WWRR Vol.2.017

Mar-14
Mar-15
Mar-16
Mar-17
Mar-18
Sep-18
Mar-14
Mar-15
Mar-16
Mar-17
Mar-18
Sep-18
in Rs. billion
In Rs. billion
Gold loan and 2-Wheelers
Exhibit 22 : AUM movement of Gold loan Segment
700
20%
Exhibit 23 : AUM movement of 2-Wheeler Segment
350
40%
600
15%
300
35%
500
400
300
200
100
10%
5%
0%
-5%
-10%
-15%
250
200
150
100
50
30%
25%
20%
15%
10%
5%
0
-20%
0
0%
Managed Advances
Source: ICRA Research, NBFCs, Investor presentations
% Growth
Managed Advances
❖ Gold loans by Retail-NBFCs stood at about Rs. 650 billion as on September 30, 2018, registering a YoY growth of 15%
% Growth
❖ Entities faced with competing products- unsecured SME credit, microfinance and, from new players in the NBFC space and, SFBs ; growth of about 9-
11% in FY2019 envisaged, in view of the prevailing liquidity conditions.
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❖ 2-Wheeler segment to faced headwinds on sales because of hike in insurance premiums , increase in interest rates and expected moderation in rural
demand ; sales growth estimated to be 8-10% in FY2019 vis a vis 14.8% growth registered in FY 2018
❖ Rs. 325 billion 2-wheeler portfolio of NBFCs grew by 37% (YoY) in September 2018, on a low base; growth estimated at 26-28% for FY2019
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