SEBI registered Category 1 Merchant Banker
Indcap Advisors Pvt. Ltd. was founded with a vision to provide world class service to clients and ensure client satisfaction at all points of time, while adhering to the best practices and business ethics. Over the last 25 years Indcap has been providing customized solutions in the areas of Corporate Finance, Consultancy and best-in-class Advisory. We have developed a track record of advising 500+ clients (aggregating to transactions worth 1 lakh crores+) across industries, businesses sizes and ownership structures from family-owned businesses to professionally managed Companies; successfully. We have extensive experience, in-depth domain understanding and knowledge of Businesses across sectors.
Unsecured Loans – An Easy Borrowing !
Over the past few years, a section of the vast Indian middle class has reined in spending on non-essentials, amid high inflation and many have been buying consumergoods on credit. One of the key drivers of consumption are unsecured loans that do not require any collateral. The world of unsecured lending has attracted the attention of the Reserve Bank of India and it has been advised to the NBFCs and HFCs to remain alert in terms of granting consumer credits. Retail loans in the Indian banking sector grew at a compounded annual growth rate of 24.8% between March 2021 and March 2023. Banks unsecured loan portfolio amounted to Rs. 12 lakh crores as on July 2023. Delinquency rates in case of unsecured loans are not very high, however, responsible lending, continuous portfolio monitoring and controlling concentration risk is essential for sustaining the growth momentum of retails/unsecured loans. Digital and information-oriented lending are fuelling the growth of retail credit, especially unsecured loans. Growing debts and lagging income growth could pose a matter of concern as repayment obligations have been on the rise in the recent times with income levels not picking up at the same pace. Indcap Advisors has been instrumental in channelising loans (whether secured or unsecured) for its clients and fuelling their growth. We have in place an efficient time who will hear you out and advise on the best possible source of funding for your organisation keeping in mind the liquidity health of your business. Source: Picture – Image Source 1: Google.com Data –
Fractional Ownership in Companies
Fractional shares are partial shares of a company’s stock, allowing investors to purchase a portion of a unit of stock rather than a whole unit. This allows individuals with limited capital to participate in the stock market. Fractional shares/ownership has gained traction in the US Markets but unlike the US, India is in its nascent stages of fractional investing, still at the helm of regulatory scrutiny. However, India should be no exception to this groundbreaking concept of fractional shares and in order to promote the growth of fractional ownership in India, a clear and tailored regulatory framework is essential to address the unique challenges of fractional ownership while ensuring investor protection and market integrity at all times. To make fractional ownership a success, it is pertinent to educate investors in Indiaabout the advantages and risks of fractional ownership for informed decision-making and building confidence. Simultaneously, brokerage firms should also be encourage to adopt practices through collaborations with depositories and other innovative technologies. In this evolving investment landscape, we at Indcap Advisors Pvt. Ltd. as SEBI registered category I Merchant Banker could be your single point solution for all your capital markets and capital raising needs. Source: Picture – Image Source 1: Google.com Data –
Unsecured Loans – An Easy Borrowing !
Over the past few years, a section of the vast Indian middle class has reined in spending on non-essentials, amid high inflation and many have been buying consumergoods on credit. One of the key drivers of consumption are unsecured loans that do not require any collateral. The world of unsecured lending has attracted the attention of the Reserve Bank of India and it has been advised to the NBFCs and HFCs to remain alert in terms of granting consumer credits. Retail loans in the Indian banking sector grew at a compounded annual growth rate of 24.8% between March 2021 and March 2023. Banks unsecured loan portfolio amounted to Rs. 12 lakh crores as on July 2023. Delinquency rates in case of unsecured loans are not very high, however, responsible lending, continuous portfolio monitoring and controlling concentration risk is essential for sustaining the growth momentum of retails/unsecured loans. Digital and information-oriented lending are fuelling the growth of retail credit, especially unsecured loans. Growing debts and lagging income growth could pose a matter of concern as repayment obligations have been on the rise in the recent times with income levels not picking up at the same pace. Indcap Advisors has been instrumental in channelising loans (whether secured or unsecured) for its clients and fuelling their growth. We have in place an efficient time who will hear you out and advise on the best possible source of funding for your organisation keeping in mind the liquidity health of your business. Source: Picture – Image Source 1: Google.com Data –
Fractional Ownership in Companies
Fractional shares are partial shares of a company’s stock, allowing investors to purchase a portion of a unit of stock rather than a whole unit. This allows individuals with limited capital to participate in the stock market. Fractional shares/ownership has gained traction in the US Markets but unlike the US, India is in its nascent stages of fractional investing, still at the helm of regulatory scrutiny. However, India should be no exception to this groundbreaking concept of fractional shares and in order to promote the growth of fractional ownership in India, a clear and tailored regulatory framework is essential to address the unique challenges of fractional ownership while ensuring investor protection and market integrity at all times. To make fractional ownership a success, it is pertinent to educate investors in Indiaabout the advantages and risks of fractional ownership for informed decision-making and building confidence. Simultaneously, brokerage firms should also be encourage to adopt practices through collaborations with depositories and other innovative technologies. In this evolving investment landscape, we at Indcap Advisors Pvt. Ltd. as SEBI registered category I Merchant Banker could be your single point solution for all your capital markets and capital raising needs. Source: Picture – Image Source 1: Google.com Data –
