Loan

Buying an unsecured loan is a better solution if one needs a small amount and there are no assets to pledge

Taking a loan is one part but managing it well is what matters long term

The microfinance industry body expects stronger participation in the government's credit guarantee scheme after its validity was extended to August 31, 2026

State-owned Bank of Baroda is aiming to grow its Rs 4.56 lakh crore corporate book by 10 per cent in FY27, and has pegged the current pipeline of such big-ticket lending at Rs 50,000 crore. Amid worries on sluggish private capex growth, its managing director and chief executive Debadatta Chand said nearly two-thirds of the proposals continue to be for term loans and the rest is for working capital, suggesting a good demand for investment purposes. On the telecom sector loans, where there is intense speculation on Vodafone Idea's next moves as part of the revival process, Chand said right policy measures and coming together of banks and other stakeholders can result in new loans. "Our overall pipeline is Rs 50,000 crore at present. Half of it is sanctioned and yet to be disbursed while the remaining is loan proposals under discussions," Chand told PTI. He said there is a strong demand from the renewable power and also core sectors like steel and cement for capacity building. In ord

NBFC-MFIs led the growth in microfinance originations during Q4FY26, while higher average ticket sizes and continued lending to existing borrowers supported disbursement momentum

Pakistan this month failed to reach an agreement with the UAE to roll over the debt for the first time in seven years

Maharashtra Chief Minister Devendra Fadnavis on Friday said the announcement of a farm loan waiver scheme in the state budget for 2026-27 fulfils a promise made by Mahayuti parties ahead of the 2024 assembly polls. In his budget speech, Fadnavis, who holds the finance portfolio, announced Punyashlok Ahilyadevi Holkar Shetkari Karjmafi Yojna, a loan waiver scheme for farmers under which crop loans of up to Rs 2 lakh till September 30, 2025, will be written off. He announced a Rs 50,000 incentive for other eligible farmers who are regular in repayments of loans. Later, talking to reporters, the CM said in the budget, the capital expenditure has increased by 21 per cent --- from Rs 93,000 crore to Rs 1,12,000 crore. This would lead to an increase in capacity building and strengthening basic infrastructure. Fadnavis acknowledged that there was a "lot of stress", but the government has decided not to stop any scheme, an apparent reference to the Mukhyamantri Ladki Bahin Yojana, a direct

Experian report shows strong rebound in secured lending, while unsecured loans recover from last year's decline; average ticket sizes rise across segments

NaBFID's total assets rose 44 per cent to ₹1.04 trillion ($11.4 billion) as of Dec. 31, 2025, according to its website

Nabard estimates priority sector loan potential in Madhya Pradesh at ₹3.75 trillion for 2026-27, about 20% higher than last year, led by agriculture and MSMEs

The framework also factors in decisions of the State Level Bankers' Committee (SLBC) and District Consultative Committee (DCC)

As margin trading facility loans cross ₹1.16 trn, Zerodha's Nithin Kamath has cautioned that weak risk frameworks and illiquidity could trigger synchronised liquidations during market corrections

Bank of Maharashtra (BoM) on Monday said it has registered a total credit growth of 19.61 per cent to Rs 2.73 lakh crore in the October-December quarter. The outstanding credit was Rs 2.29 lakh crore at the end of the third quarter of the previous fiscal year, the BoM said in a regulatory filing. The total credit also includes Rs 1.02 lakh crore corporate credit, while RAM (retail, agriculture, and MSME) advances of Rs 1.71 lakh crore during the quarter, it said. The Pune-headquartered public sector lender reported a 15.3 per cent increase in total deposits to Rs 3.22 lakh crore in the reporting quarter against Rs 2.79 lakh crore at the end of the third quarter of the previous financial year. As a result, the total business (total credit and deposits) of the bank registered an increase of 17.24 per cent to Rs 5.95 lakh crore compared with Rs 5.08 lakh crore at the end of December 31, 2024. During the latest quarter, it said, the Current Accounts and Savings Accounts (CASA) ratio r

Multilateral development bank ADB has approved a USD 650 million (about Rs 5,780 crore) policy-based loan to help the Government of India accelerate rooftop solar adoption and expand access to clean, affordable energy for 10 million households by 2027. The financing under Subprogram 1 of the Accelerating Affordable and Inclusive Rooftop Solar Systems Development Program will support the government's flagship initiative Pradhan Mantri Surya Ghar: Muft Bijli Yojana (PMSGMBY) which aims to make rooftop solar systems widely accessible nationwide, ADB said in a statement on Tuesday. The programme is accelerating India's clean energy transition by removing long-standing barriers to rooftop solar adoption, including financing constraints and regulatory gaps, ADB Country Director for India Mio Oka said. It is making rooftop solar affordable and accessible for millions of households while creating green jobs, empowering women, and strengthening the financial health of the power sector, she

Sustained moderation in GLP and originations volume signals ongoing risk mitigation, while improvements in short-term delinquencies highlights progress in portfolio management

Starbucks announced on Tuesday that it will sell a majority stake in its China retail operations, which are valued at $4 billion

Those with multiple loans, irregular earnings, or poor repayment habits should avoid this form of quick credit

The UK government on Sunday announced that it will support iconic British brand Jaguar Land Rover (JLR) with a loan guarantee of up to 1.5 billion pounds to give certainty to the Tata Motors owned carmaker's supply chain following a devastating cyber-attack. The loan will come from a commercial bank, backed by the Department for Business and Trade's (DBT) Export Development Guarantee (EDG), provided by export credit agency UK Export Finance, to be paid back over five years. The aim is to bolster JLR's cash reserves following the production shutdown since early this month in the wake of the hack to help support firms in the supply chain, many of them small and medium enterprises (SMEs) struggling to stay afloat. This cyber-attack was not only an assault on an iconic British brand, but on our world-leading automotive sector and the men and women whose livelihoods depend on it, said Peter Kyle, Business and Trade Secretary. Following our decisive action, this loan guarantee will help

In what can lead to concerns from a financial inclusion agenda perspective, cautious stance by lenders led to the share of new to credit (NTC) borrowers slowing down in the June quarter, a report said on Wednesday. Only 16 per cent of loan originations in the April-June period were classified as NTC, as against 18 per cent in the year-ago period and 20 per cent in 2023, according to the report by Transunion Cibil. "An increase in NTC percentage indicates higher financial inclusion," the leading credit information bureau said in the quarterly report. The decrease has been the result of lenders getting "cautious", the Cibil report added. In what may lead to more concerns, the report said the growth in credit active consumers dropped to 9 per cent for Q1FY26 as against 15 per cent in the year-ago period. There is a "marginal stress" in repayments, the report observed, pointing to higher downgrades in the prime segment as compared to the year-ago period. Sharing data on score migrati

The step will improve savings but impact on credit scores depends on the loan and the lender's rules