#Digital lending value in India
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bishtmeenakshi · 1 year ago
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India Digital Lending Market is in Growing Stage, Being Driven by Digitization in the country along with the presence of 100+ Players in the Industry: Ken Research
Digital Lending Platforms are addressing the huge unmet demand for credit as the Market has grown @ CAGR 131.9% During FY’2017-FY’2022.
     
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India’s market for digital lending has grown from INR 116.7 billion in FY’2017 to INR 3,377.7 billion in FY’2022P. The growth is supported by the need for superior customer experience, emerging business models, faster turn-around time, and adoption of technology like AI. Customers are adopting digital avenues as a result of the rise in smartphone usage and internet penetration. Digital channels influence 40 to 60% of loan purchase transactions across loan types.
2. Loans through Digital Channels on NBFCs has increased from 0.6% in FY’2017 to 53.0% in Dec, 2020 owing to the rise in BNPL schemes and lower interest rates offered by the Lending Platforms.
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Commercial banks are rapidly joining the genre of financial intermediaries either lending digitally on their own or joining with NBFCs to share the synergies. The Digital Lending Company’s requirements are lower, and the process is significantly quicker. They need just a bank account as a reference point where loans can be credited and therefore % of Loans through Digital Channels are higher with NBFCs. The flexibility that BNPL schemes offer has completely transformed the digital lending market, particularly for younger shoppers, who are happy to trade traditional credit cards for more user-friendly BNPL schemes. The rapid uptake of Buy Now, Pay Later (BNPL) propositions, particularly within the retail sector, continues to drive major growth and new opportunities for NBFCs in India.
3. Rising Internet Penetration, Rise of innovative Models and an enabling regulatory environment are some of the Major Driving Factors for Digital Lending in India
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Higher penetration of smartphones, increasing number of mobile phone subscriptions coupled with inexpensive data has result in the growth and also supported the awareness and adoption rate of Digital Lending in India’s population. The popularity of Digital Lending has increased in India owing to NBFCs platforms collaborating with other digital platforms such as e-commerce, ride hailing, travel, logistics and more, resulting in higher acceptance of digital lending from various customer segments in the country. Digital Lending Pioneered by NBFCs, have now resulted in Companies from various segments coming up with multiple new models of doing business such as Digital Lending Marketplaces, POS Transaction Lending, Bank and NBFCs partnership models and more.2
4. Digital Lending Market to Reach INR ~15,000 billion by FY’2027 Making Digital Lending a Sector with the Highest Penetration by Digital Channels in the Country.
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Strategic partnerships and collaborations between traditional financial institutions and new-age Lending Platforms. Plus, easy market entry and targeted loan offerings due to availability of large sets of customer data, which can give collective and individual insights. Changing consumer behavior and expectations shaped by purchase/ transaction experiences offered by e-marketplaces like food delivery, e-commerce and travel portals.
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financemaster1 · 10 months ago
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Making Financial Transactions Effortless and Smart
From seeking quick loans to making international money transfers or even paying utility bills, these transactions have become an integral part of our routine. But what if there was a way to simplify these processes, making them not just effortless but also smart? Enter Muthoot FinCorp ONE, an all-in-one digital financial platform designed to revolutionize the way you handle your finances.
The Convenience You Deserve
At Muthoot FinCorp ONE, convenience isn’t just a promise; it's a commitment we live by. Muthoot FinCorp ONE gives you the ability to secure a Gold Loan swiftly, without any hassle, and from anywhere you prefer, be it the comfort of your home or at any of our 3600+ branches across India. With our quick doorstep service, you can have your Gold Loan sanctioned in as little as 30 minutes*. Plus, we offer competitive interest rates as low as 0.83%* per month and, as a cherry on top, a zero* processing fee. You can avail the Gold Loan at offered gold rates up to ₹4200/gm, making it a lucrative and hassle-free option for your financial needs.
Digital Gold and Beyond
We understand the importance of diversifying your portfolio, which is why we offer the opportunity to invest in Digital Gold. With an entry point as low as Re. 1, you can start your journey into gold investment, secured at 99.99% purity, and trade it at market prices, all stored safely and securely.
NCDs for a Secure Investment Future
For those seeking stability and high returns, our Non-Convertible Debentures (NCDs) present an excellent opportunity to build a robust investment portfolio. Starting with just Rs. 10,000, enjoy returns of up to 9.43%* with fast-tracked investments, high-yield, low-risk opportunities, and flexible tenure durations to suit your needs.
Simplified Forex Transactions
Navigating the complexities of foreign exchange transactions can be daunting, but not with Muthoot FinCorp ONE. Enjoy secure and reliable forex services with competitive exchange rates and guaranteed 24-hour* transfers. We also provide a buy-back guarantee, ensuring your peace of mind throughout the process.
Seamlessly Handle Payments and Recharges
From bill payments to recharges, Muthoot FinCorp ONE simplifies it all. Recharge your DTH or prepaid mobile, pay electricity, internet, or LPG gas cylinder bills instantly, or manage your financial services and taxes hassle-free—all with a few taps on our app. Moreover, pay your rent or vendors effortlessly, making the entire process quick, secure, and available 24x7.
Our commitment to making your financial life easier continues with the Muthoot FinCorp ONE app. It’s your gateway to effortless Gold Loans, Digital Gold investments, Forex transactions, and more, available whenever and wherever you need it. Expect regular updates, enhanced services, and an unwavering dedication to simplifying your financial journey.
Muthoot FinCorp ONE is not just about transactions; it's about transforming the way you interact with your finances. Experience ease, convenience, and reliability—all in one place.
At Muthoot FinCorp ONE, we're not just simplifying financial transactions; we are empowering you to make smarter choices, effortlessly. Join us and witness a new era of financial convenience and intelligence.
About Muthoot FinCorp ONE
Muthoot FinCorp ONE is an all-in-one digital financial platform that makes getting an MSME & a Gold Loan, investing in Digital gold & NCDs, making payments & remittances, buying insurance & exchanging forex, simple and convenient.
As an SBU of Muthoot FinCorp Limited, Muthoot FinCorp ONE is backed by a legacy stretching back over 135 years, and the trust of more than 1 crore customers and is building a holistic financial ecosystem using the latest digital products for lending, investing, protection and payments.
Muthoot FinCorp ONE continues to uphold the values of the parent, the Muthoot Pappachan Group (Muthoot Blue) by providing its customers with easily accessible services, replete with unmistakable quality. The Muthoot Pappachan Group is among India’s most reputed names in the financial services industry, with customers in diverse segments like Automotive industry, Financial Services, Hospitality, Alternate Energy, Real Estate, and Precious Metals.
So what are you waiting for? Head to the Play Store and download the Muthoot FinCorp ONE app. You can also visit the website today to know more.
Alternatively, you can also follow us on Facebook, Instagram, Twitter or LinkedIn to stay tuned to our latest offerings.
Chat on Whatsapp | Branch Locator | Email us - [email protected] | Download App
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loansmantri · 1 year ago
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Finding the Right Loan: A Guide to Loan Options and Choosing the Best Fit for You
Introduction 
Finding the right loan product to fit your needs can be a challenging process. With so many options like personal loans, home loans, and business loans, how do you know which is best suited for you? In this post, we'll provide an overview of the major loan products available and factors to consider when choosing one, as well as how Loans Mantri can help simplify the loan application process.
Loans Mantri is an online loan marketplace that partners with over 30 top financial institutions in India including names like HDFC Bank, ICICI Bank, and Axis Bank. No matter what type of loan you need, Loans Mantri aims to provide customized options and a seamless application experience through their digital platform. 
Whether you need funds for personal expenses, purchasing real estate, business financing or any other purpose, Loans Mantri can match you with the ideal lending product for your requirements from their network. Their online eligibility calculators and tools remove the guesswork from determining what loans you can qualify for based on your income, credit score and other details.
This post will walk through the key loan products offered through Loans Mantri and outline the most important points to factor in when deciding which option works for your financial situation. We'll also provide tips on how to apply and what to expect when going through Loans Mantri for your financing needs. Let's get started!
Types of Loans Available
Here are some of the major loan products offered through Loans Mantri's platform:
Personal Loans - These unsecured loans can be used for almost any personal purpose like debt consolidation, wedding expenses, home renovation, medical needs, or any other requirements. Interest rates are competitive and loan amounts can range from ₹50,000 to ₹25 lakhs based on eligibility.
Home Loans - Also called mortgage loans, these are for purchasing, constructing or renovating a residential property. Home loans offer extended repayment tenures of up to 30 years and relatively lower interest rates. The property becomes collateral against the loan amount.  
Business Loans - Loans Mantri offers financing for a wide range of business needs like working capital, equipment purchases, commercial vehicle loans, construction requirements and more. Loan amounts can be from ₹10 lakhs to multiple crores.
Loan Against Property - By using your existing property as collateral, you can get a secured, high-value loan in return through this product. Interest rates are lower and you can get up to 50% of your property's current market value.
Other Loan Products - Loans Mantri also facilitates other lending options like credit cards, line of credit, gold loans, insurance financing, merchant cash advance for businesses etc. as per eligibility.
