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A REPORT ON NON BANKING FINANCIAL COMPANY
GROUP NO 5
TUSHAR NANDI
TANMOY ROY
ANURADHA MAHATO
SUBRATA DEY
HIMADRI GHORAMI
RESHMI DUTT
1
A Non Banking Financial Company (NBFC) is a
company registered under the Companies Act,
1956 of India, engaged in the business of loans
and advances, acquisition of shares, stock, bond
share-purchase, insurance business, or chit
business
What is NBFC…
2
Development of sectors like Transport &
Infrastructure
Substantial employment generation
Help & increase wealth creation
Broad base economic development
Irreplaceable supplement to bank credit in rural
segments
Major thrust on semi-urban, rural areas & first time
buyers / users
To finance economically weaker sections
Huge contribution to the State exchequer
Contribution of NBFCs in the economy of India
3
POPULAR NBFCS IN INDIA :
4
Total outstanding credit by scheduled commercial
banks of India stood at Rs 72,606.11 billion (US$ 1.08
trillion)
The Association of Mutual Funds in India (AMFI)
data show that assets of the mutual fund industry
have reached a size of Rs14.21 trillion (US$ 210
billion)
During April 2015 to March 2016 period, the life
insurance industry recorded a new premium income
of Rs 1.38 trillion (US$ 20.54 billion), indicating a
growth rate of 22.5 per cent over the previous year.
Market Size of NBFC
5
India is the15 largest insurance market in the
world in terms of premium volume, and has the
potential to grow exponentially in the coming
years.
The general insurance industry recorded a 12
per cent growth year-on-year in Gross Direct
Premium underwritten in April 2016 at Rs105.25
billion (US$ 1.55 billion).
 Life insurance penetration in India is just 3.9 per
cent of GDP, more than doubled from 2000.
Investment corpus in India’s pension sector is
expected to cross US$ 1 trillion by 2025,.
Market Size of NBFC continue…
6
Bajaj Finserv Limited is the holding company for the
financial services businesses of the Bajaj Group.
Its insurance joint ventures with Allianz SE,
Germany namely Bajaj Allianz Life Insurance
Company Limited and Bajaj Allianz General
Insurance Company Limited are engaged in life and
general insurance business respectively.
7
Product Portfolio :
Durable Finance
Lifestyle Finance
Digital product Finance
Emi Card
Salaried Personal Loan
Loan against Fixed deposit
Extended Warranty
Gold Loan
Professional loan
Salaried home Loan
8
SME Finance –
E- commerce seller finance
Self Employed Home Loan
Self Employed Loan against property.
Gold Loan
Lease Rental Discounting
Business Loan
Loan against Shares
Professional shares
9
HDB Financial Services Limited, a non-banking
financial company, provides financing, collection,
and insurance services in India. The company
operates through Lending Business and BPO
Services segments. It offers unsecured loans,
including business and personal loans; loans
against properties, gold jewellery, securities, and
shares; loans for ESOPs; and enterprise business,
consumer durables, car, construction equipment,
and commercial vehicle loans. The company also
provides various life insurance products; and
general insurance products, such as motor, health,
critical illness, travel, home, and personal accident
insurance.
10
Product portfolio
11
LOAN:-
•Unsecured Loans (Personal Loans, Business Loans)
•Secured Loans (Loan against Property / Auto
Refinance)
•Commercial Vehicle Loans
•Loans against ESOP and Shares
•Loans against Securities (NSC / KVP / LIC)
•Loans against Mutual Funds
•Loans against Gold
Personal Accident Insurance:-
HDFC ERGO offers you a comprehensive accident
insurance - round-the-clock, round-the-year and round-
the-world. More than just accident insurance, it's an
investment in your family's future.
12
Health Suraksha:-
With Health Suraksha, you're provided an optimal
coverage for your treatments including all pre and
post hospitalization costs.
FIRE INSURANCE :-
HDB Fire Insurance is the basic fire insurance
cover for your flat. It is mandatory to purchase the
HDB Fire Insurance policy when you take up an
HDB housing loan.
