Investor Presentaiton
India's household debt mix is forecasted to remain BAJAJ FINANCE LIMITED
steady. Leaving aside Agri (16%), BFL will offer a full product suite for
customers by FY25
1%
1%
1%
1%
1%
2%
2%
2%
2%
2%
5%
5%
5%
4%
4%
4%
4%
2%
3%
2%
2%
2%
6%
5%
5%
3%
3%
3%
3%
3%
3%
3%
3%
3%
5%
3%
3%
3%
3%
4%
4%
7%
7%
7%
7%
7%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
8%
I
6%
6%
6%
6%
6%
6%
6%
I
11%
11%
11%
11%
11%
11%
8%
9%
9%
22%
23%
23%
24%
24%
21%
21%
16%
16%
16%
16%
16%
16%
18%
18%
17%
I
I
4%
4%
4%
4%
4%
4%
I
I
21%
18%
18%
16%
16%
19%
19%
16%
18%
18%
I
21%
21%
21%
21%
21%
21%
4%
4%
4%
4%
6%
4%
4%
4%
6%
6%
31%
32%
32%
34%
34%
34%
34%
34%
31%
32%
33%
33%
33%
33%
33%
33%
I
I
I
FY13
FY14
FY15
FY16
FY17
FY18
FY19 FY20 FY21
FY22
FY23* ¦ FY24(E) FY25(E) FY26(E) FY27(E)¦ FY28(E)
Mortgages ■BL/SME Others (Overdraft*, LAFD, LAS, Edu+) Agri PL Auto CV Gold Credit Card
*FY23 onwards, BL and Overdraft are merged into SME category which is 21%. Due to this, 'Others' category which is LAS and Education has dropped to 4%
Source: RBI Statistical tables & Published segment information of 35 Banks & 24 NBFC's
Note: The above graph is prepared and meant for internal consumption only
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