India NBFCs Sector Check – Digitize Or Die: Anand Rathi


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With the third highest unicorn in the world, capital is now shifting from payments to lending tech, insurtech and wealth-tech. Fintech space is likely to become $1 trillion assets under management by FY30.

We believe that the efficient utilisation of the Indian digital superhighway built on combination of Jan Dhan-Aadhaar-Mobile, flexible regulator and National Payments Corporation of India is driving a realistic increase in total addressable market in the retail and micro, small and medium enterprise credit space . We explain the structural changes in what we call the 3T model.

We believe lower tickets are catalysing financial diversification , with a whole set on self-employed professionals and non-professionals category becoming eligible. Banks/non-banking financial companies willing to experiment in the new-to-bank and underserved category will be able to tap the middle middle class and lower middle class more effectively

On account of easy access to short-term personal loan, buy now pay later, we assume that a 25 year old today will land up taking 15 loans over the his lifetime as against three-four earlier. Banks/NBFCs having customer ownership and have effective pay per clicks strategy will win here.

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