Etiqa is the appointed insurer for the HDB Fire
Insurance Scheme, which was introduced to help
HDB flat owners protect their homes in the event of
fire.
•Over five decades of expertise in vehicle financing,
•Tata Motors Finance Ltd, is a subsidiary company of
Tata Motors Ltd. Established - 1957,
•They are engaged in financing entire range of Passenger
Cars & Commercial Vehicles manufactured by Tata
Motors Ltd.
13
Vehicle Insurance
Car finance and commercial vehicle finance
Product portfolio:
14
Muthoot Finance is established in the UK, the US,
and the United Arab Emirates.
While the company falls under the brand umbrella
of the Muthoot Group, its stocks are listed on the
Bombay Stock Exchange (BSE) and NSE. As of
March 2012, revenue (after expenditure) stood at
more than Rs. 23,000 cores ($4.2 billion).
The target market of Muthoot Finance includes
small businesses, vendors, farmers, traders, SME
business owners, and salaried individuals
15
Product portfolio
Money Transfers
Foreign Exchange
Housing Finance
Travel Jango
Gold Coins
Insurance
Muthoot Home Protector (MHP)
Complete Home Protection – All in One
Muthoot Life Guard (MLG)
ATM
16
Threats of new entrance(low):-
Licensing requirements of RBI for
NBFC are not stringent as
compared to bank
Intensity of
rivalry(high):-
1.Undifferentiated
services.
2.Marketing strategies:-
aggressive selling and
intensive marketing
strategies to gain the
market share
Bargaining
power of
consumers(high)
:-
1.Many
alternatives for
availing credits.
2.Large no of
NBFCs.
Bargaining
power of
suppliers(high):-
Suppliers have
many alternatives
to invest their
money
depending upon
risk appetite.
Threat of substitute(moderate):-
1.Banks are perfect substitute for
NBFCs.
2.Unorganized money lenders are a
big threat in rural areas.
PORTER 5 FORCES MODEL FOR NBFC
17
18
19

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Report on the role and market size of NBFCs in India

  • 1. A REPORT ON NON BANKING FINANCIAL COMPANY GROUP NO 5 TUSHAR NANDI TANMOY ROY ANURADHA MAHATO SUBRATA DEY HIMADRI GHORAMI RESHMI DUTT 1
  • 2. A Non Banking Financial Company (NBFC) is a company registered under the Companies Act, 1956 of India, engaged in the business of loans and advances, acquisition of shares, stock, bond share-purchase, insurance business, or chit business What is NBFC… 2
  • 3. Development of sectors like Transport & Infrastructure Substantial employment generation Help & increase wealth creation Broad base economic development Irreplaceable supplement to bank credit in rural segments Major thrust on semi-urban, rural areas & first time buyers / users To finance economically weaker sections Huge contribution to the State exchequer Contribution of NBFCs in the economy of India 3
  • 4. POPULAR NBFCS IN INDIA : 4
  • 5. Total outstanding credit by scheduled commercial banks of India stood at Rs 72,606.11 billion (US$ 1.08 trillion) The Association of Mutual Funds in India (AMFI) data show that assets of the mutual fund industry have reached a size of Rs14.21 trillion (US$ 210 billion) During April 2015 to March 2016 period, the life insurance industry recorded a new premium income of Rs 1.38 trillion (US$ 20.54 billion), indicating a growth rate of 22.5 per cent over the previous year. Market Size of NBFC 5
  • 6. India is the15 largest insurance market in the world in terms of premium volume, and has the potential to grow exponentially in the coming years. The general insurance industry recorded a 12 per cent growth year-on-year in Gross Direct Premium underwritten in April 2016 at Rs105.25 billion (US$ 1.55 billion).  Life insurance penetration in India is just 3.9 per cent of GDP, more than doubled from 2000. Investment corpus in India’s pension sector is expected to cross US$ 1 trillion by 2025,. Market Size of NBFC continue… 6
