Bank Loans Against Fixed Deposits Rise 43.2% to ₹2.04 Lakh Crore
Loans against fixed deposits grew 43.2% in August, reaching ₹2.04 lakh crore as banks pivot toward low-risk collateralised lending to manage credit-to-deposit ratios.
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India Inc Credit Resilience Faces Geopolitical Headwinds in H2FY27
While India Inc maintained credit resilience in H1FY27, rating agencies warn of potential pressure in H2 due to West Asia tensions and rising energy costs.
Read articleRBI Data: Medium Industry Credit Grows 32% as Industrial Lending Surges
Bank credit to industry rose 18% in August, led by a 32% jump in medium-industry lending. This shift signals a pivot toward mid-market MSME portfolios for Indian lenders.
Read articleTamil Nadu 187th SLBC: Strategic Shifts in MSME and Agri Credit
The 187th SLBC meet in Tamil Nadu signals a shift toward targeted credit expansion in MSME and Agri-allied sectors, requiring lenders to recalibrate district-level strategies.
Read articleThe Shift in Credit Consumption: UPI vs Cards in the ₹2,000-5,000 Segment
Credit card volumes rose 28.1% as average transaction values fell 17.4%, signalling a shift toward low-ticket credit via RuPay-on-UPI and new merchant dynamics.
Read articleIRDAI Commission Caps: Navigating the 2% Credit-Life Limit
Proposed IRDAI commission caps of 2% for credit-life products will force a radical recalibration of fee-income models for Indian bancassurance and NBFC distribution arms.
Read articleRBI Bulletin: Credit Creation May Not Be Constrained by Deposits
The RBI challenges the 'deposit-first' lending model, suggesting credit creation can precede liability mobilisation in a modern, digital banking ecosystem.
Read articleIRDAI 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.
Read articleState 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 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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