二輪車向け融資のインド市場：成長機会

デジタル化と電動二輪車（2W）の急速な普及が変革の成長を牽引すると期待されています。

インドの二輪車（2W）向け融資市場は、COVID-19のパンデミック以前は、二輪車（2W）の採用成長率が上昇傾向にあったため、大きな成長を遂げました。2017年度から2020年度にかけて、オリジネーションの価値と量は順調に増加しましたが、パンデミックは2021年度の二輪車（2W）市場の売上にマイナスの影響を与え、同市場を阻害しました。2021年度以降、電動（e2W）市場が拡大し、ほとんどの銀行と非銀行金融企業（NBFC）が電気自動車（EV）消費者への融資を開始したため、二輪車（2W）融資市場はCOVID-19以前の水準に戻る方向と予想されています。

当レポートでは、インドの二輪車向け融資市場について調査し、成長機会、市場概要などの情報を提供しています。

目次

戦略的必須要件

• 成長がますます困難になる理由
• Strategic Imperative 8（TM）
• インドの二輪車（2W）向け融資に対する上位3つの戦略的必須要件の影響
• 成長機会が成長パイプラインエンジン（TM）を促進

成長機会分析：インドの2W向け融資市場

• インドの2W市場シナリオ
• インドのe2W市場シナリオ

インドの2W向け融資市場概要

• インドの2W向け融資市場
• インドの2W向け融資市場：貸し手別
• インドの2W向け融資市場：チケットサイズ別

競合情勢

• インドの2W向け融資市場の新興企業
• インドのe2Wスタートアップ企業と融資企業間のコラボレーション
• インドの2W向け融資事業者の比較分析
• Shriram City Union Finance Ltd.
• Hero FinCorp Ltd.
• Bajaj Finance Limited
• L&T Finance Holdings Limited
• Mahindra & Mahindra Financial Services Limited
• ICICI銀行
• SBI銀行
• HHDFC銀行

インドの2W向け融資市場に影響を与える主な動向

• 動向1：2W向け融資に影響を与えるデジタル金融包摂
• 動向2：インドで急成長するeコマース市場
• 動向3：複数の資金調達オプションを提供する新しいフィンテックプラットフォームの登場

成長機会ユニバース：インドの2W向け融資市場

• 成長機会1：デジタル化は2W向け融資を支援
• 成長機会2：2Wの採用を加速させる2W向け融資分野における新興企業の混乱
• 成長機会3：消費者に魅力的な融資オプションを提供するためのコラボレーション
• 展示物リスト
• 免責事項

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