  • 7. Bajaj Finserv Limited is the holding company for the financial services businesses of the Bajaj Group. Its insurance joint ventures with Allianz SE, Germany namely Bajaj Allianz Life Insurance Company Limited and Bajaj Allianz General Insurance Company Limited are engaged in life and general insurance business respectively. 7
  • 8. Product Portfolio : Durable Finance Lifestyle Finance Digital product Finance Emi Card Salaried Personal Loan Loan against Fixed deposit Extended Warranty Gold Loan Professional loan Salaried home Loan 8
  • 9. SME Finance – E- commerce seller finance Self Employed Home Loan Self Employed Loan against property. Gold Loan Lease Rental Discounting Business Loan Loan against Shares Professional shares 9
  • 10. HDB Financial Services Limited, a non-banking financial company, provides financing, collection, and insurance services in India. The company operates through Lending Business and BPO Services segments. It offers unsecured loans, including business and personal loans; loans against properties, gold jewellery, securities, and shares; loans for ESOPs; and enterprise business, consumer durables, car, construction equipment, and commercial vehicle loans. The company also provides various life insurance products; and general insurance products, such as motor, health, critical illness, travel, home, and personal accident insurance. 10
  • 11. Product portfolio 11 LOAN:- •Unsecured Loans (Personal Loans, Business Loans) •Secured Loans (Loan against Property / Auto Refinance) •Commercial Vehicle Loans •Loans against ESOP and Shares •Loans against Securities (NSC / KVP / LIC) •Loans against Mutual Funds •Loans against Gold Personal Accident Insurance:- HDFC ERGO offers you a comprehensive accident insurance - round-the-clock, round-the-year and round- the-world. More than just accident insurance, it's an investment in your family's future.
  • 12. 12 Health Suraksha:- With Health Suraksha, you're provided an optimal coverage for your treatments including all pre and post hospitalization costs. FIRE INSURANCE :- HDB Fire Insurance is the basic fire insurance cover for your flat. It is mandatory to purchase the HDB Fire Insurance policy when you take up an HDB housing loan. Etiqa is the appointed insurer for the HDB Fire Insurance Scheme, which was introduced to help HDB flat owners protect their homes in the event of fire.
  • 13. •Over five decades of expertise in vehicle financing, •Tata Motors Finance Ltd, is a subsidiary company of Tata Motors Ltd. Established - 1957, •They are engaged in financing entire range of Passenger Cars & Commercial Vehicles manufactured by Tata Motors Ltd. 13
  • 14. Vehicle Insurance Car finance and commercial vehicle finance Product portfolio: 14
  • 15. Muthoot Finance is established in the UK, the US, and the United Arab Emirates. While the company falls under the brand umbrella of the Muthoot Group, its stocks are listed on the Bombay Stock Exchange (BSE) and NSE. As of March 2012, revenue (after expenditure) stood at more than Rs. 23,000 cores ($4.2 billion). The target market of Muthoot Finance includes small businesses, vendors, farmers, traders, SME business owners, and salaried individuals 15
  • 16. Product portfolio Money Transfers Foreign Exchange Housing Finance Travel Jango Gold Coins Insurance Muthoot Home Protector (MHP) Complete Home Protection – All in One Muthoot Life Guard (MLG) ATM 16
  • 17. Threats of new entrance(low):- Licensing requirements of RBI for NBFC are not stringent as compared to bank Intensity of rivalry(high):- 1.Undifferentiated services. 2.Marketing strategies:- aggressive selling and intensive marketing strategies to gain the market share Bargaining power of consumers(high) :- 1.Many alternatives for availing credits. 2.Large no of NBFCs. Bargaining power of suppliers(high):- Suppliers have many alternatives to invest their money depending upon risk appetite. Threat of substitute(moderate):- 1.Banks are perfect substitute for NBFCs. 2.Unorganized money lenders are a big threat in rural areas. PORTER 5 FORCES MODEL FOR NBFC 17
  • 18. 18
  • 19. 19