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1、The Fintech Pulse:Charting Indias Small-TicketLending Trends21.Table of Figures.032.Foreword by Manish Jain,Experian India.043.Executive Summary.054.Digital Lending Journey.065.Smart Lending:AI/ML Across Credit Lifecycle.086.AI/ML-Driven Solutions for High-Risk,Low-Ticket Lending.097.Personal Loan M

2、arket Overview.108.Fintech Market Analysis(Personal Loan Rs.1 Lakh).179.Borrower Demographics&Behaviour.2410.Portfolio Performance&Risk.3011.Navigating the Future-Pathway to Scalability and Profitability.3512.Summary.3813.Appendix.3914.Disclaimer.4015.About Experian.41IndexTable of figures3Figure 1

3、:Digital Lending Journey.06Figure 2 :%Share across ticket bands(AUM)-Industry.11Figure 3 :%Share across ticket bands(Loan Count)-Industry.11Figure 4 :%Share across ticket bands(AUM)-Banks.12Figure 5 :%Share across ticket bands(Loan Count)-Banks.12Figure 6 :%Share across ticket bands(Loan Count)-Fint

4、ech NBFCs.13Figure 7 :%Share across ticket bands(Loan Count)-Other NBFCs.13Figure 8 :%of share New Loans on Count-PL.14Figure 9 :Ticket Size Wise Share on Count(FY25 New Loans)-PL.14Figure 10 :%of share New Loans Sanction Amount-PL.14Figure 11 :%Share across ticket bands(OS_Balance)-Industry.15Figur

5、e 12 :%Share across ticket bands(Loan Count)-Industry.15Figure 13 :%of share New Loans on Loan Count-BL.16Figure 15 :Ticket Size Wise Share on Count(FY25 New Loans)-BL.16Figure 14 :%of share New Loans on Sanction Amount-BL.16Figure 16 :Net 90+=(90-179 DPD)/(0-179DPD).18Figure 17 :Personal Loans(PL)a

6、nd Business Loans(BL)with sanctioned amounts up to Rs.1 lakh.18Figure 18 :Personal Loans(PL)and Business Loans(BL)with sanctioned amounts up to Rs.1 lakh.19Figure 19 :Personal Loan Market Share New Loans(Amount)Rs.1 lakh.20Figure 20 :Personal Loan Market Share New Loans(Count)Rs.1 lakh.20Figure 21 :