SBI’s Economic Research Department advocates for structured loan restructuring and state cost-sharing to mitigate agricultural losses without resorting to credit-eroding waivers.
Read articleManappuram Finance reports a tenfold increase in Stage 2 gold loans, triggering a strategic shift toward one-year bullet loan structures to stabilise asset quality.
Read articleProtean eGov and Yubi have partnered to integrate digital identity and KYC into India’s credit ecosystem, aiming to streamline B2B lending and accelerate disbursement cycles.
Read articleRevised co-lending frameworks may end upfront loan monetisation through direct assignment, forcing NBFCs toward long-term interest income models.
Read articleSmall Finance Banks are lobbying the RBI to relax the 75% PSL mandate and the 50% small-ticket loan cap to enable better portfolio diversification and risk management.
Read articleNBFC credit grew 15.4% YoY in September, fueled by a 66% rise in gold loans, while industrial lending remains sluggish, shifting focus to retail assets.
Read articleRising Stage 2 assets and 90-day overdues at major NBFCs signal emerging borrower stress in the gold loan segment, traditionally viewed as a safe-haven asset class.
Read articleA 42% surge in bank-to-NBFC lending triggers regulatory scrutiny over systemic interdependencies and the sustainability of refinancing-led growth models in India.
Read articlePNB Housing Finance pivots back to wholesale lending with a 4x growth target, signaling renewed risk appetite in the Indian corporate real estate sector.
Read articleIndia’s private capex pipeline has grown fourfold since 2014, reaching ₹99.7 lakh crore. Lenders now face heightened concentration risks in capital-intensive sectors.
Read articleHDFC Bank introduces a tiered loan model for electric vehicles, applying different LTV ratios to the vehicle body and battery to manage residual value risks in green mobility.
Read articleFirst Loss Default Guarantee arrangements draw regulatory scrutiny across digital lending.
Read articleRising unsecured consumer credit prompts tighter risk weights and portfolio discipline.
Read articleWhat a modern mobile LOS must do, from lead capture and KYC to deviation handling and disbursal.
Read articleA public repository of digital lending apps aims to separate regulated players from rogue ones.
Read articleA round-up of the regulatory changes shaping NBFC growth and compliance priorities.
Read articleFixed Obligation to Income Ratio explained, and how lenders use it to underwrite retail loans.
Read articleFortnightly credit bureau reporting changes what lenders see and how fast they see it.
Read articleULI promises frictionless credit data flow. Here is what it means for lenders on the ground.
Read articleSales professionals from startups to Fortune 500 companies in over 20 countries improve their productivity with Toolyt every day.