Factors to Consider When Choosing a Loan
When looking at the various loan options, here are some key factors to take into account:
- Loan amount required and ideal repayment tenure 
- Interest rates and processing/administration fees
- Your repayment capacity based on income and expenses
- Purpose of the loan - personal needs, business growth, property purchase etc.
- Collateral availability for secured loans like home and property loans
- Flexibility in repayment - moratorium periods, EMIs, tenure etc.  
- Prepayment and foreclosure charges, if any
Evaluating these parameters will help identify the loan that Aligns to your financial situation. Loansmantri's online tools also help estimate factors like eligibility amounts, EMIs, interest rates etc. to simplify decision making.
Applying for a Loan on Loans Mantri
The application process with Loans Mantri is quick, transparent and fully digital: 
- Use the eligibility calculator to get an estimated loan amount you can qualify for.
- Fill out the online application by providing basic personal and financial details. 
- Loans Mantri will run a soft credit check to view your credit score and report. This helps match products to your profile.
- Compare personalized loan quotes from multiple partner banks and NBFCs.
- Submit any required KYC documents and income proofs online.
- The application gets forwarded to the lender for further processing and approval.
- Track status directly through your Loansmantri dashboard. Get assistance from customer support if needed. 
Conclusion  
Loans Mantri aims to be a one-stop platform for all your lending needs. Their intuitive tools and partnerships with leading financial institutions help identify and apply for the ideal loan product for any purpose. Consider your requirements carefully and evaluate all options before choosing the right loan for your financial situation. With Loans Mantri, the entire process from application to disbursal can be completed digitally for an easier financing experience.
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apcseo · 2 days ago
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A Deep Dive into Kajaria Eternity's Marketing Strategies and Brand Positioning
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Kajaria Eternity, one of India’s leading Glazed Vitrified Tile (GVT) brands, faced an increasingly complex market landscape. With heightened competition from regional players offering budget-friendly options and shifting consumer preferences, Kajaria needed to establish clear differentiation and reinforce its market leadership. To meet this challenge, the brand sought to revamp its positioning to appeal to both B2B and B2C segments while providing a tangible justification for the premium price of its GVT tiles over traditional ceramic options.
The company engaged APPPL Combine, now also known as the Kajaria marketing agency behind its successful campaigns, to help reposition Kajaria Eternity and deliver a bold, assertive message that would reignite excitement in the market.
The Objective: Revitalizing Kajaria Eternity’s Brand
The primary objective was to establish Kajaria Eternity as the undisputed leader in the GVT category, highlighting the superiority of its products and services over competitors. This strategy was designed to:
Reinforce Kajaria Eternity’s status as India’s No.1 GVT brand
Communicate the tangible benefits of GVT tiles to customers who were uncertain about the higher price point compared to ceramic tiles
Ensure sustained brand visibility and engagement across key touchpoints, both offline and online
Strengthen Kajaria Eternity’s market presence, especially against emerging regional players
The Strategy: Positioning Kajaria Eternity as India’s GVT Leader
Kajaria Eternity recognized GVT as the fastest-growing segment in the tile industry, with immense potential to capture both quality-conscious consumers and those seeking modern, durable tiles. The brand’s extensive reach, high-quality product range, and impeccable customer service were key elements to focus on in the rebranding effort.
Working with APPPL Combine, Kajaria shifted from its previous, abstract tagline "Tiles Forever" to the assertive "India’s No.1 GVT Brand." This shift helped clearly communicate Kajaria’s leadership in the GVT space, both in India and globally. The strategy also aimed to bridge the perception gap between GVT and ceramic tiles by:
Highlighting the premium nature of Kajaria Eternity’s GVT offerings
Underscoring the superior quality, range, and customer-centric services provided by the brand
Showcasing Kajaria Eternity’s reliability, retail presence, and on-time delivery services
This new positioning was then amplified through a comprehensive multi-channel marketing campaign.
The Execution: A Bold Campaign to Drive Engagement
To maximize impact, Kajaria Eternity leveraged its partnership with APPPL Combine, responsible for its successful marketing initiatives including kajaria Ad Campaigns, to create visually stunning campaigns with celebrity endorsements from Bollywood icons Akshay Kumar and Ranveer Singh. These high-profile endorsements helped lend credibility and appeal to Kajaria Eternity’s message, making it resonate with both B2C and B2B audiences.
Key components of the campaign included:
Engaging visuals across digital platforms, outdoor hoardings, and retail displays to ensure a consistent and powerful brand presence
Two targeted B2C ad films focused on the brand’s core values: quality, nationwide reach, customer service, and a modern retail experience
A nationwide outdoor and in-store hoarding initiative to enhance visibility around Kajaria Eternity retail locations
Refreshed in-store branding for a seamless, premium shopping experience that aligned with Kajaria’s new positioning
This cohesive, integrated approach helped to establish Kajaria Eternity’s dominance in the GVT market, creating substantial momentum for the brand.
The Results: Reinforced Leadership in the Tile Industry
The revamped positioning and marketing campaign successfully captured the attention of consumers across India, particularly in markets where GVT tiles were still a relatively new concept. By clearly demonstrating the tangible benefits of Kajaria Eternity’s premium GVT offerings, the campaign not only solidified the brand’s leadership but also set a new standard for tile marketing in India.
As a result:
Kajaria Eternity reinforced its image as India’s No.1 GVT Brand in the eyes of both consumers and trade professionals
The brand experienced increased brand recall and recognition, particularly in retail outlets and high-visibility digital platforms
Kajaria’s GVT tiles gained greater consumer acceptance, particularly from those who had been hesitant to opt for the premium-priced tiles
Conclusion: Kajaria Eternity’s New Brand Leadership
With the strategic support of APPPL Combine, Kajaria Eternity was able to reposition itself as a market leader, reinforcing its position as India’s No.1 GVT brand. The campaign’s success demonstrates the power of a well-executed, cohesive marketing strategy that speaks directly to the consumer’s needs and highlights the core benefits of the product.
As competition in the tile industry intensifies, Kajaria Eternity’s approach serves as a benchmark for future tile marketing strategies, showcasing how a clear, value-driven message combined with celebrity endorsements and comprehensive media coverage can create significant brand impact.
If you're looking for the right marketing agency to elevate your brand, APPPL Combine could be the perfect step toward boosting your brand visibility and market leadership.
This post was originally published on: LinkedIn
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financesupport · 13 days ago
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Managing Cash Flow: Invoice Discounting & TReDS in Today’s Market.
In this high-competition commercial scenario, an uninterrupted cash flow is essential for prosperity, growth, and stability. For most industries, SMEs face a significant barrier that cash flow provides from a gap between delivery or the provision of service offered to customers and subsequent reimbursement of the amount incurred against the provision made by these customers. Cash, by way of invoice discounting, aids these companies in acquiring available cash immediately. Another innovation in India has been the implementation of the TReDS, which further adds to the efficiency of invoice discounting by creating a streamlined and regulated marketplace. Business houses can, therefore, expedite their fund release through TReDS and meet their urgent needs without sitting on pending customers' payments.
What is Invoice Discounting?
Invoice discounting is essentially a financial product that allows a business house to raise funds against an unpaid invoice. Companies can submit their invoices to a financial institution or online TReDS platform, which advances a big part of the value of the invoice instead of waiting for the customers to pay. The process is simple and quick, thus more under the control of the business regarding cash flow. This may be very useful for SMEs since they usually see uncertain cash flows due to longer payment cycles of larger clients. It can control cash inflow using invoice discounting and, thus, invest in what business operation is concerned with, such as maintaining payroll and paying for suppliers to ensure it is made on time and that more advantages are taken of the growing opportunities available within the given market, environment, economy, among other factors, and areas necessary for operations. TReDS brings the buyer, seller, and financier together in one platform such that any business house can draw on its invoices with confidence. The processes related to TReDS are very simple: if a business issues an invoice, the same can be uploaded to the platform, and this may attract more than one financier to bid based on the invoice value for the funds. The mechanism of bidding will help the business acquire competitive rates and quick access to funds.
This way, the businesses steer clear of dependence on conventional lending and instead enjoy a more seamless, transparent approach toward invoice discounting with TReDS. The digital system further enhances record-keeping, eliminates paperwork, and offers a regulated environment wherein a business can operate with peace of mind.
Benefits of Improved Cash Flow through Invoice Discounting:
Predictable cash flow is, of course, gold dust for businesses.Companies would be free to spend more time working on growth activities and less time waiting for delayed payments. Some of the benefits from using invoice discounting on TReDS are:
Better Expenditure Planning: Access to cash in hand instills more confidence about opex as well as capex expenditure plans, thus enabling better control over such costs and greater financial planning ability.
Cost Management: The business has adequate funds at the time of due payment and, therefore, can negotiate better terms with suppliers. Thus, there is no late fee or penalty.
Investment in Growth: Adequate cash flow helps the business make correct investments in marketing, expansion, and innovation at appropriate times.
Invoice discounting through TReDS helps stabilize business strategies by ensuring the availability of cash at all times for critical operations and growth opportunities. Creating less dependence on traditional finance avenues and improving cash flow enables firms to be more resilient and confident about their activities. Invoice discounting and TReDS are powerful gap-closing tools that make operations smoother and propel sustainable growth in enterprises.
