CrowdLending (Business) - India

  • India
  • The total transaction value in the Crowdlending (Business) market market in India is projected to reach €71.76m in 2025.
  • When compared globally, it is evident that China leads with the highest transaction value, expected to reach €15,220m in 2025.
  • India's CrowdLending market is witnessing a surge in alternative financing options, attracting diverse investors and startups seeking capital raising opportunities.

Key regions: China, United Kingdom, Brazil, Israel, India

 
Marché
 
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Comparaison de régions
 
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Analyst Opinion

The CrowdLending market within the Digital Capital Raising Market in India is witnessing moderate growth, influenced by factors such as increasing financial literacy, regulatory support, and the demand for alternative financing solutions among small businesses and startups.

Customer preferences:
Consumers in India are increasingly gravitating towards CrowdLending platforms as they seek accessible financing options for their entrepreneurial ventures. This shift is largely fueled by a growing preference for peer-to-peer lending, which offers more flexible terms compared to traditional banking. Additionally, the rise of tech-savvy millennials and Gen Z entrepreneurs, who prioritize quick and transparent funding processes, is reshaping the landscape. Cultural shifts towards entrepreneurship and self-employment further amplify the demand for alternative financing solutions, promoting innovation and economic growth.

Trends in the market:
In India, the CrowdLending market is experiencing significant growth as entrepreneurs increasingly turn to digital platforms for funding. The surge in peer-to-peer lending options is catering to the demand for flexible financing, especially among tech-savvy millennials and Gen Z. This demographic shift is fostering a culture of entrepreneurship, encouraging self-employment and innovation. Additionally, the emphasis on quick, transparent funding processes is reshaping traditional lending practices, prompting established financial institutions to adapt. The implications for stakeholders include a need for regulatory frameworks, enhanced digital literacy, and strategic partnerships to harness this evolving landscape effectively.

Local special circumstances:
In India, the CrowdLending market is thriving, influenced by a diverse population and a burgeoning startup ecosystem. The country's unique socio-economic landscape fosters a strong culture of entrepreneurship, particularly among young innovators seeking alternative funding sources. Additionally, the regulatory environment is gradually adapting to accommodate digital lending, encouraging transparency and consumer protection. Cultural factors, such as community trust and peer influence, play a crucial role in promoting peer-to-peer lending platforms, making them a preferred choice over traditional banks.

Underlying macroeconomic factors:
The CrowdLending market in India is significantly shaped by macroeconomic factors such as rising internet penetration, increasing smartphone usage, and a growing digital finance ecosystem. As global economic trends shift towards digitalization, Indian consumers are increasingly embracing online lending platforms. The national economic health, characterized by robust GDP growth and a rising middle class, enhances disposable income and investment potential. Furthermore, supportive fiscal policies aimed at promoting startups and innovation, alongside evolving regulatory frameworks, foster a conducive environment for CrowdLending. These dynamics, combined with a strong entrepreneurial spirit, position CrowdLending as a viable alternative to traditional financing methods.

Methodology

Data coverage:

The data encompasses B2C enterprises. Figures are based on transaction values / revenues / assets under management and user data of relevant services and products offered within the FinTech market.

Modeling approach / Market size:

Market sizes are determined through a combined top-down and bottom-up approach, building on a specific rationale for each market segment. As a basis for evaluating markets, we use annual financial reports of key players, industry reports, third-party reports, publicly available databases, and survey results from primary research (e.g., the Statista Global Consumer Survey). In addition, we use relevant key market indicators and data from country-specific associations, such as GDP, consumer spending, population, internet penetration, smartphone penetration, credit card penetration, and online banking penetration. This data helps us estimate the market size for each country individually.

Forecasts:

In our forecasts, we apply diverse forecasting techniques. The selection of forecasting techniques is based on the behavior of the relevant market. For example, the S-curve function and exponential trend smoothing are well suited for forecasting digital products and services due to the non-linear growth of technology adoption.

Additional notes:

The market is updated twice a year in case market dynamics change. The impact of the COVID-19 pandemic and the Russia-Ukraine war is considered at a country-specific level.

Vue d’ensemble

  • Capital Raised
  • Average Deal Size
  • Global Comparison
  • Number of Deals
  • Analyst Opinion
  • Methodology
  • Key Market Indicators
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