Developments

Thriving Internet Penetration and Awareness

Rise in Do It Yourself (DIY) Services

Advent of Video Banking

Social Banking Driving the Growth of E-Loans

High Realty Prices Hindering Demand for Home Loans

Changing Dynamics in Higher Education Creating Scope for Education Loans

13. SWOT Analysis of Online Loan Industry in India

14. Porter's Five Force Analysis of India Online Loan Industry


India Online Loans Market Outlook to 2019-Drivers, Mergers, Regulations Pages: 6 | USD 100

15. Major Growth Drivers in India Online Loan Industry

16. Mergers and Acquisitions in India Financial Services Industry

17. Government Regulations and Legislations in India Online Loan Industry

17.1. Legal Issues Involved in Internet Banking

17.2. Regulatory and Supervisory Issues


Products and Companies

Products

Loan, Online Loan, Auto loan, Gold Loan, personal Loan, Education Loan, Home Loans


Companies

HDFC Bank, ICICI Bank, State Bank of India, Kotak Mahindra, Axis Bank, IDBI Bank, Punjab National Bank, Policy bazaar, Bank Bazaar, Apnapaisa, Rupeetalk

The report titled “India Online Loans Market Outlook to 2019 - Industry Transformation by the Advent of Web Aggregators” provides a comprehensive analysis of the various aspects such as market size of India online loans industry, market size of different loan segments such as personal loans, home loans, auto loans, education loans and gold loans. The report also covers the market shares of major players in online loans industry in India. Web aggregator business model, funds raised, competitive landscape and market share has also been discussed.

The online loans market has emerged as one of the fastest growing industries in India. This industry has been majorly driven by factors such as growing internet user base, rising awareness among the users and increasing number of banks who offer online services. Due to the absolute transparency provided by online loans, customers can compare the services of various banks easily. The total online loans disbursed in India have increased from INR ~ million in FY’2010 to INR ~ million in FY’2014, thereby displaying a CAGR of 68.8%.

The market has evolved over the years, with metropolitan cities such as Delhi/NCR, Mumbai, Chennai, Pune and Bangalore driving growth in the market. However, low awareness with respect to online loans continues to deter consumers from using online loans.  

The major players in the online loans industry are HDFC, ICICI, SBI, and Axis bank among others. HDFC was the country’s largest lender of online home loans in FY’2014 and held a market share of ~% in FY’2014. HDFC was followed by ICICI with a market share of ~%. SBI was the third largest lender of online home loans with a market share of ~%.

In recent years, web aggregators have begun to play a crucial role in the online loans industry of India. The USPs of these aggregators is that they provide free comparison of loans provided by different banks online. Additionally, information on fees, taxes, eligibility and documentation are also available on the website. The business model of these web aggregators slightly differs from company to company. Bank Bazaar holds the highest market share in terms of loan disbursal through web aggregators.

The online loans market is at a nascent stage in India, primarily due to low awareness regarding benefits of online loans coupled with low internet penetration in the country. Eventually, Indian customers are expected to get accustomed to the internet thereby leading to a rise in the number of online transactions. This would further facilitate the growth of the online loans market in India. Thus, India has immense potential in the online loans industry. The market is expected to grow to INR ~ million in terms of revenue by FY’2019. 

Key Topics Covered in the Report:

  • The market size of India online loans by loans outstanding, loans disbursed and revenue. 
  • Market segmentation of the online loans industry on the basis of types of loans (personal, education, gold, home, auto) and major cities (Mumbai, Delhi/NCR, Bangalore, Pune and Others). 
  • Trends and Development in the Indian online loans industry.
  • Competitive landscape and detailed company profiles of the major banks in India online loans industry.
  • Mergers and Acquisitions in India online loans industry.
  • Future outlook and projections of the India online loans market.
  • Role of Web Aggregators in India online loans industry.
  • Government Regulations in India online loans industry.
  • Future outlook of the overall online loans market and outlook by type of loans.
READ MORE

Scope

TABLE OF CONTENTS

 

