Analysing Asset Quality Shifts in India’s Gold Loan Sector
Rising 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.
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PNB Housing Finance Targets ₹3,000 Crore Corporate Loan Book
PNB Housing Finance pivots back to wholesale lending with a 4x growth target, signaling renewed risk appetite in the Indian corporate real estate sector.
Read articleHDFC Bank Decouples EV Body and Battery for New Loan Structure
HDFC 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 articleBajaj 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 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 articleRBI Warns NBFCs: Concerns Over FLDG Model in Loan Disbursement
First Loss Default Guarantee arrangements draw regulatory scrutiny across digital lending.
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 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.
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