Bank Loans

State-owned IREDA on Friday posted a 37 per cent year-on-year (y-o-y) rise in standalone net profit to Rs 585 crore in the December quarter, boosted by revenues. It had clocked a net profit of Rs 425 crore in the October-December period of the preceding financial year, the company said in an exchange filing. The company's revenue from operations surged 38 per cent to Rs 2,140 crore, from Rs 1,699 crore in the same period a year ago. The company's CMD, Pradip Kumar Das, said, "IREDA's strong financial performance this quarter reflects our commitment to accelerating India's renewable energy transition. The growth in loan disbursements, net worth and profitability underscores the trust placed by our stakeholders." The company's loan book rose 28 per cent in Q3 to Rs 87,975 crore from Rs 68,960 crore in the year-ago quarter. While disbursements jumped 32 per cent to Rs 9,860 crore, from Rs 7,449 crore in October-December FY25. Net worth increased to Rs 13,537 crore from Rs 9,842 cror

EMI-based repayment steadily reduces the principal and lowers LTV, offering better protection against price volatility than the bullet option

Banks are likely to see better loan growth and margins in Q3FY26, with PSU lenders outperforming as credit costs ease, unsecured loan stress moderates and recoveries remain steady

Here are the best personal loan options right now, which lenders offer the lowest EMIs, and how fees and borrower risk shape the true cost of credit

Another rate cut will make mobilising resources tough

The bank is also expanding digital offerings, growing its credit card base, and re-entering the West Asian market with plans to reopen its Dubai office, said Ashok Chandra

IndusInd Bank CEO Rajiv Anand outlines three-year plan to boost deposits, expand MSME and retail lending, stabilise microfinance, and strengthen senior management

Absolute outstanding bank credit amount of large enterprises declined 32.67% from March-end to July-end this year

The AI avatars, often designed to appear in sharp business attire, adopt a firm tone and use legal language to nudge customers into making repayments during the call

Bank stocks extended losses as Nifty Bank index slipped 7% from its July peak. Analysts flag US tariff risks may hit HDFC Bank, IndusInd Bankm City Union Bank, Federal Bank

Facing a 50% US tariff on exports, the gems and jewellery sector has asked the RBI for loan relief and EMI support, warning of payment delays, job losses and sector-wide stress

New borrowers can seek loans without a credit score hurdle, with RBI directing banks to decide based on wider due diligence, not just CIBIL reports

With RBI rate cuts yet to fully pass through to bank loans, corporate India is tapping bond and equity markets at record levels, taking advantage of lower costs and better valuations

On 4th July, the Supreme Court refused to intervene in a plea filed by HDFC Bank CEO Sashidhar Jagdishan to quash an FIR against him on a complaint by Lilavati Trust.

Avoid taking out such a loan if you have irregular income, are retired, or approaching retirement

Data shows a wide variation in interest rates, EMIs, and processing fees across various banks

State-owned Punjab National Bank (PNB) proposes to expand its RAM (retail, agriculture and MSMEs) sector lending to 58 per cent of its loan book in the current financial year with the help of various initiatives taken, including loan outreach. The bank closed FY25 with loan outstanding under RAM segment at Rs 6,02,682 crore, 56 per cent of the loan book. "We are planning to increase RAM from 56 per cent to 58 per cent in this financial year because that will give me the cushion against loss which is happening in due to reduction in the interest rate in the corporate and the RLLR (repo-linked lending rate) loan book," PNB MD & CEO Ashok Chandra told PTI in an interview. The volume increase in the RAM segment will help compensate for a loss due to further rate cuts, he said. Sharing the various initiatives taken to increase RAM, Chandra said the bank had conducted outreach activities for giving push to both retail and MSME lending in February on pan-India basis and these yielded a ..

Loan growth for commercial banks dipped to 10.3 per cent in the fortnight ended April 18, while deposit growth inched up slightly to 10.2 per cent, RBI data shows

Loan loss provisions, slippages rise

Understanding loan terms of various companies is vital for financial planning and saving