IRDAI Commission Caps: Analyzing PBT Sensitivity for Lenders
New IRDAI reforms target insurance commission structures, creating significant PBT sensitivity for L&T Finance, Axis Bank, and leading NBFCs.
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State Governments Push for Cash Flow-Based Lending in BFSI
Indian states are urging banks to transition from collateral-heavy models to cash flow-based lending to support high-growth sectors like data centres and green energy.
Read articleNBFC Funding Costs Rise Amid Surging Bank Credit Exposure
NBFCs face margin pressure as bank credit exposure hits 32% YoY growth. Lenders must now diversify liability mixes and recalibrate pricing strategies.
Read articleAnalysing the ₹25 Lakh Crore Credit Potential from FCNR(B) Deposits
SBI Research estimates FCNR(B) inflows could unlock ₹25 lakh crore in credit capacity, offering a vital liquidity buffer for Indian lenders facing tight domestic deposit growth.
Read articleCGSMFI 2.0: Analysing the Gap in Credit Guarantee Utilisation
The CGSMFI 2.0 scheme sees low uptake, with only Rs 8,000-9,000 crore utilised out of a Rs 20,000 crore pool, highlighting structural hurdles for small lenders.
Read articleRBI Evaluates Systemic Risks in NBFC Revolving Credit Facilities
The RBI is conducting a dual-level risk assessment on revolving credit, signaling potential regulatory tightening for NBFC unsecured lending and liquidity frameworks.
Read articleIOB and novio Launch FD-Backed RuPay Card for Credit Inclusion
Indian Overseas Bank and novio launch a co-branded RuPay credit card focused on FD-backed onboarding for new-to-credit segments.
Read articleUCO Bank Integrates GST-Based Underwriting for MSME Lending
UCO Bank and ScoreMe launch GST Smart to automate MSME credit appraisals using GST filings, shifting toward cash-flow-based digital lending models.
Read articleNPCI Unveils Branchless Deposits and Instant Credit Protocols
NPCI's latest UPI innovations for credit access and cash services signal a shift toward fully decentralized banking operations for Indian lenders.
Read articleNBFC Credit Growth Reaches 14.9% in July 2026
NBFCs outpaced the broader banking sector with 14.9% growth in July 2026, driven by high demand in gold jewellery and consumer durable loan portfolios.
Read articleBandhan Bank Enters Credit Card Market with Mastercard Partnership
Bandhan Bank transitions toward full-service retail banking by launching a four-tier credit card portfolio in collaboration with Mastercard to leverage its micro-lending footprint.
Read articleRBI Warns NBFCs: Concerns Over FLDG Model in Loan Disbursement
First Loss Default Guarantee arrangements draw regulatory scrutiny across digital lending.
Read articleRBI Red Flags NBFC Consumer Credit: Implications and Future Outlook
Rising unsecured consumer credit prompts tighter risk weights and portfolio discipline.
Read articleA Study on Essential Features for Mobile Loan Origination Solutions
What a modern mobile LOS must do, from lead capture and KYC to deviation handling and disbursal.
Read articleRBI's New Repository: Regulating Digital Lending Apps and Protecting Consumers
A public repository of digital lending apps aims to separate regulated players from rogue ones.
Read articleLatest Regulatory and Growth Updates in India's NBFC and Lending Sector
A round-up of the regulatory changes shaping NBFC growth and compliance priorities.
Read articleUnderstanding FOIR: A Key Metric for Loan Approval in Lending
Fixed Obligation to Income Ratio explained, and how lenders use it to underwrite retail loans.
Read articleRBI's New Guidelines on Credit Information Reporting: Key Highlights
Fortnightly credit bureau reporting changes what lenders see and how fast they see it.
Read articleDetailed Analysis and Findings on Unified Lending Interface (ULI)
ULI promises frictionless credit data flow. Here is what it means for lenders on the ground.
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