PUBLISHER: Blueweave Consulting | PRODUCT CODE: 1539229
PUBLISHER: Blueweave Consulting | PRODUCT CODE: 1539229
India Peer to Peer Lending Market, By Business Model; By Loan Type; By End User; By Region, Trend Analysis, Competitive Landscape & Forecast, 2019-2030
India Peer to Peer (P2P) Lending Market Value Zooming 2.9X to Surpass USD 23 Billion by 2030
India Peer to Peer (P2P) Lending Market is flourishing due to the expanding financial ecosystem, compelling investment opportunities, and reduced borrowing costs.
BlueWeave Consulting, a leading strategic consulting and market research firm, in its recent study, estimated India Peer to Peer (P2P) Lending Market size by value at USD 8.01 billion in 2023. During the forecast period between 2024 and 2030, BlueWeave expects India Peer to Peer (P2P) Lending Market size to expand at a CAGR of 18.5% reaching a value of USD 23.14 billion by 2030. The Peer to Peer (P2P) Lending Market in India is propelled by enhanced transparency, the seamless integration of blockchain and smart contract technologies, and the government's robust push towards a cashless economy. This confluence of factors is disrupting the traditional banking landscape and propelling platform-based lending to new heights. As the regulatory framework for P2P lending matures, it is increasingly attracting risk-averse investors seeking alternative investment avenues.
Opportunity - Changing consumer preferences
The evolving consumer preferences in India present a significant opportunity for the players in Peer to Peer (P2P) Lending Market. As digital financial services gain traction, driven by the proliferation of smartphones and internet access, Indian borrowers and lenders are increasingly turning to P2P platforms for their lending and borrowing needs. This shift is fueled by the convenience and accessibility of online platforms, which eliminate geographical barriers and facilitate seamless transactions. The young and tech-savvy demographic, with a median age below 30, is particularly inclined towards these digital solutions, leveraging P2P lending as a viable investment option and a means to address personal financial needs. The growing urbanization and higher financial literacy in urban areas further bolster this trend, making P2P lending an attractive and adaptable solution for a diverse range of users. Consequently, the alignment of P2P platforms with changing consumer preferences offers substantial growth potential, driving the market's expansion and innovation.
North India Dominates India Peer to Peer (P2P) Lending Market
North India's P2P lending landscape offers a compelling proposition for both borrowers and investors. Individuals and small businesses, often underserved by traditional banking, can access credit more readily through competitive interest rates. For investors, P2P lending presents an avenue for potentially higher returns than traditional fixed-income options. By diversifying across various loan products, investors can tailor their portfolios to risk appetite while leveraging platform tools for risk management. The streamlined online application process accelerates loan disbursement compared to traditional bank lending, providing borrowers with swift access to funds.
Impact of Escalating Geopolitical Tensions on India Peer to Peer (P2P) Lending Market
India Peer to Peer (P2P) Lending Market may face significant challenges from intensifying geopolitical tensions across the world. Heightened political uncertainties can lead to economic instability, causing fluctuations in currency values, interest rates, and investor confidence. Such instability may deter both domestic and international investors from participating in P2P lending, as the perceived risks increase. Additionally, strained international relations could disrupt cross-border financial flows and technology partnerships, further complicating market dynamics. As a result, the P2P lending market in India may experience slowed growth, reduced liquidity, and heightened caution among stakeholders, potentially limiting its ability to meet the credit needs of borrowers.
Competitive Landscape
India Peer to Peer (P2P) Lending Market is fragmented, with numerous players serving the market. The key players dominating India Peer to Peer (P2P) Lending Market include Faircent, LenDenClub, Lendbox, Cred Mint, Finzy, Mobikwik Xtra, iLend, Fello, and i2i Funding. The key marketing strategies adopted by the players are facility expansion, product diversification, alliances, collaborations, partnerships, and acquisitions to expand their customer reach and gain a competitive edge in the overall market.
The report's in-depth analysis provides information about growth potential, upcoming trends, and India Peer to Peer (P2P) Lending Market statistics. It also highlights the factors driving forecasts of total market size. The report promises to provide recent technology trends in India Peer to Peer (P2P) Lending Market along with industry insights to help decision-makers make sound strategic decisions. Furthermore, the report also analyses the growth drivers, challenges, and competitive dynamics of the market.
