Lending

Cash-flow-based lending will become increasingly important for financing new-age industries like data centres, solar manufacturing and technology-driven businesses, a senior bank official said on Friday. Banks need to develop new lending models, as emerging businesses may not have the traditional collateral required for bank finance, the official added. "Unless banks are able to find ways to fund these kinds of new businesses, whether it is pharma or technology, new technology...tangible security per se, the banks necessarily need to move from just collateral of security," Ashwini Kumar Tewari, Managing Director at State Bank of India, said at a financial market conclave hosted here by BCC&I. Tewari said SBI is already looking at cash-flow-based lending and is applying such models to emerging sectors. "We are also looking at cash flow-based lending. We are already doing that. We call it CHAKRA, he said, adding that "it is a very big device because it is very emergent in the world .

India's household debt has climbed to a record level, with app-based lenders driving much of the growth through high-cost, short-term loans

With banks comfortably exceeding lending targets and PSLC trading surging, experts say the RBI may need to revisit the priority sector lending framework to better serve financial inclusion goals

Fintech firm MobiKwik on Monday said it has received shareholders' approval to transfer its lending services business to another wholly owned subsidiary. The shareholders have also approved changes in the objects and terms of utilisation of the IPO proceeds, including an extension to the time limit for their use. " MobiKwik received shareholder approval to transfer its Lending Services Provider business to a wholly owned subsidiary and to amend its IPO objects. These key resolutions were passed through a remote e-voting postal ballot, which concluded on July 2, 2026. This approval now enables us to transfer the business on a slump sale basis to MobiKwik Distribution Services Private Limited," MobiKwik, Co-founder, CFO and ED, Upasana Taku said in the letter. The company has already received NBFC license approval from the RBI.

The World Bank plans to end lending to China by 2031 under a new partnership framework, reflecting the country's economic rise and years of declining loan support

India's microfinance sector recorded its first sequential portfolio expansion in seven quarters, while asset quality improved and disbursements reached a seven-quarter high

Retail loans rose 16.6 per cent to Rs 170.2 trillion in FY26, with gold loans emerging as the fastest-growing segment amid rising bullion prices and regulatory easing

The EAC-PM has urged a review of India's priority sector lending norms, recommending a sharper focus on social equity and credit access for vulnerable groups

The portfolio can glitter only if backed by prudence

The state-owned company will raise the money through bonds, term loans and foreign-currency borrowings, said Managing Director LVS Sudhakar Babu

Microfinance lender CreditAccess Grameen plans to increase overseas borrowings to $400 million annually over the next two to three years to diversify funding and support asset growth

In rules released earlier this month, ‌the Reserve Bank of India raised the collateral requirements for bank guarantees to brokers and barred lending for proprietary trading by them

A six-month pause would give market ‌participants time ​to submit feedback, ​conduct impact assessments and engage in constructive consultations, according to the letter

The central bank has proposed allowing banks to lend to REITs and doubled collateral-free loan limits for MSMEs, signalling a stronger push to widen credit access amid robust loan growth

Six banks reporting Q3 FY26 business updates recorded double-digit year-on-year growth in advances, while deposit growth also remained healthy across public and private lenders

Former Sebi chairman U K Sinha on Thursday cautioned the alternatives sector about the growth in private credit, reminding that the lending is being made to a set of borrowers who are deemed to be unfit by banks. Sinha, who demitted Sebi office in 2017 after an over six-year stint at the helm, said there is also a need to increase the support given by the venture capital funds to the growing startup ecosystem, underscoring that an economy like ours requires the support. Making it clear that he has nothing against private credit, Sinha said he would like to advice some caution given the "rush" towards it. "Whom are you (the industry) providing the private credit? You are providing it to people who have for some reason not been able to get the bank credit, who for some reason have been found not to be fit, to be worthy of the bank credit," Sinha said, addressing a CII event on Alternative Investment Funds here. The career bureaucrat-turned-regulator who is now involved with the ...

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

Industry that was touted to overtake legacy banks and financial institutions gets wake-up call

The FIDC is a representative body of non-banking financial companies (NBFC) registered with the RBI

The settlement cycle for cash, derivatives, and securities lending and borrowing mechanism (SLBM) segments has been revised after September 5 and September 8 were declared as settlement holidays by clearing corporations, markets regulator Sebi said on Monday. The decision has been taken in consultation with stock exchanges and clearing corporations, the Securities and Exchange Board of India (Sebi) said in a statement. "The settlement for the derivative segment for the 3 trade days viz. September 04, 2025 (Thursday), September 5, 2025 (Friday) and September 8, 2025 (Monday) will be undertaken on September 9, 2025 (Tuesday)," it said. For cash and SLBM segments, settlement for trades executed on September 4 and September 5 will also be carried out on September 9, while settlement for trades of September 8 and September 9 will be undertaken on September 10. Earlier, stock exchanges BSE and NSE had announced September 5 as a settlement holiday. However, after the Maharasthra governmen