#finance
#financetips
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newsmarketreports · 15 days ago
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Larsen & Toubro Financials: A Deep Dive into One of India's Largest Conglomerates
Larsen & Toubro (L&T) is one of India's largest and most diversified engineering, construction, and technology conglomerates. With a history spanning over 80 years, L&T is a leader in infrastructure, engineering, power, and financial services, among other sectors. Its financial performance reflects its expansive operations and strategic growth initiatives. This article provides an in-depth analysis of L&T’s financial structure, key revenue drivers, and future prospects.
1. Revenue Streams and Core Segments
Engineering & Construction (E&C): This segment is L&T's most significant revenue driver, contributing around 60-70% of its total income. E&C includes large infrastructure projects in sectors like transportation, water, power, and hydrocarbons. The sheer scale and complexity of these projects have allowed L&T to secure a dominant market share and competitive advantage, especially in India and the Middle East.
Financial Services: L&T’s finance arm, L&T Finance Holdings, provides loans and financial products across retail, housing, and infrastructure finance. This segment accounts for approximately 10-15% of the group's revenue, and while it is smaller than E&C, it remains vital for diversification.
Information Technology (IT) & Technology Services: Through its subsidiaries, L&T Infotech and L&T Technology Services, the conglomerate generates revenue in digital and engineering services. This segment has seen significant growth, driven by demand for digital transformation and innovation in engineering solutions. IT services contribute around 10-12% of total revenue.
2. Key Financial Highlights
Revenue Growth: L&T has consistently demonstrated revenue growth, supported by government-backed infrastructure projects in India and expansion abroad. In FY 2023, L&T reported a robust year-on-year growth in revenue, primarily from the E&C and IT segments.
Profitability: L&T maintains healthy profit margins, with an average EBITDA margin of 10-15% over recent years. The company’s strong project execution capabilities, coupled with cost control measures, have helped sustain profitability even during periods of economic fluctuation.
Debt Position: L&T's operations require significant capital expenditure, particularly in E&C. While the company carries a certain level of debt to support large-scale projects, its debt-to-equity ratio remains within a manageable range, indicating a prudent financial strategy.
3. Financial Services Arm: Growth and Challenges
Performance Overview: L&T Finance Holdings, listed separately on the stock exchange, focuses on rural and retail loans, housing finance, and infrastructure finance. This segment has seen fluctuating performance due to market conditions but has shown resilience through diversification and cost controls.
Challenges: Despite growth in rural and micro-loans, the financial services segment faces challenges from increasing competition and regulatory changes in India’s financial sector. However, L&T has committed to maintaining a strong balance sheet, which could help it capitalize on future lending opportunities.
4. IT and Digital Transformation: A Growth Catalyst
L&T Infotech (LTI) and L&T Technology Services (LTTS): These subsidiaries provide digital and engineering solutions, which have become essential growth areas given the rise of digitalization. L&T Infotech has grown its presence in North America and Europe, serving clients across banking, finance, and manufacturing sectors.
Strategic Value: The IT arm has provided a buffer against economic uncertainties impacting core infrastructure projects. The digital and engineering segments are also expected to support L&T’s long-term strategy to diversify revenue streams and reduce dependency on cyclical sectors.
5. Future Prospects and Strategic Focus
Infrastructure Growth in India: L&T stands to benefit from India’s commitment to infrastructure development, which is expected to continue driving the E&C segment. Large government projects in roads, railways, water supply, and urban infrastructure are likely to sustain revenue growth.
Global Expansion: L&T has increased its focus on expanding its footprint in international markets, especially in the Middle East. This strategy helps mitigate risks associated with dependency on the Indian market and provides access to new growth opportunities.
Focus on Sustainability and Innovation: With the global shift towards sustainable practices, L&T has prioritized projects in renewable energy, water management, and sustainable infrastructure. These initiatives align with the growing trend of ESG (Environmental, Social, and Governance) investing, positioning L&T favorably in the eyes of responsible investors.
Conclusion
Larsen & Toubro’s financial performance reflects its status as a robust and diversified conglomerate with a strong foothold in sectors critical to India’s growth story. Its engineering and construction segment remains the primary revenue driver, supported by profitable contributions from IT and financial services. L&T’s strategic investments in infrastructure and technology, along with prudent financial management, place it in a strong position for future growth. With continued government support for infrastructure and increasing demand for digital services, L&T is well-positioned to capitalize on both domestic and global opportunities, securing its place as a leader in the Indian and global markets.
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sonalidigitalmarketer · 16 days ago
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Why Content Marketing Strategies are Game-Changers for Indian Brands
In today's digital landscape, content marketing has emerged as a cornerstone strategy for brands worldwide. In India, where diverse cultures, languages, and consumer behaviors make the market both unique and challenging, content marketing has become an essential tool for brands looking to connect deeply with audiences, build trust, and drive growth. Let’s delve into why content marketing strategies are a game-changer for Indian brands.
1. Building Trust and Credibility in a Diverse Market
With a consumer base as vast and varied as India's, one of the primary challenges for brands is establishing trust across different regions, languages, and cultural backgrounds. Content marketing allows brands to create authentic, relevant, and consistent messaging that resonates with various target audiences. When consumers repeatedly engage with valuable content that aligns with their needs and preferences, they start to see the brand as a reliable source of information and products, fostering trust.
2. Enhancing Audience Engagement through Regional Content
India is a multilingual country with a significant preference for regional languages. Content marketing strategies tailored to regional languages and contexts allow brands to communicate effectively with audiences who might feel disconnected from content in English or Hindi alone. For example, creating video content or blogs in Tamil, Bengali, or Marathi can help brands reach previously untapped segments of the market and build a stronger emotional connection with those audiences.
3. Boosting Brand Awareness in the Digital Age
Content marketing strategies such as SEO-focused blog posts, video content, and social media engagement help Indian brands reach consumers who are increasingly turning to the internet for information. With effective keyword research, quality content creation, and distribution on platforms popular in India like YouTube, WhatsApp, and Instagram, brands can significantly increase their online visibility. This boosted visibility not only strengthens brand recognition but also drives organic traffic, increasing potential sales and leads without relying solely on paid advertising.
4. Driving Informed Consumer Decisions
Content marketing provides Indian brands an avenue to educate their consumers by addressing common questions, pain points, and product benefits in an informative and non-promotional manner. For example, a skincare brand might create content explaining ingredients, skincare routines, and common skin issues. This type of value-driven content helps consumers make informed decisions, positioning the brand as a knowledgeable and helpful resource.
5. Leveraging Influencer Collaboration
Influencers in India play a pivotal role in shaping consumer perceptions and buying decisions, particularly in sectors like fashion, food, technology, and lifestyle. Brands can work with influencers to co-create authentic content that reaches highly engaged audiences, lending their voices and personalities to the brand. By strategically collaborating with influencers, brands can amplify their content marketing strategies, driving reach and engagement while resonating with targeted demographics.
6. Cost-Effective Growth for Emerging Brands
Content marketing offers a cost-effective alternative to traditional advertising methods, making it accessible for small and medium-sized enterprises (SMEs) and startups, which form a large part of India’s economy. Instead of spending significant budgets on high-cost advertising, brands can invest in creating valuable content that engages customers over time. Blog posts, social media content, email newsletters, and videos offer long-term benefits, driving organic traffic and leads at a fraction of the cost of traditional advertising channels.
7. Engaging the Younger, Digital-First Generation
India's large youth population is digitally savvy, spending considerable time online and making buying decisions based on online content, reviews, and social proof. Content marketing allows brands to reach this audience effectively through short-form videos, memes, interactive content, and social media campaigns. Engaging young consumers with relevant, value-driven content on platforms like Instagram, YouTube, and emerging regional social platforms helps brands build a strong connection with future decision-makers and buyers.
8. Adapting to Evolving Consumer Trends
Indian consumers are increasingly conscious of social and environmental issues, and they want to support brands that align with their values. Content marketing enables brands to communicate their efforts in sustainability, ethical sourcing, and community support in a more personal way. By showcasing their commitment to these causes through blog posts, videos, and behind-the-scenes content, brands can connect with socially conscious consumers and differentiate themselves in the marketplace.
9. Data-Driven Strategies for Measurable Results
One of the biggest advantages of content marketing in India’s digital landscape is the ability to track and measure results. Brands can gain insights into what type of content resonates with their audience, analyze traffic sources, engagement metrics, and conversion rates. Using this data, brands can refine their strategies, focusing on content types and topics that yield the best results, enabling continuous optimization and growth.
10. Building Long-Term Customer Loyalty
Content marketing isn’t just about attracting new customers; it’s about retaining and nurturing existing ones as well. Brands can use content like email newsletters, exclusive blog posts, and loyalty program updates to maintain engagement with their customer base, providing them with consistent value and information. This strategy not only strengthens the customer-brand relationship but also encourages repeat purchases, making it an essential tool for long-term loyalty.
