Maharashtra Drought Stress Signals Rising Q3 Credit Costs for MFIs
CreditAccess Grameen flags repayment extension requests in Maharashtra due to drought, signaling localized credit cost spikes for rural lenders in the third quarter.
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Bajaj Finance Pivots to Term Loans Amid Proposed RBI Revolving Credit Ban
Bajaj Finance prepares new term-loan variants effective November 1 as the RBI considers a ban on revolving credit for NBFCs, impacting product design and profitability.
Read articlePNB Targets 21% MSME Credit Growth Amid Festive Demand
Punjab National Bank pivots toward high-yield MSME and retail segments to sustain profitability and asset quality through the third quarter.
Read articleICICI Bank Shrinks Credit Card Book to Prioritise Asset Quality
ICICI Bank reports a 9.7% YoY decline in its credit card book as it exits unprofitable micro-segments and pivots toward risk-adjusted profitability.
Read articleHDFC Bank Signals Shift to Securitisation for Home Loan Growth
HDFC Bank plans to leverage sell-downs and securitisation for its home loan portfolio to counter price competition and improve capital efficiency in a commoditised market.
Read articleMFI Sector Reaches Five-Year Peak in Lending Portfolio Share
Microfinance institutions now dominate the credit mix at nearly 40%, marking a structural shift in the Indian lending landscape and portfolio concentration risks.
Read articleUPI Players Pivot to Merchant Services and Embedded Lending
UPI payment firms are shifting focus from transaction fees to high-margin merchant services, including MSME lending and automated reconciliation tools.
Read articleIndian Corporates Pivot to Bank Loans Amid Rising Bond Yields
Rising bond borrowing costs are driving Indian NBFCs and wholesale sectors back to bank credit, reshaping the corporate lending landscape for the current fiscal year.
Read articleNBFCs Lead as Average PV Loan Size Reaches ₹8.2 Lakh
TransUnion CIBIL data shows a 49% rise in passenger vehicle loan sizes over seven years, with NBFCs dominating the two-wheeler and PV financing segments.
Read articleEmbedded Finance vs. High-Touch Models in Indian NBFC Lending
NBFC leaders identify a strategic divide: embedded finance will drive micro-credit access, while housing finance remains dependent on high-touch physical distribution models.
Read articleRBI Mandates Account Aggregator Interoperability for Lenders
The RBI has enabled Account Aggregator interoperability to streamline consent-based data sharing, accelerating credit assessment and risk profiling for Indian financial institutions.
Read articleNBFC Gold Loans Surge 69.1% as Retail Credit Reaches ₹60.64 Lakh Crore
RBI data shows a 69.1% surge in NBFC gold loans and 15.8% overall credit growth, signaling a strategic shift toward secured retail assets in the Indian non-bank sector.
Read articleKotak Mahindra Bank AI Training: Reimagining SME Credit Resilience
Kotak Mahindra Bank is partnering with IITs to train SME promoters in AI-native models, shifting from traditional lending to ecosystem enablement for portfolio resilience.
Read articleAnalyzing the Surge in Loans Against FCNR(B) Deposits
Indian banks are utilizing RBI's FCNR(B) special facility to offer multi-fold leverage, impacting credit-to-deposit ratios and treasury risk management strategies.
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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