Lending

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

Banks have started passing on the 100-basis point repo rate cut by the Reserve Bank of India over the past three policy meetings

Lenders worldwide last year made $334 billion in BNPL loans, five times their value from five years before, according to technology analysis and consulting firm Juniper Research

Binod Kumar lines up the strategy to focus more on retail and micro, small, and medium enterprises, plans to improve technology via an investment of Rs 1,300 crore, and outlines the growth roadmap

The funding comes through a syndicated loan facility, meaning multiple banks pooled in to provide the loaned amount

Handloom organizations also benefit from an interest subvention, receiving loans at a concessional interest rate of 6 per cent for three years

Issues like corporate governance, expertise in international trade and digital transformation fester

Japan's net external assets hit ¥533.05 trillion ($3.7 trillion) in 2024, a 13% rise from last year, but it was surpassed by Germany, which now leads in net external assets

The reality is that co-lending did not take off because banks and NBFCs had to dance around issues after blowouts in shadow banking, and iron out the finer aspects of the model

Personal loan originations saw a steep decline in Q1 FY25 after consistent growth up to Q3 FY24

The Cyrus Poonawalla Group-backed NBFC plans to open 400 new branches over the next four quarters, targetting Tier-II and Tier-III cities

This move is expected to enhance credit flow to underserved segments, such as micro, small, and medium enterprises (MSMEs), while also ensuring stronger customer protection, experts said

The $45 billion industry will probably muddle through its latest difficulties, though analysts want the central bank to come up with more robust supervision

Rising delinquencies, over-leverage strain the sector

'Committed to ensure rates are set so that micro lending is viable, gains are passed to clients'

Modern lending ecosystems now have access to richer data through alternate data sources such as Account Aggregators (AA)