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I
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ugust 4, 2011
RISIL Re
inance pen
ities. Desp
igher yiel
etros and
electing th
he report
cenario anatio, and n
roperty (L
overed are
ysore, N
ignificant i
ndia.
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xample, ca
er cent co
AGR in t
est of Indian five non
nd profita
roposition
esearch,
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he level of
AP disbu
arkets, th
ities is mu
he yield toheeler loa
rovided cr
are poorly
avourably
ead Ind
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tration an
ite lower
s, says its
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details the
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Bhopal, C
gpur, Nas
n terms of
earch beli
r loan disb
pounded
e larger ci
. Gold loasouthern c
bility com
for fina
RISIL Re
earch has
competitio
sements in
y accounte
h lower, at
financierss. Theref
dit quality
in respect
with the al
ustry Rese
r 2 cities
ias larges
the entry
olumes, th
recent rep
os. Howe
ets will be
current m
ting paraing assets
ns, two w
oimbatore,
ik, Rajko
ize, and to
ves that gr
ursements i
annual gro
ies. In 7 o
s are expeities assess
arable to
ciers, ex
search.
sed cumul
prevalent
2010-11,
d for over
35-40 per
is slightlyre, despite
is tightly
of asset qu
-India ave
arch, CRI
more att
t indepen
f more pla
ese market
rt titled
er, given
critical for
arket oppo
eters suchn respect
eeler loan
Indore, Jai
, Thiruva
ether acco
owth prosp
n 10 of th
th rate (C
these tier
ted to groed. Stron
the large
lained P
tive marke
. The large
on an ave
0 per cent
ent. In cas
igher in tilower vol
onitored
ality. In 8
age for al
IL Resea
1
ugust 4, 201
Mumbai
active f
ent and i
ers to driv
s are as p
etail loan
the differe
profitable
rtunity, lik
as financef five retai
, and gold
pur, Kanp
anthapura
unt for abo
ects in ma
15 marke
AGR) over
2 cities, L
at a mucer growth
cities m
asad Ko
t share of t
t two play
age, acros
of disburse
e of other l
r 2 cities, emes, these
Contrary
ut of the
the five r
ch.
1
r retail l
tegrated r
e faster gro
ofitable as
roducts:
nces in gr
rowth.
ely growt
penetrationl loan pro
loans acr
r, Kozhik
, and Vi
t 15 per c
y of these
s assessed
the next 2
P disburs
faster pacprospects,
ke tier 2
arkar, H
e largest t
rs are esti
s the 15
ents. The
an produc
specially icities wou
o popular
5 cities st
tail loan p
an prod
search ho
wth in retai
the larger
pportuniti
owth prosp
prospects,
, average tiucts hou
oss 15 tier
de, Luckn
hakhapatna
nt of the d
markets ar
are expect
years as c
ments wo
e (more thalesser co
markets a
ead In
o players
ated to ac
arkets ana
correspond
s as well, t
the case old be as pr
perception
died, the l
oducts,a
cts
se, expect
l loans de
markets o
s and risk
ects and a
emerging
cket size, lsing loans,
2 markets.
w, Ludhia
m. These
mand for r
e extremel
d to grow
ompared to
ld grow fa
n 50 per cpetition,
n extreme
ustry &
in each ma
count for 5
lysed. In f
ing percent
e trend is
f housing lofitable as
, not all ti
vel of NP
dded Ajay
www.crisil.co
s increasi
and in tier
account
beyond t
sset qualit
competiti
oan to valloan again
The marke
a, Madura
markets a
etail loans i
strong. F
at around
13 per ce
ster than t
nt annualligher yiel
ly attracti
Customise
ket to asse
0 per cent
our of the
age in larg
imilar.
ans and twlarger citie
r 2 marke
s compar
Srinivasa
m
g
2
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e
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est
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i,
e
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)s
e
d
s
f
e
r
os,
s
s
,
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August 4, 2011 www.crisil.com2
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