Conclusion
In a rapidly evolving market like India, content marketing offers an unmatched opportunity for brands to connect with consumers authentically and strategically. From reaching diverse audiences and educating consumers to leveraging influencer partnerships and fostering loyalty, content marketing proves to be a flexible and impactful approach. By investing in a well-planned content strategy, Indian brands can position themselves as leaders in their industry, achieving growth, engagement, and success in the digital age.
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news365timesindia · 17 days ago
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[ad_1] Home Credit India, a local arm of the leading global consumer finance provider, has released the findings of its annual consumer study - How India Borrows. The sixth edition of the study reported a significant shift in borrowing patterns among the lower-middle-class consumers, transitioning from survival-driven borrowing to one fuelled by aspirations, entrepreneurship, and long-term investments. This transformation reflects India's evolving socio-economic landscape, where consumers are increasingly focused on improving their quality of life, empowered by greater access to credit and the growth of digital platforms.How India Borrows 2024Speaking on the sixth consumer study, Ashish Tiwari, Chief Marketing Officer, Home Credit India, said, "Our latest How India Borrows 2024 study highlights a transformational shift in the borrowing behaviour among the lower-middle-class borrowers. It shows an increasing preference towards borrowing for consumer durables and small business ventures and consumer's growing comfort with app-based banking, chatbots for customer service, WhatsApp payments, and digital literacy, reflecting not only the evolving financial aspirations of borrowers to enhance their lifestyle and income opportunities, but also the growing role of digital platforms in making credit more accessible. The study also points out the strong affinity towards embedded finance and EMI-based financing and the importance of raising awareness around data privacy. Keeping this in mind, Home Credit India remains committed to providing transparent, secure, convenient, and accessible financial solutions, empowering consumers on their journey towards a better quality of life and fostering a responsible and inclusive financial future for all, thus partnering with them in making their #ZindagiHit."Borrowing Behaviour Among ConsumersAccording to the study, most of the loans were taken to purchase consumer durables, followed by lending for business and house renovation. For example, borrowing for smartphones and home appliances increased from 1% in 2020 to 37% in 2024, indicating a continuous rise in borrowing for acquiring new technology and consumer durables. Borrowing for business expansion and start-ups jumped from 5% in 2020 to 21% in 2024, fuelling a sustained entrepreneurial momentum as individuals sought new income streams and opportunities, driven by pandemic-related economic shifts and strong government support for MSMEs through credit schemes and subsidies. Borrowing for home renovation/construction saw a modest rise, from 9% in 2022 to 15% in 2024, reflecting the rising consumer interest in improving living conditions, enhancing home value, an optimistic economic outlook, and a focus on long-term investment in assets.The study further showed stable trends in education loans, which remained at 4% from 2022 to 2024, underscoring the continued importance of children's education. Borrowing for marriages gradually increased from 3% in 2021 to 5% in 2024, highlighting the continued cultural importance of fulfilling social commitments. Interestingly, borrowing for medical emergencies has dropped significantly, from 7% in 2020 to 3% in 2024, which could be attributed to improved financial planning, more affordable healthcare options, and better access to insurance.Rise in Digital Financial TransactionsThe study indicated that as consumers become more tech-savvy, their borrowing habits are also shifting towards app-based banking, with 65% favouring it over browser-based banking (44%) in 2024. This trend reflects the consumers growing preference for convenience, 24/7 financial access over traditional branch visits, and heightened digital literacy. App-based banking is most popular among Millennials (69%), followed by Gen Z (65%) and Gen X (58%). Geographically, Metros lead with 71% adoption, followed by Tier 2 cities at 69%. Browser-based banking, meanwhile, sees higher usage among Gen Z and Millennials at 47% each, with Gen X having the lowest usage at 35%.
Online shopping has also shown a pattern of normalisation following the peak disruptions caused by the COVID-19 pandemic. In 2021, usage of online shopping hit 69% due to health and safety concerns but dropped to 48% in 2023 as restrictions eased. By 2024, it has slightly rebounded to 53%. Women (60%), Millennials (59%), Gen Z (58%), Metros and Tier 2 cities (56% each) now drive this trend. Kolkata (71%), Kochi (66%), Hyderabad (64%), Chennai (60%), and Ranchi (59%) are the top five cities in terms of online shoppers.Increased Usage of Chatbots and WhatsAppAs per the study, Chatbots are gaining traction in customer service, with 27% of middle-class borrowers citing familiarity with the tool, up 4% from last year. Awareness is stronger among Gen Z at 30%. Additionally, 38% of borrowers find chatbots easy to use for customer service, and 29% trust the responses provided by them.WhatsApp has also redefined the communication landscape, becoming a key channel in the lending space due to its user-friendly features and widespread adoption. It continues to gain prominence, with 59% of borrowers receiving loan offers via WhatsApp. Trust in loan offers received on WhatsApp has also grown, rising from 24% in 2023 to 26% in 2024, reflecting increasing confidence in this digital platform. Loan offers received on WhatsApp are prevalent among Gen Z (61%), and in Tier 1 cities (67%).Growing Adoption of Embedded Finance and EMI Cards Driven by their convenience in credit-related transactions, the adoption of innovative financial solutions, like embedded finance and EMI cards, is on the rise. There has been a nuanced shift in customer attitude towards embedded finance, with 43% of customers expressing interest in these services. Almost 50% of the borrowers in favour of embedded finance agree that embedded finance makes borrowing faster and e-commerce shopping simpler. For example, 64% favoured major e-commerce platforms (like Amazon, Flipkart, Meesho, etc), followed by 21% opting for travel apps (like MakeMyTrip, ClearTrip, etc.), and 23% using food delivery apps (like Zomato, Swiggy, etc).According to the study, interest in embedded finance is notably higher among Gen Z (55%) and Men (45%), highlighting a demographic divide in engagement. Additionally, customers in Tier 1 cities, particularly in urban centers, such as Lucknow (68%), Patna (53%), Ahmedabad (52%), Bhopal (52%), and Ranchi (52%), exhibited a greater propensity towards embedded finance.EMI Cards remained the most popular credit tool among the lower-middle-class borrowers in India, with 43% citing them as their preferred option due to greater trust and faster disbursals. Other popular sources for obtaining loans include credit cards, preferred by 24% of borrowers, and digital lending apps, preferred by 12%.Balance Between Digital Convenience and Human ConnectionA growing shift in loan acquisition patterns was noticed in the study, with 48% of borrowers opting to visit physical branches, underscoring the enduring preference for face-to-face interactions; 30% of borrowers opting to complete applications online, reflecting the growing confidence in technology and convenience; and 22% of borrowers relying on customer care representatives, highlighting the need for human intervention.Borrowing preferences differ notably by region. In Tier 1 and Tier 2 cities like Kochi (85%), Lucknow (73%), and Ranchi (69%), borrowers prefer physical branches, indicating that people value personal interaction and trust. Meanwhile, borrowers in metropolitan cities such as Bengaluru (64%), Hyderabad (53%), and Chennai (48%) increasingly lean towards online channels due to accessibility and tech familiarity, reflecting their openness to digital financial services.Interestingly, the preference for digital loan channels for future credit needs has declined by 10% from the previous year, signalling an increasing demand for more personalised, human-centred lending solutions. For financial companies, this shift
emphasises the need to enhance customer experiences by blending digital efficiency with empathetic human support, redefining the loan acquisition process to better resonate with modern consumers.Awareness of Data PrivacyThe study also highlighted a growing awareness gap regarding data privacy guidelines among borrowers. 24% of borrowers have claimed to have heard of the data privacy requirements that lending companies must implement, an 8% increase from last year, but this understanding is superficial as their knowledge on the subject is negligible. Nearly half (48%) of the lower-middle-class borrowers don't understand anything about the data protection guidelines, highlighting the need for increased transparency and education from financial institutions and regulators.In terms of comprehension of the data protection rules and guidelines, approximately 40% of borrowers claim to understand, with 38% recognising that these guidelines prohibit unauthorised data sharing. Borrowers from Kochi (49%) and Chennai (43%) seem to be more digitally advanced and claim to understand the usage of personal data. However, only 15% of borrowers are aware that these guidelines specifically pertain to the use of their data exclusively for the loan application process, a 3% increase compared to last year.The study also found that about 58% of borrowers are concerned about how their personal data is collected and used by lending apps. Almost half of the borrowers (57%) voiced that they don't have any control over their personal data with the lending apps, and 49% of the borrowers feel that the lending apps collect more data than required. Although less than one-fourth (23%) of the borrowers understand the usage of their personal data by lending apps, a strong demand for transparency exists as more than three-fourths (76%) of borrowers seek clarity on the usage of their personal data. Tier 1 (87%), Gen Z (80%), and Men (78%) are particularly interested in learning about the use of their personal data.Need for Financial LiteracyThe study also showed varying levels of interest in financial education. 15% of borrowers reported needing assistance while using internet banking, loan applications, payment wallets, and other critical online financial tasks, indicating that a notable portion of users, especially Women (17%), Gen X (24%) and borrowers in Tier 1 cities (18%), still encounter challenges or lack confidence in managing their financial activities digitally.33% of borrowers, on the other hand, expressed a desire for guidance from reputable organisations on the usage of internet related tasks, particularly Gen Z (40%), Women, (37%), and borrowers in Tier 1 and Tier 2 (36% each), demonstrating a stronger demand for being equipped or educated to effectively manage online financial tasks.The How India Borrows 2024 study was conducted across 17 cities including Delhi-NCR, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad, Pune, Ahmedabad, Lucknow, Jaipur, Bhopal, Patna, Ranchi, Chandigarh, Ludhiana, Kochi, and Dehradun. The sample size consisted of approx. 2500 borrowers in the age group of 18-55 years, with an average income of Rs. 31,000 per month.About Home Credit IndiaHome Credit India Finance Pvt. Ltd. is a local arm of the international consumer finance provider Home Credit International with operations spanning Europe and Asia. The company is committed to drive credit penetration and financial inclusion by offering wide financial solutions that are simple, transparent, and accessible to all. Home Credit India has an employee base of 3800 and has been consistently expanding operations since its entry in 2012, with its operations spread over 625 cities across India. The company has a strong network of around 53,000 points-of-sale (PoS) and is growing with a customer base of over 17 million customers, driven by Pan-India expansion across major markets, a range of diversified and innovative products backed by superior customer experience.For more information, visit www.homecredit.co.in.