1. India Banking Sector Introduction

Banking Sector in India

Mobile Banking- Next Major Technological Leap

2. India Online Loans Market Introduction

Benefits of Online Loans to Customers

Benefits of Online Loans to Banks

3. Value Chain Analysis of Online Loans Market in India

4. India Online Loans Market Size

4.1. By Loans Outstanding, FY'2011-FY'2014

4.2. By Loans Disbursed, FY'2010-FY'2014

4.3. By Revenue, FY'2010-FY'2014

5. Target Customer Profile

6. India Online Retail Loan Market Segmentation

6.1. By Types of Online Retail Loans

6.1.1. By Retail Loans Disbursed, FY'2010-2014

6.1.2. By Loans Outstanding, FY'2011-FY'2014

6.1.3. By Revenue, FY'2014

6.2. By Major Cities (Mumbai, Delhi/NCR, Bangalore, Pune and Others), FY'2014

6.3. By Queries for Different Loan Segments

6.4. Lead Generation (By Banks and Web Aggregators), FY'2014

7. India Online Personal Loans Market Introduction

7.1. India Online Personal Loans Market Size

7.1.1. By Loans Outstanding, FY'2011-FY'2014

7.1.2. By Loans Disbursed, FY'2010-FY'2014

7.2. India Online Personal Loans Market Segmentation, FY'2014

7.2.1. By Major Cities (Delhi/NCR, Mumbai Bangalore, Chennai and Others), FY'2014

7.3. Market Share of Major Players in India Online Personal Loans Market, FY'2014

7.4. India Online Personal Loans Market Future Outlook, FY'2015-FY'2019

8. India Online Home Loans Market Introduction

8.1. India Online Home Loans Market Size

8.1.1. By Loans Outstanding, FY'2011-FY'2014

8.1.2. By Loan Disbursed, FY'2010-FY'2014

8.2. India Online Home Loans Market Segmentation

8.2.1. By Major Cities (Mumbai, New Delhi, Bangalore, Hyderabad, Pune and Others), FY'2014

8.2.2. By Banks and NBFC's, FY'2010-FY'2014

8.3. Market Share of Major Players in India Online Home Loans Market, FY'2014

8.4. India Online Home Loans Market Future Outlook, FY'2015-FY'2019

9. India Online Auto Loans Market Introduction

9.1. India Online Auto Loans Market Size

9.1.1. By Outstanding Loans, FY'2011-FY'2014

9.1.2. By Loans Disbursed, FY'2010-FY'2014

9.2. India Online Auto Loans Market Segmentation, FY'2014

9.2.1. By Major Cities (Delhi/NCR, Mumbai, Bangalore, Pune and Others), FY'2014

9.3. Market Share of Major Players in India Online Auto Loans Market, FY'2014

9.4. India Online Auto Loans Market Future Outlook, FY'2015-FY'2019

10. India Online Education Loans Market Introduction

10.1. India Online Education Loans Market Size

10.1.1. By Outstanding Loans, FY'2011-FY'2014

10.1.2. By Loans Disbursed, FY'2010-FY'2014

10.2. India Online Education Market Segmentation, FY'2014

10.2.1. By Major Cities (Mumbai, Delhi/NCR, Bangalore, Kolkata and Others), FY'2014

10.3. India Online Education Loans Market Future Outlook

11. India Online Gold Loans Market Introduction

11.1. India Online Gold Loans Market Size

11.1.1. By Outstanding Loans, FY'2011-FY'2014

11.1.2. By Loans Disbursed, FY'2010-FY'2014

11.2. India Online Gold Loans Market Segmentation

11.2.1. By Banks and NBFC's, FY'2011-FY'2014

11.3. India Online Gold Loans Market Future Outlook, FY'2015-FY'2019

12. India Online Loans Market Trends and Developments

Thriving Internet Penetration and Awareness

Rise in Do It Yourself (DIY) Services

Advent of Video Banking

Social Banking Driving the Growth of E-Loans

High Realty Prices Hindering Demand for Home Loans

Changing Dynamics in Higher Education Creating Scope for Education Loans

13. SWOT Analysis of Online Loan Industry in India

14. Porter's Five Force Analysis of India Online Loan Industry

15. Major Growth Drivers in India Online Loan Industry

16. Mergers and Acquisitions in India Financial Services Industry

17. Government Regulations and Legislations in India Online Loan Industry

17.1. Legal Issues Involved in Internet Banking

17.2. Regulatory and Supervisory Issues

18. Role of Web Aggregators

18.1. Business Model of Web Aggregators

