Page 2 - Raghu Mohan

Microfinance sector sees 16.5% annual decline in Sep gross loan portfolio

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

Treading with care at a new frontier: RBI cautious on banks' M&A funding

Mint Road's proposals on banks' M&A funding are cautious even as entrants root for more elbow room, and weigh business models

BC network faces heat from qcom platforms as agents take up gig work

The business correspondent banking channel is facing attrition as agents are leaving over declining commissions, despite bringing in more new deposits than branches

Are banks still seeing a seasonality factor in deposits and credit?

The popular view is that the second half of the year sees a bump in credit on account of the festive and wedding seasons. We examine if the data backs up this perception

RBI's nod for banks' M&A funding may force tweak to sensitive sector norms

Bankers say that given the substantial exposures banks will have to take for M&A financing, the current ceiling for banks' exposure to the sensitive sectors is likely to be a hurdle

The collections industry is running on a dignity deficit: Ananth Shroff

Ananth Shroff, cofounder and chief executive officer of DPDzero, which uses artificial intelligence (AI) for debt collections, interacted with Raghu Mohan via email

Business correspondents driving financial inclusion may get their due

The National Institute of Bank Management (NIBM) has submitted its report; and stakeholders - banks, BCs and Mint Road - are expected to roll out revisions next year

Fintech NBFCs grew faster than industry, but both show annual moderation

Operating on a small-ticket, high-volume model, fintech-driven NBFCs saw active loans grow by 25.6 per cent on an annual basis, outperforming the overall NBFC industry's 15.1 per cent growth

Banking pads up to cover a new ground with risk-based deposit insurance

Shifting to a system of risk-based deposit insurance may over time force banks to become even more prudent and mindful of their finances

Bureau credit scores should not be the sole filter: IDfy's Ashok Hariharan

Ashok Hariharan, founder of IDfy, interacted with Raghu Mohan via email on issues in retail onboarding and underwriting

Micro-ATM operators seek higher transaction fees to match legacy ATMs

Micro-ATM operators have sought a revision in transaction fees, urging the government to align their payouts with those of legacy ATMs amid rising volumes and decade-old stagnant pricing

A fine balance for fintech as investors put compliance ahead of valuation

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

Digital payments to hit 617.3 bn in volume, Rs 907.3 trn value by FY2030

Transaction volumes have increased by 37 per cent to 206 billion, while value has jumped 30 per cent to Rs 299.9 trillion from FY24 to FY25

Microfinance sector faces funding crunch, default fears amid scrutiny

The microfinance industry is in a bind as funding declines and fears of defaults swirl amid stricter regulatory scrutiny

Indian banks' business correspondent channel set for major overhaul

The rejig of the world's largest field channel of agents is to be based on the findings of a study conducted by the National Institute of Bank Management under the auspices of the central bank

NBFCs likely to see rise in non-performing retail loans in FY26: Moody's

The latest goods and services tax (GST) reform could spur demand for vehicle loans, but also increase asset risks because collateral values can decline

Fintechs set for change as norms for debt collection practices are updated

Stricter collection protocols mean you can't push credit as in the past (its return leg has to be taken into account); business models may have to be tweaked even as fintech funding heads southwards

MFIs see funding fall over 50% in FY25 to Rs 58K crore, seek support line

The industry's fund crunch comes over lenders' fears of asset quality, repayment, and over-leverage, which ties in to the Reserve Bank of India's push for responsible lending

MSME lending sees robust value, volume growth, delinquencies also increase

The increase in lending to the MSME sector reflects robust credit demand from small businesses as well as improving credit access supported by the increasing digital lending initiatives

It's time to get started, put money in deals: M&A financing opens up

Bank financing of M&As will be like any other business and only needs guardrails