印度摩托車融資市場：增長機會

數字化和電動摩托車（2W）的快速普及有望推動轉型的增長。

在 COVID-19 大流行之前，印度的摩托車 (2W) 貸款市場已顯著增長，因為摩托車 (2W) 的採用增長率正在上升。雖然原產地價值和數量從 2017 年到 2020 年穩步增長，但大流行對 2021 年摩托車（2W）市場的銷售產生了負面影響，並阻礙了市場發展。兩輪車 (2W) 貸款市場早於 COVID-19，因為電動 (e2W) 市場自 2021 年以來已經擴大，大多數銀行和非銀行金融公司 (NBFC) 已開始向電動汽車 (EV) 消費者提供貸款。有望恢復到水平。

本報告調查了印度的摩托車貸款市場，並提供了有關增長機會、市場概況等方面的信息。

目錄

戰略要求

• 為什麼增長變得更加困難
• 戰略要務 8 (TM)
• 印度摩托車 (2W) 貸款的三大戰略要求的影響
• 增長機會推動增長管道引擎 (TM)

增長機會分析：印度的 2W 貸款市場

• 印度 2W 市場情景
• 印度 e2W 市場情景

印度 2W 貸款市場概況

• 印度 2W 貸款市場
• 印度的 2W 貸款市場：按債權人分類
• 印度的 2W 貸款市場：按票面大小

競爭形勢

• 印度 2W 貸款市場初創企業
• 印度 e2W 初創企業與貸方之間的合作
• 印度 2W 貸方的比較分析
• Shriram City Union Finance Ltd.
• Hero FinCorp Ltd.
• Bajaj 金融有限公司
• 聯通金融控股有限公司
• Mahindra & Mahindra Financial Services Limited
• ICICI 銀行
• SBI 銀行
• HHDFC 銀行

影響印度 2W 借貸市場的主要趨勢

• 趨勢一：數字普惠金融影響2W借貸
• 趨勢 2：印度電子商務市場快速增長
• 趨勢 3：推出提供多種融資選擇的新金融科技平台

增長機會宇宙：印度的 2W 貸款市場

• 增長機會一：數字化支持2W貸款
• 增長機會 2：加速 2W 貸款領域的 2W 採用初創企業
• 增長機會 3：合作為消費者提供有吸引力的貸款選擇
• 展品清單
• 免責聲明

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