18.2. Funds Raised by Web Aggregators

18.3. Competitive Landscape of Web Aggregators

18.4. Market Share of Web Aggregators

19. Competitive Landscape of Major Players in Online Loans Industry in India

20. India Online Loans Market Future Outlook and Projections, FY'2015-FY'2019

20.1. Cause and Effect Relationship between Dependent and Independent Factors Prevailing in India Online Loans Market

21. Macroeconomic Variables of India Online Loans Industry

21.1. Personal Disposable Income, FY'2009-FY'2019

21.2. E-commerce Market Size in India, CY'2009-CY-2019

21.3. Middle Class Population of India, FY'2009-FY'2019

21.4. FDI Inflows in Financial Sector of India, FY'2009-FY'2019

21.5. Number of Internet Users in India, FY'2009-FY'2019

22. Appendix

22.1. Market Definitions

22.2. Abbreviations

22.3. Research Methodology

Data Collection Methods

Approach and Assumptions

Variables (Dependent and Independent)

Multi Factor Based Sensitivity Model

Final Conclusion

22.4. Disclaimer

 


List Of Figure

LIST OF FIGURES

 

Figure 1: Value Chain Analysis of Online Financial Services Market in India

Figure 2: India Online Loans Market Size by Loans Outstanding in INR Million, FY'2011-FY'2014

Figure 3: India Online Loans Market Size by Loans Disbursed in INR Million, FY'2010-FY'2014

Figure 4: India Online Loans Market Size by Revenue from Interest Income in INR Million, FY'2010-FY'2014

Figure 5: India Online Loans Market Segmentation by Different Types of Loans (Personal loans, Home loans, Auto loans, Education loans and Gold loans) on the Basis of Loans Disbursed in Percentage (%), FY'2010-FY'2014

Figure 6: India Online Loans Market Segmentation by Type of Loans (Personal loans, Home loans, Auto loans, Education loans and Gold loans) on the Basis of Revenue in Percentage (%), FY'2014

Figure 7: India Online Loans Market Segmentation by Major Cities (Mumbai, Delhi/NCR, Bangalore, Pune and Others) on the Basis of Loans Disbursed in Percentage (%), FY'2014

Figure 8: India Online Loans Market Segmentation by Queries Generated for Different Loan Segments in terms of Percentage (%) (Personal Loans, Home Loans, Auto Loans, Education Loans and Others), FY'2014

Figure 9: India Online Loans Market Segmentation by Loans Disbursed Directly by Banks and Loans Disbursed through Web Aggregators in terms of Percentage (%), FY'2014

Figure 10: India Online Personal Loans Market Size by Loans Outstanding in INR Million, FY'2011-FY'2014

Figure 11: India Online Personal Loans Market Size by Loans Disbursed in INR Million, FY'2010-FY'2014

Figure 12: India Online Personal Loans Market Segmentation by Major Cities (Delhi/NCR, Mumbai Bangalore, Chennai and Others) on the Basis of Loans Disbursed in Percentage (%), FY'2014

Figure 13: India Online Personal Loans Market Share of Major Players on the Basis of Revenue in Percentage (%), FY'2014

Figure 14: India Online Loans Market Future Projections on the Basis of Online Personal Loans Outstanding in INR Million, FY'2015-FY'2019

Figure 15: India Online Home Loans Market Size by Loans Outstanding, FY'2011-FY'2014

Figure 16: India Online Home Loans Market Size by Loans Disbursed, FY'2010-FY'2014

Figure 17: India Online Home Loans Market Segmentation by Major Cities (Mumbai, New Delhi, Bangalore, Hyderabad and Pune) on the Basis of Loans Disbursed in Percentage (%), FY'2014

Figure 18: India Online Home Loans Market Segmentation by Banks and NBFC's on the Basis of Loans Disbursed in INR Million, FY'2010-FY'2014

Figure 19: India Online Home Loans Market Segmentation by Banks and NBFC's, on the Basis of Loans Disbursed in Percentage (%), FY'2010-FY'2014

Figure 20: Market Share of Major Players in India Online Home Loans on the basis of Revenue in Percentage (%), FY'2014

Figure 21: India Online Loans Market Future Projections on the Basis of Online Home Loans Outstanding in INR Million, FY'2015-FY'2019