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news365times · 17 days ago
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[ad_1] Home Credit India, a local arm of the leading global consumer finance provider, has released the findings of its annual consumer study - How India Borrows. The sixth edition of the study reported a significant shift in borrowing patterns among the lower-middle-class consumers, transitioning from survival-driven borrowing to one fuelled by aspirations, entrepreneurship, and long-term investments. This transformation reflects India's evolving socio-economic landscape, where consumers are increasingly focused on improving their quality of life, empowered by greater access to credit and the growth of digital platforms.How India Borrows 2024Speaking on the sixth consumer study, Ashish Tiwari, Chief Marketing Officer, Home Credit India, said, "Our latest How India Borrows 2024 study highlights a transformational shift in the borrowing behaviour among the lower-middle-class borrowers. It shows an increasing preference towards borrowing for consumer durables and small business ventures and consumer's growing comfort with app-based banking, chatbots for customer service, WhatsApp payments, and digital literacy, reflecting not only the evolving financial aspirations of borrowers to enhance their lifestyle and income opportunities, but also the growing role of digital platforms in making credit more accessible. The study also points out the strong affinity towards embedded finance and EMI-based financing and the importance of raising awareness around data privacy. Keeping this in mind, Home Credit India remains committed to providing transparent, secure, convenient, and accessible financial solutions, empowering consumers on their journey towards a better quality of life and fostering a responsible and inclusive financial future for all, thus partnering with them in making their #ZindagiHit."Borrowing Behaviour Among ConsumersAccording to the study, most of the loans were taken to purchase consumer durables, followed by lending for business and house renovation. For example, borrowing for smartphones and home appliances increased from 1% in 2020 to 37% in 2024, indicating a continuous rise in borrowing for acquiring new technology and consumer durables. Borrowing for business expansion and start-ups jumped from 5% in 2020 to 21% in 2024, fuelling a sustained entrepreneurial momentum as individuals sought new income streams and opportunities, driven by pandemic-related economic shifts and strong government support for MSMEs through credit schemes and subsidies. Borrowing for home renovation/construction saw a modest rise, from 9% in 2022 to 15% in 2024, reflecting the rising consumer interest in improving living conditions, enhancing home value, an optimistic economic outlook, and a focus on long-term investment in assets.The study further showed stable trends in education loans, which remained at 4% from 2022 to 2024, underscoring the continued importance of children's education. Borrowing for marriages gradually increased from 3% in 2021 to 5% in 2024, highlighting the continued cultural importance of fulfilling social commitments. Interestingly, borrowing for medical emergencies has dropped significantly, from 7% in 2020 to 3% in 2024, which could be attributed to improved financial planning, more affordable healthcare options, and better access to insurance.Rise in Digital Financial TransactionsThe study indicated that as consumers become more tech-savvy, their borrowing habits are also shifting towards app-based banking, with 65% favouring it over browser-based banking (44%) in 2024. This trend reflects the consumers growing preference for convenience, 24/7 financial access over traditional branch visits, and heightened digital literacy. App-based banking is most popular among Millennials (69%), followed by Gen Z (65%) and Gen X (58%). Geographically, Metros lead with 71% adoption, followed by Tier 2 cities at 69%. Browser-based banking, meanwhile, sees higher usage among Gen Z and Millennials at 47% each, with Gen X having the lowest usage at 35%.
Online shopping has also shown a pattern of normalisation following the peak disruptions caused by the COVID-19 pandemic. In 2021, usage of online shopping hit 69% due to health and safety concerns but dropped to 48% in 2023 as restrictions eased. By 2024, it has slightly rebounded to 53%. Women (60%), Millennials (59%), Gen Z (58%), Metros and Tier 2 cities (56% each) now drive this trend. Kolkata (71%), Kochi (66%), Hyderabad (64%), Chennai (60%), and Ranchi (59%) are the top five cities in terms of online shoppers.Increased Usage of Chatbots and WhatsAppAs per the study, Chatbots are gaining traction in customer service, with 27% of middle-class borrowers citing familiarity with the tool, up 4% from last year. Awareness is stronger among Gen Z at 30%. Additionally, 38% of borrowers find chatbots easy to use for customer service, and 29% trust the responses provided by them.WhatsApp has also redefined the communication landscape, becoming a key channel in the lending space due to its user-friendly features and widespread adoption. It continues to gain prominence, with 59% of borrowers receiving loan offers via WhatsApp. Trust in loan offers received on WhatsApp has also grown, rising from 24% in 2023 to 26% in 2024, reflecting increasing confidence in this digital platform. Loan offers received on WhatsApp are prevalent among Gen Z (61%), and in Tier 1 cities (67%).Growing Adoption of Embedded Finance and EMI Cards Driven by their convenience in credit-related transactions, the adoption of innovative financial solutions, like embedded finance and EMI cards, is on the rise. There has been a nuanced shift in customer attitude towards embedded finance, with 43% of customers expressing interest in these services. Almost 50% of the borrowers in favour of embedded finance agree that embedded finance makes borrowing faster and e-commerce shopping simpler. For example, 64% favoured major e-commerce platforms (like Amazon, Flipkart, Meesho, etc), followed by 21% opting for travel apps (like MakeMyTrip, ClearTrip, etc.), and 23% using food delivery apps (like Zomato, Swiggy, etc).According to the study, interest in embedded finance is notably higher among Gen Z (55%) and Men (45%), highlighting a demographic divide in engagement. Additionally, customers in Tier 1 cities, particularly in urban centers, such as Lucknow (68%), Patna (53%), Ahmedabad (52%), Bhopal (52%), and Ranchi (52%), exhibited a greater propensity towards embedded finance.EMI Cards remained the most popular credit tool among the lower-middle-class borrowers in India, with 43% citing them as their preferred option due to greater trust and faster disbursals. Other popular sources for obtaining loans include credit cards, preferred by 24% of borrowers, and digital lending apps, preferred by 12%.Balance Between Digital Convenience and Human ConnectionA growing shift in loan acquisition patterns was noticed in the study, with 48% of borrowers opting to visit physical branches, underscoring the enduring preference for face-to-face interactions; 30% of borrowers opting to complete applications online, reflecting the growing confidence in technology and convenience; and 22% of borrowers relying on customer care representatives, highlighting the need for human intervention.Borrowing preferences differ notably by region. In Tier 1 and Tier 2 cities like Kochi (85%), Lucknow (73%), and Ranchi (69%), borrowers prefer physical branches, indicating that people value personal interaction and trust. Meanwhile, borrowers in metropolitan cities such as Bengaluru (64%), Hyderabad (53%), and Chennai (48%) increasingly lean towards online channels due to accessibility and tech familiarity, reflecting their openness to digital financial services.Interestingly, the preference for digital loan channels for future credit needs has declined by 10% from the previous year, signalling an increasing demand for more personalised, human-centred lending solutions. For financial companies, this shift
emphasises the need to enhance customer experiences by blending digital efficiency with empathetic human support, redefining the loan acquisition process to better resonate with modern consumers.Awareness of Data PrivacyThe study also highlighted a growing awareness gap regarding data privacy guidelines among borrowers. 24% of borrowers have claimed to have heard of the data privacy requirements that lending companies must implement, an 8% increase from last year, but this understanding is superficial as their knowledge on the subject is negligible. Nearly half (48%) of the lower-middle-class borrowers don't understand anything about the data protection guidelines, highlighting the need for increased transparency and education from financial institutions and regulators.In terms of comprehension of the data protection rules and guidelines, approximately 40% of borrowers claim to understand, with 38% recognising that these guidelines prohibit unauthorised data sharing. Borrowers from Kochi (49%) and Chennai (43%) seem to be more digitally advanced and claim to understand the usage of personal data. However, only 15% of borrowers are aware that these guidelines specifically pertain to the use of their data exclusively for the loan application process, a 3% increase compared to last year.The study also found that about 58% of borrowers are concerned about how their personal data is collected and used by lending apps. Almost half of the borrowers (57%) voiced that they don't have any control over their personal data with the lending apps, and 49% of the borrowers feel that the lending apps collect more data than required. Although less than one-fourth (23%) of the borrowers understand the usage of their personal data by lending apps, a strong demand for transparency exists as more than three-fourths (76%) of borrowers seek clarity on the usage of their personal data. Tier 1 (87%), Gen Z (80%), and Men (78%) are particularly interested in learning about the use of their personal data.Need for Financial LiteracyThe study also showed varying levels of interest in financial education. 15% of borrowers reported needing assistance while using internet banking, loan applications, payment wallets, and other critical online financial tasks, indicating that a notable portion of users, especially Women (17%), Gen X (24%) and borrowers in Tier 1 cities (18%), still encounter challenges or lack confidence in managing their financial activities digitally.33% of borrowers, on the other hand, expressed a desire for guidance from reputable organisations on the usage of internet related tasks, particularly Gen Z (40%), Women, (37%), and borrowers in Tier 1 and Tier 2 (36% each), demonstrating a stronger demand for being equipped or educated to effectively manage online financial tasks.The How India Borrows 2024 study was conducted across 17 cities including Delhi-NCR, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad, Pune, Ahmedabad, Lucknow, Jaipur, Bhopal, Patna, Ranchi, Chandigarh, Ludhiana, Kochi, and Dehradun. The sample size consisted of approx. 2500 borrowers in the age group of 18-55 years, with an average income of Rs. 31,000 per month.About Home Credit IndiaHome Credit India Finance Pvt. Ltd. is a local arm of the international consumer finance provider Home Credit International with operations spanning Europe and Asia. The company is committed to drive credit penetration and financial inclusion by offering wide financial solutions that are simple, transparent, and accessible to all. Home Credit India has an employee base of 3800 and has been consistently expanding operations since its entry in 2012, with its operations spread over 625 cities across India. The company has a strong network of around 53,000 points-of-sale (PoS) and is growing with a customer base of over 17 million customers, driven by Pan-India expansion across major markets, a range of diversified and innovative products backed by superior customer experience.For more information, visit www.homecredit.co.in.
