Investor Presentaiton
Recent Trends
Several NBFCs and HFCs are diversifying or adding new products to drive growth
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גפן
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Company name
Bajaj
Finance
CIFC
MMFS
Piramal
Enterprise
PNB HF
LTFH
Existing segments
Diversified with presence in 2W/32,
consumer, PL, LAP, mortgage and
commercial finance
Vehicle finance, housing loan
and SME
Vehicle finance mainly in ties
3+ markets
Wholesale/Home Loan (acquired
from DHFL)
Mortgage/wholesale
Farm eqpt, MFI loans, mortgages,
SME and wholesale
New segments
Further diversifying by entering new segments like LAP for SME, auto loan
(non-captive), MFI, tractor financing and emerging corporate loans
Further diversifying loan book with personal and professional loans, small
enterprise loans and SME loans (expanding product categories)
Getting into new segments such as SME, LAP, leasing and unsecured PL.
Also, expanding the customer segment to include more affluent rural/
semi-urban customers
Diversified into Home loan post-acquisition from DHFL. Diversifying by
launching products such as large business loans, unsecured business loan,
used car, salaried personal loan and MFI
Have started focusing on affordable housing and targeting salaried
customer especially government employees
Got into consumer loans, SME finance in in last few years; launched new
products like rural LAP, agri-allied loan and rural household business loans
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