Is baar festive sale mein scene thoda alag hai. Inflation aur electronics ke price badhne se average order value **7-8%** gir gaya hai. Log shopping toh kar rahe hain, par ab **50%** log credit yaani no-cost EMI ka sahara le rahe hain.
Festive sale mein thandi demand
Is saal festive season mein logon ka spending pattern kaafi change ho gaya hai. Pichle saal ke muqable average order value mein 7-8% ki gawat aayi hai. Iska sabse bada reason hai big-ticket items, khaas karke smartphones, jo pichle saal ke comparison mein lagbhag 15% mehenge ho gaye hain.
EMI ka sahara
Mehengi cheezein khareedne ke liye log shopping chhod nahi rahe, balki payment method badal rahe hain. Amazon India jaisi platforms ki reports ke mutabik, no-cost EMI ka use 30% se badhkar seedha 50% par pahunch gaya hai. Log TV, laptops aur premium devices lene ke liye ab credit par depend kar rahe hain taaki monthly budget manage ho sake.
'Value Commerce' ka zamana
Ek aur bada trend ye hai ki ₹500 se kam ke products ab total transactions ka lagbhag aadha hissa ban chuke hain. Iska matlab hai ki log ab premium upgrades ke bajaye budget-friendly cheezon ko zyada priority de rahe hain.
Investors ke liye kya hai insight?
Market mein ye situation dual-sided hai. Retailers ke liye volume growth toh bani hui hai, lekin lenders aur financial services sector ke liye risk badh gaya hai. Agar EMI ka burden households ke liye zyaada hua, toh future mein asset quality issues aa sakte hain. Wahi dusri taraf, 60-65% orders ab Tier-2 aur Tier-3 cities se aa rahe hain, jo dikhata hai ki digital economy ki reach badh rahi hai.
Ab aane wale hafton mein ye dekhna hoga ki kya festive momentum maintain rahega ya consumption expectations se neeche girega. Investors ko volume growth aur profit margins par nazar rakhni chahiye.