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Retail-NBFC Credit Break-up- Share of unsecured personal credit increased<br />
Exhibit 3 : September 2016 Rs. 5.7 trillion September 2018 Rs 8.3 trillion<br />
Commercial<br />
Vehicle, 22%<br />
Passenger<br />
Vehicle, 16%<br />
Personal<br />
Credit, 7%<br />
Gold Loans,<br />
10%<br />
Microfinance,<br />
6%<br />
Constuction<br />
Equipment, 5%<br />
Tractor, 5%<br />
2/3- Wheeler,<br />
3%<br />
Others, 1%<br />
Passenger<br />
Vehicle, 14%<br />
Commercial<br />
Vehicle, 22%<br />
Personal<br />
Credit, 9%<br />
Gold Loans<br />
, 8% Microfinance,<br />
8%<br />
Constuction<br />
Equipment, 5%<br />
Tractor, 4%<br />
2/3- Wheeler,<br />
4%<br />
Others, 2%<br />
LAP+SME, 25%<br />
LAP+SME, 25%<br />
Source: ICRA Research; Company/ Company Investor presentations<br />
❖ Retail-NBFC credit stood at Rs. 8.3 trillion; accounts for ~ 45% of the total estimated NBFC credit (~ Rs. 19 trillion); NBFCs losing share in competitive<br />
asset segments, like new commercial vehicle, passenger vehicle etc to banks.<br />
❖ NBFCs continues to focus on LAP+SME credit, to diversify lending mix and to ward-off competitive pressures; focus on lower ticket lending (
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