Figure 22: India Online Auto Loans Market Size by Loans Outstanding in INR Million, FY'2011-FY'2014

Figure 23: India Online Auto Loans Market Size by Loans Disbursed in INR Million, FY'2010-FY'2014

Figure 24: India Online Auto Loans Market Segmentation by Major Cities on the Basis of Online Auto Loan Applications in Percentage (%), FY'2014

Figure 25: Market Share of Major Players in India Online Auto Loans Market on the basis of Revenue in Percentage (%), FY'2014

Figure 26: India Online Loans Market Future Projections on the Basis of Online Auto Loans Outstanding in INR Million, FY'2015-FY'2019

Figure 27: India Online Education Loans Market Size by Loans Outstanding in INR Million, FY'2011-FY'2014

Figure 28: India Online Education Loans Market Size by Loans Disbursed in INR Million, FY'2010-FY'2014

Figure 29: India Online Education Loans Market Segmentation by Major Cities (Mumbai, Delhi/NCR, Bangalore, Kolkata and Others) on the Basis of Loans Disbursed in Percentage (%), FY'2014

Figure 30: India Online Loans Market Future Projections on the Basis of Online Education Loans Outstanding in INR Million, FY'2015-FY'2019

Figure 31: India Online Gold Loans Market Size by Loans Outstanding in INR Million, FY'2011-FY'2014

Figure 32: India Online Gold Loans Market Size by Loans Disbursed in INR Million, FY'2010-FY'2014

Figure 33: India Online Gold Loans Market Segmentation by Banks and NBFC's on the Basis of Loans Disbursed, FY'2010-FY'2014

Figure 34: India Online Gold Loans Market Segmentation by Banks and NBFC's on the Basis of Contribution in Loans Disbursed in Percentage (%) FY'2010-FY'2014

Figure 35: India Online Loans Market Future Projections on the Basis of Online Education Loans Outstanding in INR Million, FY'2015-FY'2019

Figure 36: Number of Claimed and Active Internet Users in India in Percentage (%), as on June 2014

Figure 37: Market Share of Major Web Aggregators in terms of Loan Disbursal, 2014

Figure 38: India Online Loans Market Future Projections on the Basis of Revenue in INR Million, FY'2015-FY'2019

Figure 39: Personal Disposable Income in India in INR Billion, FY'2009-FY'2019

Figure 40: E-Commerce Market Size in India in INR Million, CY'2009-CY'2019

Figure 41: Middle Class Population in India in Million, FY'2009-FY'2019

Figure 42: FDI Inflows in Financial Sector of India in INR Million, FY'2009-FY'2019

Figure 43: Number of Internet Users in India in Million, CY'2009-CY'2019

 


List Of Table

Table 1: Comparison of Online and Offline Retail Loan Disbursed by Type, in INR Million and CAGR growth, FY’2010- FY’2014

Table 2: Target Customer Profile for Online Loan in India

Table 3: India Online Loans Market Segmentation by Different Types of Loans (Personal loans, Home loans, Auto loans, Education loans and Gold loans) on the Basis of Loans Disbursed in INR Million, FY’2010-FY’2014

Table 4: India Online Loans Market Segmentation by Different Types of Loans (Personal loans, Home loans, Auto loans, Education loans and Gold loans) on the Basis of Loans Outstanding in INR Million, FY’2011-FY’2014

Table 5: India Online Loans Market Segmentation by Different Types of Loans (Personal loans, Home loans, Auto loans, Education loans and Gold loans) on the Basis of Loans Outstanding in Percentage (%), FY’2011-FY’2014

Table 6: India Online Loans Market Segmentation by Type of Loans (Personal loans, Home loans, Auto loans, Education loans and Gold loans) on the Basis of Revenue in INR Million, FY’2014

Table 7: Interest Rate Charged by Different Banks and NBFC’s

Table 8: India Online Loans Market Segmentation by Major Cities (Mumbai, Delhi/NCR, Bangalore, Pune and Others) on the Basis of Loans Disbursed in Percentage (%), FY’2014

Table 9: India Online Loans Market Segmentation by Loans Disbursed Directly by Banks and Loans Disbursed through Web Aggregators in terms of Loans Disbursed in INR Million, FY’2014

