=== Trends ===
==== India - A consumption boom is taking place ====
* According to study by Bank of Baroda, India is riding a CAGR growth in excess of 35% for the last 5 years in 'retail loans' category
[[Image:Credit boom in India.jpg|thumb|center|600px|Consumption boom]]
==== Expensive weddings ====
* [[Image:Expensive weddings.jpg|thumb|center|600px|Wedding Insurance]]
==== Gold - Helping India's middle class create assets while enjoying lifestyle====
* Jewellers in India give lose guarantees that upon return of the jewellery, value of the metal in jewellery adjusted for workmanship costs will be redeemed. This acts as a big incentive for people to invest in jewellery as principal amount is secure. However, there is no formal guarantee mechanism to ensure the contract.
[[Image:Jewellery finance.jpg|thumb|center|600px|Cheaper loans for jewellery]]
==== Microfinance ====
[[Image:PersFin Microfinance.jpeg|thumb|center|250px|Microfinance is a major trend in India]]
* 1.4 million microfinance groups in India