Table of Contents
1. Research Framework
- 1.1. Research Objective
- 1.2. Product Overview
- 1.3. Market Segmentation
2. Executive Summary
3. India Peer to Peer (P2P) Lending Market Insights
- 3.1. Industry Value Chain Analysis
- 3.2. DROC Analysis
- 3.2.1. Growth Drivers
- 3.2.1.1. Financial Inclusion
- 3.2.1.2. Attractive Returns for Investors
- 3.2.1.3. Lower Costs for Borrowers
- 3.2.2. Restraints
- 3.2.2.1. Liquidity Risk
- 3.2.2.2. Lack of Investor Education
- 3.2.3. Opportunities
- 3.2.3.1. Changing Consumer Preferences
- 3.2.3.2. Regulatory Support
- 3.2.4. Challenges
- 3.2.4.1. Competition from Traditional Lenders
- 3.2.4.2. Credit Risk
- 3.2.1. Growth Drivers
- 3.3. Technological Advancements/Recent Developments
- 3.4. Regulatory Framework
- 3.5. Porter's Five Forces Analysis
- 3.5.1. Bargaining Power of Suppliers
- 3.5.2. Bargaining Power of Buyers
- 3.5.3. Threat of New Entrants
- 3.5.4. Threat of Substitutes
- 3.5.5. Intensity of Rivalry
4. India Peer to Peer (P2P) Lending Market: Marketing Strategies
5. India Peer to Peer (P2P) Lending Market: Pricing Analysis
6. India Peer to Peer (P2P) Lending Market Overview
- 6.1. Market Size & Forecast, 2019-2030
- 6.1.1. By Value (USD Billion)
- 6.2. Market Share & Forecast
- 6.2.1. By Business Model
- 6.2.1.1. Traditional Lending
- 6.2.1.2. Alternate Marketplace Lending
- 6.2.2. By Loan Type
- 6.2.2.1. Consumer Credit Loans
- 6.2.2.2. Small Business Loans
- 6.2.2.3. Student Loans
- 6.2.2.4. Real Estate Loans
- 6.2.3. By End User
- 6.2.3.1. Business
- 6.2.3.2. Personal
- 6.2.4. By Region
- 6.2.4.1. North India
- 6.2.4.2. South India
- 6.2.4.3. East India
- 6.2.4.4. West India
- 6.2.1. By Business Model
7. North India Peer to Peer (P2P) Lending Market
- 7.1. Market Size & Forecast, 2019-2030
- 7.1.1. By Value (USD Billion)
- 7.2. Market Share & Forecast
- 7.2.1. By Business Model
- 7.2.2. By Loan Type
- 7.2.3. By End User
8. South India Peer to Peer (P2P) Lending Market
- 8.1. Market Size & Forecast, 2019-2030
- 8.1.1. By Value (USD Billion)
- 8.2. Market Share & Forecast
- 8.2.1. By Business Model
- 8.2.2. By Loan Type
- 8.2.3. By End User
9. East India Peer to Peer (P2P) Lending Market
- 9.1. Market Size & Forecast, 2019-2030
- 9.1.1. By Value (USD Billion)
- 9.2. Market Share & Forecast
- 9.2.1. By Business Model
- 9.2.2. By Loan Type
- 9.2.3. By End User
10. West India Peer to Peer (P2P) Lending Market
- 10.1. Market Size & Forecast, 2019-2030
- 10.1.1. By Value (USD Billion)
- 10.2. Market Share & Forecast
- 10.2.1. By Business Model
- 10.2.2. By Loan Type
- 10.2.3. By End User
11. Competitive Landscape
- 11.1. List of Key Players and Their Offerings
- 11.2. India Peer to Peer (P2P) Lending Company Market Share Analysis, 2023
- 11.3. Competitive Benchmarking, By Operating Parameters
- 11.4. Key Strategic Developments (Mergers, Acquisitions, Partnerships, etc.)
12. Impact of Escalating Geopolitical Tensions on India Peer to Peer (P2P) Lending Market
13. Company Profiles (Company Overview, Financial Matrix, Competitive Landscape, Key Personnel, Key Competitors, Contact Address, Strategic Outlook, and SWOT Analysis)
- 13.1. Faircent
- 13.2. LenDenClub
- 13.3. Lendbox
- 13.4. Cred Mint
- 13.5. Finzy
- 13.6. Mobikwik Xtra
- 13.7. iLend
- 13.8. Fello
- 13.9. i2i Funding
- 13.10. Other Prominent Players
14. Key Strategic Recommendations
15. Research Methodology
- 15.1. Qualitative Research
- 15.1.1. Primary & Secondary Research
- 15.2. Quantitative Research
- 15.3. Market Breakdown & Data Triangulation
- 15.3.1. Secondary Research
- 15.3.2. Primary Research
- 15.4. Breakdown of Primary Research Respondents, By Region
- 15.5. Assumptions & Limitations
*Financial information of non-listed companies can be provided as per availability.
**The segmentation and the companies are subject to modifications based on in-depth secondary research for the final deliverable.
