Credit

Digital-payment trail can improve risk assessment for lending

Japan Credit Rating Agency cites solid economic growth, policy measures and a stronger financial system, but says elevated debt and fiscal deficits remain structural constraints

ECLGS 5.0 was meant to run until March 2027, but its ₹2.5 trillion guarantee allocation was exhausted within months, leaving banks and borrowers with sanctioned but undisbursed loans

Gold loans could gain from a structural shift towards monetising household gold, lower borrowing costs and rising financial literacy, with penetration remaining relatively low

Circle will connect Cred users with vetted experts across careers, money, wellness and relationships through text, audio or video at a flat fee of Rs 25 per minute

Executives will help build payment systems that can increasingly make decisions using artificial intelligence, says the company

Some investors are attempting to offload debt linked to a Shapoorji Pallonji Group subsidiary at a discount as negotiations over refinancing and repayment extensions continue ahead of a key deadline

As seen in the 11th round of the National Bank for Agriculture and Rural Development's Rural Economic Conditions and Sentiments Survey, around 22 per cent of the surveyed rural households still depend

Emergency credit applications have crossed Rs 1.71 lakh crore as the government moves to secure fertiliser supplies and safeguard food and energy security amid the West Asia crisis

Banks are seeing early interest in ECLGS 5.0 as MSMEs seek extra liquidity buffers amid rising uncertainty linked to the West Asia crisis

Move will also help lower govt shareholding

The portfolio can glitter only if backed by prudence

El Niño may not trigger systemic rural credit stress, but risks could emerge later and vary by region, crop cycles and lender exposure

The microfinance business will remain cautious for some time to come despite a ₹20,000 cr credit guarantee scheme

SVAMITVA scheme is boosting rural credit access, with property cards enabling households to use land as collateral and increasing sanctioned loan amounts by 23%

Women now account for 26% of India's credit system, with outstanding portfolio rising to Rs 76 trillion, driven by digital lending and growth in entrepreneurship

India's credit culture is evolving rapidly, with 183 million people monitoring their CIBIL scores in 2025. Gen Z is leading the shift towards proactive financial awareness and ownership

KKR has raised $2.5 billion for its Asia private credit strategy, highlighting strong investor appetite for performing, privately originated credit across the region

If you file an updated return later, you will have to pay interest and additional tax, and will not be able to claim refunds

RBI has proposed easing restrictions on operating Current, Cash Credit and Overdraft accounts, giving banks more flexibility in handling accounts of regulated borrowers