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dsjjdhsjdh · 1 month ago
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Online Digital Marketing Course In India
The face of accessing clients is changing on account of digital marketing. While the world is going technically day by day, companies look forward to brilliant professionals who can help them have an upper hand in the terms of becoming prominent online. A digital marketing course that offers placement might be the gateway to a successful career. This blog covered the perks of digital marketing courses, what to look for in an ideal course, and how placement opportunities can start your career.
Why Take a Digital Marketing Course?
Digital marketing means conducting businesses through several forms of online strategies that involve selling a product or service via social media, SEO, content marketing, email marketing, and paid advertising. It is a relatively creative industry that calls for analysis and more technical skills. Here are some reasons why you should consider taking a digital marketing course
Demand for digital marketers is huge
This is a shift towards online business models, and the demand for every digital marketing expert for firms to maintain their competitive position is rising day by day. By a well-structured course, you will be fitted with this knowledge and application skills to meet the market needs.
Lucrative Career Opportunities
Digital marketers are a high pay scale due to the skills they command. Once you hone skills in demand, you can consider the roles of SEO specialist, social media manager, content strategist, or digital marketing manager, among others. Some courses even train in the freelancing aspect, which would give you the flexibility to shape your career. Advanced Skill Development
Digital marketing covers a wide range of skills from data analysis to creative content production. A really good course that extends its base will include all these dimensions with practical experience from trendy tools like Google Analytics, SEMrush, and platforms for social media management.
Up-to-date with the Latest Trends in the Industry
Online Digital marketing trends change very fast, so updating yourself is crucial. Courses are renewed regularly with new techniques and tools. Hence, you would be fully ready to face new challenges and opportunities. You can also be a difference maker in the job market.
Here are some things to think about when getting a digital marketing course:
Curriculum Coverage
All essential elements of digital marketing like SEO, content marketing, social media marketing, email marketing, web analytics, PPC (pay-per-click) advertising, and e-commerce strategies should be covered. This will give you a rich view of the subject.
Practical Experience
Look for courses that provide a real learning experience. Projects, case studies, and internships will give you practical experience and a deep understanding of tools and platforms deployed for digital marketing.
Master Trainers
Select a course that is guided by qualified masters with hands-on experience in digital marketing. Insights from the real-world will lend significant value to your learning process and give you practical tips to win in the industry.
Placement Support
placement support can be an important factor in starting a career. Choose courses that have companies that offer tie ups for placement. This can get you a job very quickly post finishing the course.
Certifications
If you have numerous certifications from reputable institutions, your resume could become really attractive. You can search for courses offering certification in Google Ads, HubSpot, or Facebook Blueprint areas since they receive lots of attention from employers.
Digital Marketing Course Options in Your Area
Online classes in combination with offline classes near your location can be availed. In Delhi, Mumbai, Bangalore and all other cities of India, you will find numerous options for digital marketing courses having placement support. Let's discuss a few renowned institutes offering these programs:
NIIT Digital Marketing Course
NIIT offers a digital marketing course certified by the Digital Marketing Institute, DMI. It covers nearly all areas of digital marketing including SEO, social media marketing, email marketing, and mobile marketing. One of the major features is placement assistance, and almost every student gets placed in top companies after completion.
Digital Vidya
Digital Vidya is perhaps one of the oldest digital marketing training gurus. Their course provides full-fledged training with industry-specific certifications in the areas of SEO, social media marketing, and inbound marketing. It also contains one of the most effective placement support teams that helps get students in touch with leading companies.
UpGrad
A collaboration between top-class universities, UpGrad offers course curricula from top institutions that focus on practical knowledge through projects. Placement assistance by them consists of career counseling, resume and interview preparation support.
Simplilearn
Simplilearn's digital marketing bootcamp allows you to learn at your own pace, but at the same time you will be eligible for hands-on experience with tools like Facebook Ads and Google Analytics. Placement services include job guarantee programs, along with interview coaching.
How Placement Assistance Helps You Start Your Career
Placement support in a program you enroll in makes your course more useful and ensures that you have the possibility of getting hired very shortly after you finish your course. Here are the benefits of placement help for you:
Direct Access to Employers
Institution with a placement assistance usually has contacts with companies offering employment in digital marketing. This will make you access the potential employer directly, thus increasing the chances of getting hired
Preparation on Resume and Interviews
Most placement programs will offer any number of workshops to help you build a professional resume and get ready for interviews. You will learn how to present your skills and experience to maximum effect, thus making a good impression on recruiters.
A Guaranteed Placement Opportunity
Some digital marketing courses guarantee placement-on-completion with a job offer, so you're sure to get a job on successful completion. These programs may be expensive, but they can be worth the money if you need a robust start in your career.
Internship
Placement assistance can also include internships that give you real-world experience. Sometimes, internship experience can result in permanent full-time jobs if you do well while the internship is running.
What to Expect after Course Completion
After the successful completion of your digital marketing course with placement, you will expect a number of jobs according to your skill set and experience. The typical job you would be doing after this course is these:
SEO Specialist
In this profile, you will be optimizing websites for higher ranks on search engines. Key tasks include keyword research, content optimization, and link-building strategies.
Social Media Manager
Social media managers are responsible for creating, activating, and measuring a company's social media strategy. This is a role that requires a great blend of creativity and analytics to engage users and grow a brand's online presence.
Content Marketer
If you enjoy writing and storytelling, content marketing can be the thing for you. Content marketers will create blogs, articles, videos, and other types of content designed to attract and engage target audiences.
PPC Specialist
PPC specialists run paid advertisements across media such as Google Ads and social media. In this job, one sets a budget, creates adverts, and tracks campaign performance.
Email Marketing Specialist
An email marketer performs the task of creating and managing campaigns to communicate to customers and prospects. One needs to be a good writer and well-versed in customer segmentation and automation.
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digitdigitech · 1 month ago
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Top Modern Web Design Trends in 2024
1 Blending Photos with Graphical Elements
Placing outstanding conceptual illustrations and photo shapes layered on pinnacle of everyday images emerges as an resourceful styling preference. Blending graphical logos, icons, and other elements on snap shots adds inventive flair. The visuals interplay whilst complementing each other rather than detracting. It infuses more color and dimension in comparison to lackluster inventory snap shots by myself. This technique additionally reinforces branding within pix. Experience excellence with wordpress web development company india, delivering customized solutions for your business.
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2 Frosted Glass Effects Becoming Prominent
Frosted glass as an overlay effect sits firmly on trend this yr. It applies a translucent yet blurred sheen atop backgrounds so textual content and important modules preserve clarity. The silhouettes of underlying imagery peek through with out being distracting. Frosted finish lends an upscale, delicate quality with flexible programs – clickable panels, inset boxes, and hero sections. The gentle blur and diffused mild reflections modernize designs aesthetically.
3 Immersive 3-D Interactive Experiences
Advanced interfaces incorporating expansive 3-d environments constitute an emerging possibility as interactive packages development. Web reviews are moving beyond static 2D product pics closer to practical virtual shops. Shoppers navigate specific virtual renderings, visualizing each angle of products dynamically. Car brands may additionally allow customizing features on a simulated automobile version. The spatial realism improves assessment and connections.
