A U T O F I N A N C E I N I N D I A2
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The document discusses the evolution and growth of the automobile industry in India from the initial years to recent times. It covers trends in different vehicle segments, key players, financing options available through banks and non-banking financial companies, and factors influencing demand for automobiles. The types of financing schemes available for car purchases are also summarized.
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- THAI has seen its share price increase 180% year-to-date, likely explaining why analysts have become most negative on the airline. THAI is also expected to return to profitability in 2016 after three consecutive years of losses.
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India Automobiles Sector Report April 2014
For leading industry jobs, please visit www.iimjobs.com
India Automobiles Sector Report April 2014
India represents one of the world’s largest automobile industries. Easy availability of finance and rising income levels are encouraging the middle class population to upgrade their two wheelers to a car. Besides, the growing organised used car market has also been a positive growth factor in the used car market of the country. Driven by the above factors, the used cars market is anticipated to grow at a compound annual growth rate (CAGR) of 16 per cent during 2013–17, highlighted the RNCOS report titled, ‘Booming Used Car Market in India Outlook 2017’.
India is quietly becoming a production hub of high-end vehicles meant for export to China. The US-based motorbike maker Harley Davidson, Austrian motorcycle manufacturer KTM and Mahindra & Mahindra have also preferred to set up manufacturing facilities in India than in the relatively low-cost China and export the output.
Furthermore, India is set to become Mercedes Benz’s fastest-growing market worldwide ahead of China, the US and Europe, according to internal projections. We expect growth rates to be the fastest in India globally, and expect sales to move up by 10 per cent over the next five years or so, as per Mr Matthias Luhrs, Vice-President (Global Sales), Mercedes Benz Cars.
Automobiles production increased at a compound annual growth rate (CAGR) of 12.2 per cent over FY05-13, while the export volumes increased at a CAGR of 19.1 per cent.
Strong demand growth due to rising incomes, growing middle class, and the young population is likely to propel India among the world's top five auto-producers by 2015.
India has significant cost advantages; auto firms save 10-25 per cent on operations in India as compared to Europe and Latin America. A large pool of skilled manpower and a growing technology base are some of the leading factors.
The government aims to develop India as a global manufacturing as well as research and development (R&D) hub. There has been a wide array of policy support in the form of sops, taxes and FDI encouragement. Under the Union Budget 2013-14, the government has also proposed to allocate US$ 2.7 billion for Jawaharlal Nehru National Urban Renewal Mission (JNNURM) to bolster sales volumes of Medium and Heavy Commercial Vehicles (MHCV).
The world's cheapest car (Tata Nano) has directed focus towards the low-income market. Bajaj Auto, Hero Honda and Mahindra & Mahindra (M&M) jointly plan to develop a technology for two-wheelers to run on natural gas. Electric cars are likely to be a sizeable market segment in the coming decade.
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The document discusses working capital, which represents a business's liquidity and ability to meet short-term debts and expenses. It defines working capital's key components and importance, outlines formulas for calculating optimal levels, and financing options. It then analyzes an Indian steel manufacturer's working capital cycle, current ratio, inventory levels, and compares it to peers. Recommendations include increasing creditors cycles, exploring factoring, and utilizing export financing options to improve liquidity.
Working capital management
The study analyzed the impact of working capital management on the profitability of 58 small manufacturing firms in Mauritius over the period of 1998-2003. The results showed that return on total assets, a measure of profitability, was positively correlated with measures of working capital management efficiency like accounts receivable days and cash conversion cycle. However, it was negatively correlated with accounts payable days. The paper concluded that synchronizing current assets and liabilities is important for small firm profitability and the paper industry showed best practices in working capital management.
WORKING CAPITAL MANAGEMENT
Working capital refers to the capital required for financing short-term assets such as cash, inventory, and accounts receivable. It is also known as revolving or circulating capital. There are different types of working capital like gross working capital, net working capital, permanent working capital, and temporary working capital. Management of working capital involves maintaining optimal levels of current assets and current liabilities to ensure sufficient liquidity and an efficient balance between risk and profitability.
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Mahindra Automotive presented a final project on the automotive industry in India. The key points covered include:
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一比一原版新西兰奥塔哥大学毕业证（otago毕业证）如何办理
一模一样【微信：A575476】【新西兰奥塔哥大学毕业证（otago毕业证）成绩单Offer】【微信：A575476】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
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A U T O F I N A N C E I N I N D I A2
- 3. AUTOMOBILE 2 WHEELER 3 WHEELER PASSENGER VEHICLE COMMERCIAL VEHICLE MOTORCYCLE SCOOTERS SCOOTERETTES MOPEDS I.C.V. M.C.V. H.C.V.
- 7. The Key Players… Two wheeler Passenger vehicle Bajaj Auto, Piaggio India Three Wheeler Hero Honda, Bajaj Auto, Honda Motors, TVS Motors, Yamaha , Kinetic Motors Two Wheeler TATA Motors, Maruti Udyog, Honda Motors, Toyata, Skoda, Mahindra & Mahindra, Daimler Chrysler, Hindustan Motors Passenger vehicle TATA Motors, Ashok Leyland, Swaraj Mazda,Mahindra & Mahindra ,Force motors, Eicher Motors Commercial vehicles
- 14. Comparison Less EMI’s, high EMI amt. More EMI’s, lower EMI amt. Result 30 36 EMI’s left Rs.91800 (6 EMI’s) Rs.1 lakh Upfront payment Rs.15300 Rs.12240 EMI 0 Rs.1 lakh Down payment (20%) Rs.5 lakh Rs.4 lakh Amount Advance Installment Margin money
- 18. Comparison of banks (new cars) Repayment periods from 1 to 5 years Finance upto 90% of car value, min amt Rs.50000 ABN AMRO Repayment periods from 1 to 5 years Finance upto 90% of car value Standard Chartered Repayment periods from 1 to 5 years Finance upto 90% of car value Citibank Repayment periods from 1 to 7 years Finance upto 90% of car value, min amt Rs.50000 HDFC Max period of 5 years Finance upto 85% of car value, min amt Rs.100000 Axis Max 7 yrs for salaried, 5 yrs for self employed & professionals No ceiling on loan amt for new cars, max 15 lacs for used cars SBI Repayment periods from 1 to 7 years Finance upto 95% of car value, min amt Rs.100000 ICICI Tenure Amount Bank
- 19. Interest & EMI’s 2155 3246 11-12.5% ABN Amro 2200 3150 11-12.5% Citibank 2125 3227 9.75-10.25% SBI 2131 3222 10.5-12% HDFC 2174 3274 11-13% ICICI Min EMI for 5 yr loan Min EMI for 3 yr loan Interest rate Bank
- 24. International scenario of auto finance
- 27. Interest rates- Bank Of America
- 28. HSBC Bank Interest Rates
- 29. Average interest Rates in US
- 34. THANKYOU