Table 10: India Online Personal Loans Market Segmentation by Major Cities (Delhi/NCR, Mumbai Bangalore, Chennai) on the Basis of Loans Disbursed, in INR Million, FY’2014

Table 11: India Online Personal Loans Market Share of Major Players on the Basis of Revenue Generated in INR Million, FY’2014

Table 12: India Online Home Loans Market Segmentation by Major Cities (Mumbai, New Delhi, Bangalore, Hyderabad and Pune) on the Basis of Loans Disbursed in INR Million, FY’2014

Table 13: Market Share of Major Players in India Online Home Loans on the basis of Revenue in INR Million, FY’2014

Table 14: Market Share of Major Players in India Online Auto Loans Market on the basis of Revenue in INR Million, FY’2014

Table 15: India Online Education Loans Market Segmentation by Major Cities (Mumbai, Delhi/NCR, Bangalore, Kolkata and Others) on the Basis of Loans Disbursed in INR Million, FY’2014

Table 16: Imports of Gold in India, FY’2009-FY’2012

Table 17: Comparison of Different Banks and NBFC’s in terms of Gold Loans

Table 18: Internet Users - Claimed and Active, as on June 2014

Table 19: Mergers and Acquisitions in Financial Services Industry in India

Table 20: Funds Raised by Web Aggregators in India Online Financial Services Industry

Table 21: Competitive Landscape of Major Web Aggregators in Online Financial Services Industry India

Table 22: Competitive Landscape of Major Banks in Online Financial Services Industry India

Table 23: Cause and Effect Relationship between Industry factors and Expected Industry Prospects for India Online Loans Industry

Table 24: Correlation Matrix for Online Loans Industry India

Table 25: Regression Coefficients Output

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India Online Loans Market Outlook to 2019-Introduction and Value Chain Pages: 5 | USD 100

1. India Banking Sector Introduction

Banking Sector in India

Mobile Banking- Next Major Technological Leap

2. India Online Loans Market Introduction

Benefits of Online Loans to Customers

Benefits of Online Loans to Banks

3. Value Chain Analysis of Online Loans Market in India


India Online Loans Market Outlook to 2019-Web Aggregators and Competition Pages: 15 | USD 150

18. Role of Web Aggregators

18.1. Business Model of Web Aggregators

18.2. Funds Raised by Web Aggregators

18.3. Competitive Landscape of Web Aggregators

18.4. Market Share of Web Aggregators

19. Competitive Landscape of Major Players in Online Loans Industry in India


India Online Loans Market Outlook to 2019-Outlook and Macro Pages: 10 | USD 200

20. India Online Loans Market Future Outlook and Projections, FY'2015-FY'2019

20.1. Cause and Effect Relationship between Dependent and Independent Factors Prevailing in India Online Loans Market

21. Macroeconomic Variables of India Online Loans Industry

21.1. Personal Disposable Income, FY'2009-FY'2019

21.2. E-commerce Market Size in India, CY'2009-CY-2019

21.3. Middle Class Population of India, FY'2009-FY'2019

21.4. FDI Inflows in Financial Sector of India, FY'2009-FY'2019

21.5. Number of Internet Users in India, FY'2009-FY'2019


India Online Loans Market Outlook to 2019-Market Size and Segmentation Pages: 21 | USD 350

4. India Online Loans Market Size

4.1. By Loans Outstanding, FY'2011-FY'2014

4.2. By Loans Disbursed, FY'2010-FY'2014

4.3. By Revenue, FY'2010-FY'2014

5. Target Customer Profile

6. India Online Retail Loan Market Segmentation

6.1. By Types of Online Retail Loans

6.1.1. By Retail Loans Disbursed, FY'2010-2014

6.1.2. By Loans Outstanding, FY'2011-FY'2014

6.1.3. By Revenue, FY'2014

6.2. By Major Cities (Mumbai, Delhi/NCR, Bangalore, Pune and Others), FY'2014

6.3. By Queries for Different Loan Segments

6.4. Lead Generation (By Banks and Web Aggregators), FY'2014


India Online Loans Market Outlook to 2019-Personal Loan Market Pages: 8 | USD 200

