Profitability & Capital Adequacy Presentation
Section 4: Market Opportunity
Market Opportunity (Retail, Rural & SME Loans)
Personal credit in India has grown by 15-20% in the last 5 years. Personal Credit to GDP in India is only 19% which has significant room for growth
going forward along with rural finance and small business credit. Retail credit refers to credit availed for personal use like home loans, vehicle loans,
personal loans etc.
Projected Growth of Bank Credit to Personal and Small Business Segment (Rs. Lac crore)
1,288.8
86.0
16% CAGR
15% CAGR
15x growth (20 Years)
13% CAGR
14% CAGR
FY23 FY24 FY25 FY26
FY27 FY28 FY29 FY30 FY31 FY32
FY33
FY34 FY35
FY36 FY37 FY38
FY39
FY40 FY41
FY42
FY43
Source: RBI data on sectoral credit deployment, Internal Estimate, CIBIL Bureau data
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