Credit Demand

The bankers highlighted that lenders must stay agile and continuously reinvent themselves to stay relevant in a rapidly changing environment

According to the Reserve Bank of India's Annual Report for 2024-25, there has been a significant increase in the number of banking outlets in rural areas over the past decade

CIs get fresher data when underwriting or extending additional lines of credit, says Bhavesh Jain

Certificates of deposit (CDs) are debt instruments with maturities of less than one year issued by banks

The RBI is also concerned that the banks have turned to bulk deposits and certificates of deposit to mobilise funds, as retail deposits (both savings and term deposits) have become stagnant

Though increased lending generally leads to more deposits through the credit multiplier effect, reduced liquidity has led to shrinking deposit pools

At least seven research reports from mainland brokerages and securities firms that had been posted to WeChat by analysts were unavailable for viewing

Indian companies garnered Rs 9.41 lakh crore through the issuance of bonds on a private placement basis in 2023-24, a surge of 10 per cent from the preceding fiscal amid surge in credit demand. The 2024-25 fiscal is expected to be very robust as companies will continue to raise capital for capex post-election results. "In an unprecedented era of economic development aided by pro-business reforms and macroeconomic stability, India is set to become the third largest economy globally by 2027 and will continue to see strong flows. "In this backdrop, we expect FY25 to also be a very strong year from a primary capital perspective as companies will continue to look to raise capital for capex post-election results," Neha Agarwal, Managing Director & Head of Equity Capital Markets at JM Financial Ltd, said. According to data compiled by Prime Database, the amount raised through debt private placement in 2023-24 stood at Rs 9.41 lakh crore, up 10 per cent from Rs 8.52 lakh crore in 2022-23.

Alliance will serve diverse sectors, with initial focus on microfinance institutions

The highest mobilisation in 2023 came from All-India Financial Institutions and banks, accounting for Rs 4.71 trillion, representing a 29 per cent increase from the previous year's Rs 3.66 trillion

The RBI's increased risk weightage will hit growth in personal loans, credit cards and NBFCs

CDs, which are short-term debt instruments employed by banks to amass funds, have seen an uptick in rates

YONO 2.0 rollout by FY24-end; app fetches Rs 100 crore in fee income every qtr

GST payments and quarter-end credit demand may lead to such a situation

Data next week is likely to show the economy expanded 7% in the year that ended March

Reliance on short-term funding increases as bank borrowings average Rs 4.2 trn

Economists at India Ratings blamed the recent surge in interest rates

The Reserve Bank of India has raised rates aggressively this year to tame inflation. While banks have swiftly transmitted the hikes to their lending rates, deposit rates have been laggards for most

Indian businesses are hungry for credit, despite rising interest rates, as they borrow to cover higher operational costs and for more investments

The data released by the Reserve Bank of India (RBI) showed a fall in export credit even though the bank credit saw a robust growth of 18 per cent