7. India Online Personal Loans Market Introduction

7.1. India Online Personal Loans Market Size

7.1.1. By Loans Outstanding, FY'2011-FY'2014

7.1.2. By Loans Disbursed, FY'2010-FY'2014

7.2. India Online Personal Loans Market Segmentation, FY'2014

7.2.1. By Major Cities (Delhi/NCR, Mumbai Bangalore, Chennai and Others), FY'2014

7.3. Market Share of Major Players in India Online Personal Loans Market, FY'2014

7.4. India Online Personal Loans Market Future Outlook, FY'2015-FY'2019


India Online Loans Market Outlook to 2019-Home Loans Market Pages: 11 | USD 200

8. India Online Home Loans Market Introduction

8.1. India Online Home Loans Market Size

8.1.1. By Loans Outstanding, FY'2011-FY'2014

8.1.2. By Loan Disbursed, FY'2010-FY'2014

8.2. India Online Home Loans Market Segmentation

8.2.1. By Major Cities (Mumbai, New Delhi, Bangalore, Hyderabad, Pune and Others), FY'2014

8.2.2. By Banks and NBFC's, FY'2010-FY'2014

8.3. Market Share of Major Players in India Online Home Loans Market, FY'2014

8.4. India Online Home Loans Market Future Outlook, FY'2015-FY'2019


India Online Loans Market Outlook to 2019-Auto Loans Market Pages: 7 | USD 200

9. India Online Auto Loans Market Introduction

9.1. India Online Auto Loans Market Size

9.1.1. By Outstanding Loans, FY'2011-FY'2014

9.1.2. By Loans Disbursed, FY'2010-FY'2014

9.2. India Online Auto Loans Market Segmentation, FY'2014

9.2.1. By Major Cities (Delhi/NCR, Mumbai, Bangalore, Pune and Others), FY'2014

9.3. Market Share of Major Players in India Online Auto Loans Market, FY'2014

9.4. India Online Auto Loans Market Future Outlook, FY'2015-FY'2019


India Online Loans Market Outlook to 2019-Education Loans Market Pages: 6 | USD 200

10. India Online Education Loans Market Introduction

10.1. India Online Education Loans Market Size

10.1.1. By Outstanding Loans, FY'2011-FY'2014

10.1.2. By Loans Disbursed, FY'2010-FY'2014

10.2. India Online Education Market Segmentation, FY'2014

10.2.1. By Major Cities (Mumbai, Delhi/NCR, Bangalore, Kolkata and Others), FY'2014

10.3. India Online Education Loans Market Future Outlook


India Online Loans Market Outlook to 2019-Gold Loans Market Pages: 8 | USD 200

11. India Online Gold Loans Market Introduction

11.1. India Online Gold Loans Market Size

11.1.1. By Outstanding Loans, FY'2011-FY'2014

11.1.2. By Loans Disbursed, FY'2010-FY'2014

11.2. India Online Gold Loans Market Segmentation

11.2.1. By Banks and NBFC's, FY'2011-FY'2014

11.3. India Online Gold Loans Market Future Outlook, FY'2015-FY'2019


India Online Loans Market Outlook to 2019-Trends, SWOT, Porter Pages: 7 | USD 100

12. India Online Loans Market Trends and Developments

Thriving Internet Penetration and Awareness

Rise in Do It Yourself (DIY) Services

Advent of Video Banking

Social Banking Driving the Growth of E-Loans

High Realty Prices Hindering Demand for Home Loans

Changing Dynamics in Higher Education Creating Scope for Education Loans

13. SWOT Analysis of Online Loan Industry in India

14. Porter's Five Force Analysis of India Online Loan Industry


India Online Loans Market Outlook to 2019-Drivers, Mergers, Regulations Pages: 6 | USD 100

15. Major Growth Drivers in India Online Loan Industry

16. Mergers and Acquisitions in India Financial Services Industry

17. Government Regulations and Legislations in India Online Loan Industry

17.1. Legal Issues Involved in Internet Banking

17.2. Regulatory and Supervisory Issues


Products

Loan, Online Loan, Auto loan, Gold Loan, personal Loan, Education Loan, Home Loans


Companies

HDFC Bank, ICICI Bank, State Bank of India, Kotak Mahindra, Axis Bank, IDBI Bank, Punjab National Bank, Policy bazaar, Bank Bazaar, Apnapaisa, Rupeetalk