Investor Presentaiton
Emphasis on diversification across the NBFC sector
NBFCs diversifying funding resources, product portfolio (sectors) and service models
Recent Trends
Resource diversification
Steady increase in NCD issuances
Diversification from heavy
dependence on bank borrowings
Issuance of NCDs by NBFCs almost
doubled in FY23 and surpassed the
FY20 levels
Within NBFCs, retail focused
NBFCs and Infrastructure
financiers saw healthy growth in
NCD issuances
Securitisation volumes zoomed to
Rs 1.8 Tn in FY23 on account of
increase in funding requirement to
meet the demand
Product portfolio diversification
Addition of newer products to drive
growth
Several NBFCs and HFCs are
diversifying the product portfolio
or adding new products that could
drive growth
> NBFCs are focusing on under
penetrated segments like
affordable housing, small business
loans and used vehicles
Deep-dive on next page
Diversified service models
Breaking traditional grid-locks with aid
from fintechs
Platform Model: Partnerships with
fintechs to offer loan products on
their platform:
For platforms-NBFC expertise
in risk assessment, credit
scoring, compliance, etc.
For NBFCS-platform
resources, customer base,
newer revenue streams
Enabler model: fintech provides
technology solutions to NBFCs
-cost reduction, improve
efficiency and productivity
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