4. Retro and Nostalgic Designs
Retro aesthetics from preceding eras intertwine with present day techniques as new internet layout developments. Websites showcase factors evoking nostalgia for less difficult instances regardless of dwelling evermore digitally. Visual nods suggesting background, like distressing, crackled textures, pops of neon, pixelations, clumsy distortions, and reversion layouts faucet into crossover appeal. Warm familiarity contrasted by slick interactions heightens emotional resonance.
5. Better Web Accessibility With AI
Harnessing AI/ML era to empower internet site accessibility thrives as an emergent trend. Automation analyzes designs in opposition to modern-day requirements, imparting actionable guidelines to rectify issues impacting impaired users. Site developers even integrate real-time steerage in the course of advent to sell regularly occurring get admission to. The upward push of AI elevates contexts from technical necessities into inspiring opportunities to attain more people. Prioritize upgrades for the ones less served.
6. Engaging Interactive Elements
User participation takes vital importance as human beings assume charming adventures as opposed to static pages. Embedding quizzes, checks, interactive calculators, configurators, and other “gamified” gear encourages valued engagement. Website customers prefer tangible activities enabling self-discovery over restrictive one-way content material. Enable sticker and gif animations to reward development. Capture statistics consensually to customize similarly.
7. Dynamic Layouts
For a long time, web sites have trusted grid systems to define their layouts. However, as responsive layout will become greater famous, the conventions of grid systems are converting. This can make it more hard to create a steady look and sense across distinct devices. Modern trends adopt completely dynamic layouts with factors fluidly filling to be had viewable space. Images, text, and modules snap into choicest positions primarily based on display screen proportions and orientation parameters. Content prioritizes readability on both expansive desktops and tiny mobile devices. Unlock your website's potential with best wordpress website development company in india, offering innovative and tailored solutions.
8. Neon Glows
Minimalism retains its have an effect on as a leading technique for smooth interfaces with plenty of bad space. However, developments in internet layout in 2024 also undertake sparing neon accents critical into designs, now not simply patronizing decorations. For instance, glow animations hover along key moves users take or use neon masking atop pix. Distinct neon lighting concentrated round highlighted messages demonstrates refinement and purposefully catches the eye.
9. Intricate Illustrations
In 2024, custom vector illustrations may be used to outline emblem identities thru visual storytelling. These illustrations may have tricky information and marvelous gradients, styles, and perspective. They might be consistent in style and have emotional resonance. These illustrations can be used to depict an origin story or conceptualize an summary idea into tangible representations. They are present day internet layout developments that use tricky creative interpretations.
10. AI Design Tools
The prevalence of universal stock imagery is reducing as custom illustrations turn out to be extra inexpensive. Having firstly drawn vectors and art work on a internet site fosters authenticity and offers brands precise visual voices. Hand-drawn illustrations feel private, bring emotion, and help innovative standards absolutely come alive. As corporations intention for greater meaningful connections with audiences, custom illustrations, as one of the new internet design developments, help achieve that.
Conclusion
Implementing even some of those main net design developments can assist breathe new lifestyles into your online presence and depart internet site traffic with memorable impressions. Look out for these rising stars and pick out opportunities to adopt ones to make a internet site responsive. Deliver precisely the studies they desire even before realizing it consciously.
Getting the help of specialists to hold your internet site updated with net design traits will make the technique clean. Consider Invoidea, the fine web layout agency in Delhi, to sail your web site design boat effectively and efficiently.
Also Read : Affordable IT Staff Augmentation: Grow Your Business on a Budget
Role of AI in Digital Transformation: Capabilities and Benefits
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financemaster1 · 10 months ago
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The Modern Way to Secure Loans, Invest, and Make Payments
In a world buzzing with options, making the right choices for your financial needs can be overwhelming. From securing loans to making seamless payments, the landscape of financial services is evolving. Muthoot FinCorp ONE - a digital financial platform is designed to revolutionize the way you access loans, invest, and manage payments.
A World of Offerings Tailored for You
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Forex Simplified Exchange forex securely at competitive rates, ensuring hassle-free international money transfers with our 24-hour* guaranteed service and buy-back guarantee.
Payments and Recharges - Swift and Secure Seamlessly pay for anything, anytime, with zero wait time and 24x7 availability. From recharging your mobile or DTH connection to paying electricity, mobile, internet bills, and even vendor payments - experience a zero-
The Muthoot FinCorp ONE app is your key to unlocking a world of financial possibilities. Whether you need Gold Loans, wish to invest in Digital Gold, or trade Forex, the app delivers convenience at your fingertips. Expect regular updates and expanded services, as we strive to make financial management effortless for you.
At Muthoot FinCorp ONE, we're dedicated to simplifying your financial journey. From accessing loans and investments to managing payments, our goal is to provide a secure and reliable financial environment while enhancing your user experience.
Join the Muthoot FinCorp ONE community today and witness firsthand the ease and efficiency that modern financial services can offer. Your financial freedom begins here.
About Muthoot FinCorp ONE
Muthoot FinCorp ONE is an all-in-one digital financial platform that makes getting an MSME & a Gold Loan, investing in Digital gold & NCDs, making payments & remittances, buying insurance & exchanging forex, simple and convenient.
As an SBU of Muthoot FinCorp Limited, Muthoot FinCorp ONE is backed by a legacy stretching back over 135 years, and the trust of more than 1 crore customers and is building a holistic financial ecosystem using the latest digital products for lending, investing, protection and payments.
Muthoot FinCorp ONE continues to uphold the values of the parent, the Muthoot Pappachan Group (Muthoot Blue) by providing its customers with easily accessible services, replete with unmistakable quality. The Muthoot Pappachan Group is among India’s most reputed names in the financial services industry, with customers in diverse segments like Automotive industry, Financial Services, Hospitality, Alternate Energy, Real Estate, and Precious Metals.
So what are you waiting for? Head to the Play Store and download the Muthoot FinCorp ONE app. You can also visit the website today to know more.
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gauravverma5778 · 2 months ago
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VP Nandakumar on the Everlasting Popularity of Gold Loans in the Indian Financial Market
"The rise of digital banking and financial technology has created a great opportunity for gold lenders to reach new customers and simplify their operations," says VP Nandakumar, CEO and Managing Director of Manappuram Finance. "By adopting these technologies, companies can provide more personalized and efficient services, strengthening their role in India's organized lending market."
In India, gold has always been valued not just as a symbol of wealth, but also as an important financial asset. Traditionally, Indian households have used gold as a way to store value and as a safety net during tough financial times. It has also been a popular tool for informal borrowing, where people would pledge their gold to get quick loans from local moneylenders.
However, the gold financing industry has changed significantly over the years, especially with the introduction of new financial products and more organized lending options. In this evolving landscape, Manappuram Finance, led by Nandakumar, has been a key player in modernizing gold loans and reaffirming their importance in India's financial system.
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global-newz · 2 months ago
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Top Real Estate Trends in 2024 That Will Shape the Market
The Indian real estate market thrived in 2023, witnessing a notable increase in new launches and home sales. This positive momentum is anticipated to continue into 2024, demonstrating the sector's resilience amid market fluctuations. Despite recent ups and downs, investor confidence remains high, with optimistic forecasts for growth in the coming years. The overall economic indicators, including a rebound in the stock market and anticipated job creation, are likely to fuel demand for housing as more individuals enter the market.
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Key Trends for 2024: Rise of Shop-cum-Offices (SCOs): Shop-cum-offices, a popular commercial real estate segment, have gained traction, particularly in Gurugram, a leading market in the National Capital Region. The introduction of new SCO plots for development has spurred investment, providing attractive returns for early investors through longer leases and steady cash flow. Digital Transformation in Home Buying: The pandemic accelerated the shift to digital platforms in real estate. Homebuyers are now leveraging online tools for everything from property viewings to loan applications. This trend will continue to shape the buying and selling landscape in 2024. Sellers' Market Dynamics: The 2024 housing market is expected to favor sellers, with rising demand and limited supply driving prices up. First-time buyers from Generation Y will contribute to increased demand for residential and commercial spaces. Increasing Property Prices: As demand rises in a sellers' market, property prices are likely to increase. Homebuyers are increasingly willing to pay above asking prices to secure properties. Rising Interest Rates: The era of low-interest rates is ending. Geopolitical factors and inflation pressures will lead to higher lending rates, affecting buyers' purchasing power. Growth in Tier-II City Markets: Investment is shifting towards tier-II and tier-III cities, fueled by government initiatives like AMRUT and the Smart Cities Mission. These cities are becoming attractive residential hubs due to job growth and connectivity to larger metropolitan areas. Rental Market Slowdown: The desire for homeownership has surged post-pandemic, leading to reduced demand for rental properties in metropolitan areas. Many individuals now prefer buying over renting, which is expected to slow the rental market. Expansion of Office Leasing: The demand for office spaces, particularly in IT and retail, is set to rise in 2024. E-commerce and logistics companies will seek warehousing investments, marking a significant growth area in commercial real estate. Conclusion: Investing in Indian real estate remains a compelling choice, with ongoing trends indicating a robust market. As sales increase and new patterns emerge, prospective buyers will recognize the value of owning real estate assets. With 2023 laying the groundwork, these trends are likely to persist and evolve in 2024, reflecting the dynamic nature of the market. Adani Realty stands out in this landscape, renowned for its commitment to quality and luxury in real estate development. The company offers a blend of innovative design and state-of-the-art construction techniques, ensuring a premium living experience for residents in India’s burgeoning urban centers.
