Gold Loan Growth: Analyzing the Shift to Repeat Borrowing
Growth in the gold loan sector is currently driven by rising gold prices and repeat customers, signaling potential market saturation and increased risk for NBFCs.
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Fresh Lending Rates Ease as Banks Manage Margin Pressures
Analysis of the divergence between easing fresh lending rates and rising MCLRs, signaling a shift in the pricing cycle for Indian banks and NBFCs.
Read articleMSME Bodies Contest RBI Proposed Curbs on NBFC Revolving Credit
Industry bodies warn that proposed RBI restrictions on NBFC revolving credit could increase borrowing costs and trigger a working capital squeeze for Indian MSMEs.
Read articleSIDBI and RRBs Scale Rule-Engine Co-Lending for Rural MSMEs
SIDBI and Regional Rural Banks are expanding a rule-engine-based co-lending framework to digitise MSME credit delivery and diversify rural loan portfolios.
Read articleRBI's Proposed Curb on NBFC Revolving Credit: MSME Funding Impact
The RBI's proposal to restrict NBFCs to term-only loans could force a massive overhaul of credit-line products and digital lending stacks for MSME-focused lenders, potentially impacting MSME funding.
Read articleHDFC Bank Retail Deposit Shift: Implications for Private Lenders
HDFC Bank’s retail deposit share fell to 55.9% in FY26, signaling a shift toward wholesale funding and a potential rethink of granular liability strategies for Indian banks.
Read articleGodrej Capital, Indel Money Co-Lending: Gold Loan Market Expansion
Godrej Capital and Indel Money's co-lending partnership for gold loans marks a strategic move into a specialized segment, highlighting evolving collaboration models in Indian BFSI.
Read articleSFBs Seek Co-Lending Access: Implications for BFSI Partnerships
Small Finance Banks (SFBs) are lobbying the Reserve Bank of India (RBI) for permission to engage in co-lending activities. This move could reshape partnership dynamics across the Indian BFSI sector.
Read articleRBI Draft Norms: Standardising Loan Pricing for Indian BFSI
The RBI's proposed guidelines on loan pricing methodology could reshape how banks, NBFCs, and HFCs structure interest rates, impacting product strategies and competitive dynamics.
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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