format of research project

Topics: Debt, Loan, Bond Pages: 7 (877 words) Published: March 5, 2014
Brochure
More information from http://www.researchandmarkets.com/reports/1830241/

Gold Loan Market in India
Description:

This report covers the Gold Loan Market in India. It covers Gold Loan as a product, elucidates its features, looks at the industry trends, market size, market players and their revenues and explains the opportunities and challenges existing in the sector.

Gold loan i.e., loan sanctioned against gold (usually jewellery) by banks or Non-banking Finance Companies (NBFCs) has gained acceptance in recent years thus pushing its demand. This has infused interest among banks (like State Bank of India (SBI), Andhra Bank and HDFC Bank) and NBFCs (like Mannapuram General Finance and Muthoot Finance) to expand their business in this arena. It is estimated that the total loans against gold stands at Rs.1,20,000 crore between the banks and NBFCs. SBI alone enjoys a loan portfolio of Rs 300 crore against gold. HDFC Bank plans to increase the number of branches offering gold loans from 150 to 600 in 2011. Andhra Bank also plans to facilitate gold loan disbursals from all of its branches in few months. Currently only 60 branches provide gold loans and each branch will have one valuer for pledged gold appraisal (whose fee is borne by customer). Financial institutions provide 70% to 85% of value of gold pledged as loan. The interest rates vary from 12% to 15.25% for banks whereas NBFCs offer between 12% and 21% depending on the value of the gold pledged. The time period varies from lender to lender, it can range from a couple of months to a year. Banks and Non-banking finance companies (NBFCs) like Muthoot Finance, Muthoot Pappachan Group, and Manappuram Finance are few players who offer gold loans, that is, they sanction loans against your gold. Once one guarantees the gold, he can get a loan amount of 70-95% of its value. The bank or NBFC conducts a valuation of the gold by a set of professionals who follow traditional methods of checking gold. It could be as simple as rubbing the metal and using the carat meter. Giving loan against gold has boosted lending business of banks, thus many banks and non-banking finance companies are planning to expand this business. In the past few months monetization of the yellow metal has increased in the country. Previously loan against gold was limited to south Indian states where NBFCs like Mannapuram General Finance and Muthoot Finance have strong hold and are aggressively expanding their base in this segment.

Contents:

Executive Summary
Gold Loan
The Sector in India: Features
Gold Loan Interest Rates Comparison in India
Industry SWOT Analysis
Strengths
Weaknesses
Opportunities
Threats
Consumer behaviour in Gold Loan Industry
Market Statistics
Revenue Share (Market-Percentage)
Market Share (Revenues in Crores)
Major Players: Market Share Percentage 2010
Major Players Revenue 2010 (In Crores)
Total Market Growth: Projection
Gold Loan Products in India
Indian Overseas Bank Gold Loan
Indian Bank
South Indian Bank
ICICI Bank Loan against Gold
HDFC Bank Loan against Gold
Muthoot Fincorp
Muthoot Finance
NBFCs: A Snapshot
NBFC Advantages
Concerns
Muthoot Finance

Muthoot Fincorp
Mannapuram
Regulations governing the Sector
Bibliography
Please note; this needs certain updates. We have all the information available but require 5 business days to complete the process and ensure it is as up-to-date as possible for each new purchase.

Ordering:

Order Online - http://www.researchandmarkets.com/reports/1830241/ Order by Fax - using the form below
Order by Post - print the order form below and send to
Research and Markets,
Guinness Centre,
Taylors Lane,
Dublin 8,
Ireland.

Page 1 of 2
Fax Order Form
To place an order via fax simply print this form, fill in the information below and fax the completed form to 646-607-1907 (from USA) or +353-1-481-1716 (from Rest of World). If you have any questions please visit...
Continue Reading

Please join StudyMode to read the full document

You May Also Find These Documents Helpful

  • Project Management Research Paper
  • research project Essay
  • Research Format Essay
  • Essay about format of project
  • Diversity Training Action Research Project Essay
  • Oxford brooks research and analysis project Essay
  • Research Project Essay
  • Research Project Essay

Become a StudyMode Member

Sign Up - It's Free