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NBFC Report

Balancing Credit Growth with Profitability and Asset Quality Monitoring

NBFC credit growth to experience short-term volatility, but robust fundamentals and credit demand will drive growth. Retail segments will remain a key driver, although unsecured lending to moderate from its peak in fiscal 2024.

Consolidation and corporate activities indicate a buoyant NBFC space, but with caution. Concerns about unsecured consumer credit continued during the current fiscal and are expected to impact the asset quality.

The interplay between bank and capital market borrowings will evolve with anticipated RBI interest-rate cuts.

The NBFC Report 2024-25 provides insights into the changing NBFC landscape. It contains Crisil Intelligence’s perspective on the growth prospects, competitive scenario and attractiveness in 13 segments where NBFCs operate.

 

Our detailed report answers the following questions, and more

 

 

  • How will the increasing credit to deposit to gap for banks impact the funding mix for NBFCs / HFCs?
  • How is RBI cautions on unsecured lending impacting credit growth?
  • Which are the key segments driving growth for next fiscal and do we see any moderation?
  • How do key macro variables impact credit growth and other business metrics?
  • Will the retail segment’s performance continue to outpace that of wholesale?
  • How do unsecured and secured retail portfolios differ in growth?
  • Is there impact on asset quality post a healthy double-digit credit growth over last few fiscals?
  • What are the trends in the stage wise loans movement for key retail segments?
  • Are non-banking finance companies (NBFCs) increasingly relying on bank financing vis-à-vis other financing sources?
  • What is the shift seen in securitisation volumes post consolidation in the non-banking space?
  • How are NBFCs leveraged for future growth?

 

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