List of Figures
- Figure 1 India Peer to Peer (P2P) Lending Segmentation
- Figure 2 India Peer to Peer (P2P) Lending Market Value Chain Analysis
- Figure 3 Company Market Share Analysis, 2023
- Figure 4 India Peer to Peer (P2P) Lending Market Size, By Value (USD Billion), 2019-2030
- Figure 5 India Peer to Peer (P2P) Lending Market Share, By Business Model , By Value, 2019-2030
- Figure 6 India Peer to Peer (P2P) Lending Market Share, By Loan Type, By Value, 2019-2030
- Figure 7 India Peer to Peer (P2P) Lending Market Share, By End User, By Value, 2019-2030
- Figure 8 North India Peer to Peer (P2P) Lending Market Size, By Value (USD Billion), 2019-2030
- Figure 9 North India Peer to Peer (P2P) Lending Market Share, By Business Model , By Value, 2019-2030
- Figure 10 North India Peer to Peer (P2P) Lending Market Share, By Loan Type, By Value, 2019-2030
- Figure 11 North India Peer to Peer (P2P) Lending Market Share, By End User, By Value, 2019-2030
- Figure 12 South India Peer to Peer (P2P) Lending Market Size, By Value (USD Billion), 2019-2030
- Figure 13 South India Peer to Peer (P2P) Lending Market Share, By Business Model , By Value, 2019-2030
- Figure 14 South India Peer to Peer (P2P) Lending Market Share, By Loan Type, By Value, 2019-2030
- Figure 15 South India Peer to Peer (P2P) Lending Market Share, By End User, By Value, 2019-2030
- Figure 16 East India Peer to Peer (P2P) Lending Market Size, By Value (USD Billion), 2019-2030
- Figure 17 East India Peer to Peer (P2P) Lending Market Share, By Business Model , By Value, 2019-2030
- Figure 18 East India Peer to Peer (P2P) Lending Market Share, By Loan Type, By Value, 2019-2030
- Figure 19 East India Peer to Peer (P2P) Lending Market Share, By End User, By Value, 2019-2030
- Figure 20 West India Peer to Peer (P2P) Lending Market Size, By Value (USD Billion), 2019-2030
- Figure 21 West India Peer to Peer (P2P) Lending Market Share, By Business Model , By Value, 2019-2030
- Figure 22 West India Peer to Peer (P2P) Lending Market Share, By Loan Type, By Value, 2019-2030
- Figure 23 West India Peer to Peer (P2P) Lending Market Share, By End User, By Value, 2019-2030
List of Tables
- Table 1 India Peer to Peer (P2P) Lending Market Size, By Value (USD Billion), 2019-2030
- Table 2 India Peer to Peer (P2P) Lending Market Size, By Business Model , By Value, 2019-2030
- Table 3 India Peer to Peer (P2P) Lending Market Size, By Loan Type, By Value, 2019-2030
- Table 4 India Peer to Peer (P2P) Lending Market Size, By End User, By Value, 2019-2030
- Table 5 North India Peer to Peer (P2P) Lending Market Size, By Value (USD Billion), 2019-2030
- Table 6 North India Peer to Peer (P2P) Lending Market Size, By Business Model , By Value, 2019-2030
- Table 7 North India Peer to Peer (P2P) Lending Market Size, By Loan Type, By Value, 2019-2030
- Table 8 North India Peer to Peer (P2P) Lending Market Size, By End User, By Value, 2019-2030
- Table 9 South India Peer to Peer (P2P) Lending Market Size, By Value (USD Billion), 2019-2030
- Table 10 South India Peer to Peer (P2P) Lending Market Size, By Business Model , By Value, 2019-2030
- Table 11 South India Peer to Peer (P2P) Lending Market Size, By Loan Type, By Value, 2019-2030
- Table 12 South India Peer to Peer (P2P) Lending Market Size, By End User, By Value, 2019-2030
- Table 13 East India Peer to Peer (P2P) Lending Market Size, By Value (USD Billion), 2019-2030
- Table 14 East India Peer to Peer (P2P) Lending Market Size, By Business Model , By Value, 2019-2030
- Table 15 East India Peer to Peer (P2P) Lending Market Size, By Loan Type, By Value, 2019-2030
- Table 16 East India Peer to Peer (P2P) Lending Market Size, By End User, By Value, 2019-2030
- Table 17 West India Peer to Peer (P2P) Lending Market Size, By Value (USD Billion), 2019-2030
- Table 18 West India Peer to Peer (P2P) Lending Market Size, By Business Model , By Value, 2019-2030
- Table 19 West India Peer to Peer (P2P) Lending Market Size, By Loan Type, By Value, 2019-2030
- Table 20 West India Peer to Peer (P2P) Lending Market Size, By End User, By Value, 2019-2030
- Table 21 Faircent Company Overview
- Table 22 Faircent Financial Overview
- Table 23 LenDenClub Company Overview
- Table 24 LenDenClub Financial Overview
- Table 25 Lendbox Company Overview
- Table 26 Lendbox Financial Overview
- Table 27 Cred Mint Company Overview
- Table 28 Cred Mint Financial Overview
- Table 29 Finzy Company Overview
- Table 30 Finzy Financial Overview
- Table 31 Mobikwik Xtra Company Overview
- Table 32 Mobikwik Xtra Financial Overview
- Table 33 iLend Company Overview
- Table 34 iLend Financial Overview
- Table 35 Fello Company Overview
- Table 36 Fello Financial Overview
- Table 37 i2i Funding Company Overview
- Table 38 i2i Funding Financial Overview