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mordormr · 2 months ago
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Exploring the India Fintech Industry: A Market Research Perspective
Introduction
The Indian fintech market is projected to be valued at approximately USD 111.14 billion in 2024 and is anticipated to grow to USD 421.48 billion by 2029. This represents a robust compound annual growth rate (CAGR) of 30.55% during the forecast period from 2024 to 2029.
India’s fintech industry is on a remarkable growth trajectory, driven by a blend of technological innovation, a burgeoning digital economy, and supportive regulatory frameworks. As of 2023, the Indian fintech market has reached an impressive valuation, and projections suggest that it will continue to expand rapidly. This blog will delve into key trends, opportunities, challenges, and the future landscape of the fintech sector in India.
Current Market Landscape
Growth Metrics
According to recent market research, India’s fintech industry was valued at over $31 billion in 2023 and is expected to grow at a compound annual growth rate (CAGR) of around 24% over the next few years. Factors contributing to this growth include:
Rising Internet Penetration: With over 800 million internet users, the digital landscape in India is ripe for fintech innovations.
Smartphone Adoption: The widespread use of smartphones has facilitated easier access to financial services, particularly in rural areas.
Government Initiatives: Programs like Digital India and the introduction of the Unified Payments Interface (UPI) have revolutionized payment systems.
Key Trends Shaping the Fintech Ecosystem
Digital Payments Surge Digital payment systems are at the forefront of the fintech revolution. UPI transactions have skyrocketed, indicating a shift from cash to digital. Market research shows that UPI accounted for over 60% of all digital payments in India.
Lending Innovations Peer-to-peer (P2P) lending platforms and alternative credit scoring models are transforming the lending landscape. Startups are leveraging AI and machine learning to assess creditworthiness, making loans accessible to previously underserved segments.
Insurtech Growth The insurance technology sector is gaining momentum, with companies offering personalized and on-demand insurance products. The rise of microinsurance is particularly noteworthy, catering to low-income households.
Blockchain and Cryptocurrency While regulatory uncertainties exist, blockchain technology is being explored for various applications, from cross-border payments to supply chain management. Cryptocurrency adoption, albeit cautious, is growing, with a youthful demographic leading the charge.
WealthTech and Investment Platforms Robo-advisors and investment platforms are democratizing wealth management, making it easier for individuals to invest with lower fees and higher transparency.
Challenges Facing the Industry
Despite its rapid growth, the fintech sector in India faces several challenges:
Regulatory Hurdles: Navigating the regulatory landscape can be complex, with changing policies and compliance requirements.
Cybersecurity Threats: As digital financial services expand, the risk of cyberattacks becomes a pressing concern, necessitating robust security measures.
Financial Literacy: While digital adoption is increasing, financial literacy remains a significant barrier for many consumers, particularly in rural areas.
Future Outlook
The future of the fintech industry in India looks promising, with several factors poised to drive further growth:
Increased Investment: Venture capital and private equity investment in fintech startups are expected to surge as investors seek opportunities in this vibrant market.
Collaboration with Traditional Banks: Partnerships between fintech companies and traditional financial institutions can create synergies, expanding the reach of innovative solutions.
Emphasis on Financial Inclusion: As fintech solutions become more accessible, the focus on serving unbanked and underbanked populations will play a crucial role in shaping the industry.
Conclusion
The Indian fintech industry is a dynamic and rapidly evolving sector, presenting immense opportunities for innovation and growth. With favorable demographics, technological advancements, and a supportive regulatory environment, the future is bright for fintech in India. As market research continues to shed light on consumer behaviors and emerging trends, stakeholders must remain agile and responsive to capitalize on this exciting landscape.
In summary, the Indian fintech industry is not just about technological advancements; it's about transforming the financial landscape to create an inclusive economy. The journey ahead will be marked by innovation, collaboration, and a steadfast commitment to serving diverse consumer needs.
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sammarketer · 2 months ago
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Paytm Share Price Target for 2024, 2025, 2027, 2030, and 2035: An Outlook
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Paytm, a significant player in India’s fintech ecosystem, operates under One97 Communications Ltd. With its rapid expansion into services such as digital payments, lending, insurance, and financial services, Paytm has captured the attention of investors. As India continues its digitalization journey, understanding the future performance of Paytm's share price is vital for long-term investors. Here, we explore Paytm's projected share price targets for 2024, 2025, 2027, 2030, and 2035.
Paytm Share Price Target for 2024
With increased digital adoption, particularly post-pandemic, Paytm’s role in facilitating digital payments has been pivotal. By 2024, Paytm will likely continue benefiting from the government’s push for a cashless economy and the growing number of users opting for online transactions. Its venture into financial services like insurance and lending will also act as growth catalysts.
Paytm share price target 2024: â‚ą500 - â‚ą600
This range reflects Paytm’s strong position in India’s digital payments ecosystem, although external competition from global and local fintech companies remains a challenge.
Paytm Share Price Target for 2025
By 2025, Paytm will likely be expanding further into sectors like lending, insurance, and wealth management, leveraging its large user base and data-driven approach. Additionally, governmental initiatives such as “Digital India” and “Aatmanirbhar Bharat” may continue to foster a conducive environment for Paytm’s growth.
Paytm share price target 2025: â‚ą650 - â‚ą750
The paytm share price prediction 2025 considers Paytm’s revenue growth through financial services, merchant partnerships, and digital payment expansion. However, investors should also be cautious about factors like competition from Google Pay, PhonePe, and the regulatory landscape.
Paytm Share Price Target for 2027
The year 2027 could be transformative for Paytm. Its expansion into untapped sectors and focus on rural India through lending and financial services will be key. The company's strategic partnerships, along with innovations in AI and machine learning, will likely streamline user experiences and boost its growth trajectory.
Paytm share price target 2027: â‚ą850 - â‚ą1000
The paytm share price target 2027 is built on Paytm’s ability to attract a larger customer base, expand merchant services, and maintain its market share despite growing competition. By then, the fintech sector is expected to be highly competitive, making innovation essential for growth.
Paytm Share Price Target for 2030
By 2030, Paytm may be well-established as a financial services conglomerate, offering a wide range of products, from payments and insurance to digital banking. Technological advancements like blockchain, AI-driven financial services, and personalized wealth management will play an important role in defining its long-term value.
Paytm share price target 2030: â‚ą1200 - â‚ą1500
The paytm share price prediction 2030 reflects the growing relevance of fintech companies like Paytm in India's economy. Assuming the company maintains a stronghold in digital payments and expands into wealth management and lending, it has the potential to reach these levels.
Paytm Share Price Target for 2035
Looking further into the future, by 2035, Paytm could solidify itself as a global fintech leader. Its presence in multiple sectors, combined with international expansion, could define its success in the long term. Adoption of decentralized finance (DeFi) technologies, along with diversification in international markets, may drive exponential growth.
Paytm share price target 2035: â‚ą1800 - â‚ą2200
The paytm share price target 2035 accounts for the company’s continued leadership in digital payments and financial services. The possibility of international market penetration, alongside technological innovations, will likely enhance Paytm’s growth trajectory.
Factors Influencing Paytm's Future Share Price
Paytm’s share price projections hinge on a variety of factors:
Market Expansion: Paytm’s ability to enter new markets, especially in underserved regions, will be crucial for its growth.
Regulatory Environment: Changes in Indian government policies related to digital payments, data protection, and fintech regulations could either help or hinder Paytm’s growth.
Competition: Competitors like Google Pay, PhonePe, and other fintech companies pose challenges. Paytm’s innovation and market adaptation will play an important role in maintaining its market share.
Technological Innovation: Paytm’s use of advanced technologies such as AI and blockchain can give it a competitive edge and potentially create new revenue streams.
Strategic Partnerships and Acquisitions: Collaborating with other fintech players or acquiring smaller firms could help Paytm scale faster, expand services, and boost its share price.
Risks to Consider
Investors should be aware of certain risks when considering Paytm’s stock for the long term:
Market Volatility: Fintech stocks are sensitive to global market fluctuations. Economic downturns, interest rate changes, or a decline in consumer spending could negatively impact Paytm’s stock.
Intense Competition: The influx of global fintech companies into India increases the competitive pressures on Paytm.
Dependence on the Indian Economy: Paytm’s growth is largely dependent on India’s economic environment. A slowdown or unfavorable regulations could hurt the company’s expansion plans.
READ ALSO:- Top 10 Biggest States in India by Area
Conclusion
Paytm’s share price targets for 2024, 2025, 2027, 2030, and 2035 indicate potential growth, driven by its dominant position in digital payments and expansion into other financial services. As the company continues to innovate and diversify, investors can expect a positive outlook for the stock. However, it’s essential to stay informed about Paytm’s competitive landscape, regulatory changes, and technological advancements when considering a long-term investment.
For more insights on Paytm and other stock predictions, stay tuned to India Property Dekho for expert analysis and updates.
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