The lender may continue to see robust growth, but maintaining profitability will be challenging in a rising interest rate scenario.

LIC Housing Finance: Firing on all cylinders

Business Standard

Having a house of one&rsquo;s own is a dream for most people. Amol Dethe is no different. Two years ago, this 28-year-old&rsquo;s excitement knew no bounds when he spotted his dream house, which was also within his budget.

Secure a loan before you can own a home

Active investors face two key questions while monitoring their portfolios: What should I buy? And, what should I sell? When the markets are red hot as they are now, these questions are relatively easy to answer.

Easier to figure in high market what to buy or sell

Higher cost of funds and lower margins restrict profit growth during the September quarter.

Axis Bank: Margins under pressure

Despite intense competition and rising real estate prices, HDFC has reported healthy business growth for the September quarter, while maintaining spreads. Net interest income (NII) grew at a stronger-than-expected rate of about 26 per cent year-on-year (y-o-y) and 10 per cent quarter-on-quarter (q-o-q) to Rs 1,189 crore.

HDFC: Stable performance

Two years ago, I took a home loan. I quit my job recently and want to start my business. My savings after excluding all personal and business-related expenses over the next six months will not be sufficient to pay the equated monthly instalments (EMIs) for my home loan.

Debt counselling: Sanjay Agarwal

Gifting a prepaid card this festive season can be a good option. Prepaid cards or pre-loaded cards with fixed cash limits are available off the counter at select banks.

Pre-loading your expenses

SKS Microfinance founder Vikram Akula and sacked CEO Suresh Gurumani are a study in contrasts. A Fulbright scholar, Akula spent nearly two decades working in rural India &mdash; manifested in his now-famous khadi kurtas. With nearly the same number of years at Standard Chartered, PricewaterhouseCoopers and Barclays, Gurumani is more comfortable in conservative suits.

The two faces of Microfinance

Madhusudan Kela knows a thing or two about making money. He&rsquo;s gone from cycling 30 km to attend college in a small town of Chhattisgarh to settling back in his Mercedes-Benz 320 on the drive to his multi-crore apartments in south Mumbai. And that&rsquo;s all in the space of the last two decades or so.

Madhusudan Kela: Money magician

From managing crisis to managing the recovery, nothing sums up better Duvvuri Subbarao&rsquo;s two-year tenure as Reserve Bank of India governor than the Roman expression, &ldquo;make haste slowly&rdquo;.

Festina lente

Revised mortgage loan provisioning, risk weightage and loan-to-value guidelines will hurt.

Housing finance: RBI sting

While net interest margins could moderate going ahead, healthy core operating performance and reasonable valuations make the scrip attractive.

Rate rise, low slippages positives for SBI

High credit growth is expected to drive banks&rsquo; core operational income (net interest income) in the quarter ended December 2010, but rising deposit costs will lower interest spreads, say analysts. Tight liquidity conditions are expected to hurt margins of both banks and non-banking finance companies (NBFCs) that rely mainly on bulk funds.

Banks: Challenging environment

1. First of all my thanks to Business Standard, and to my good friends T N Ninan and Sanjaya Baru, for inviting me to deliver this second Business Standard Annual lecture. This is an honour to which I attach a lot of value.

Dilemmas in central bank communication

Check the lock-in period and penalty on premature withdrawal while investing in a fixed deposit.

Don't go by returns reckoner alone

It&rsquo;s better to be boring in an exciting market like India than exciting in a boring market like the US, Stanchart&rsquo;s Asia CEO says, defending the bank&rsquo;s reputation for conservatism.

Lunch with BS: Jaspal Bindra

While lower funding costs have aided margin expansion, which looks difficult to sustain, asset quality and provisioning trends are among the key monitorables.

Banks surprise, worries remain

The target is to prevent spillover of food inflation into general inflation.

Ease supply bottlenecks, govt told

Bankers confident about funding credit growth from sources other than deposits.

Asset imbalance: RBI to get banks in line

The Reserve Bank of India (RBI) on Tuesday raised the red flag on the high fiscal deficit. Highlighting the adverse effect this would have on economic stability, Governor D Subbarao said the Centre needed to curtail borrowings and spend on creating real assets.

Dire need to improve govt expenditure quality

Having taken a slew of steps to ease the liquidity deficit, Reserve Bank of India (RBI) Governor D Subbarao on Tuesday said there was a limit to what the central bank could do to infuse funds into the system.

Policy puts liquidity ball in banks' court

Financial Analysis: Find the Latest Financial News Analysis & Research Updates from all top sources for the Indian Finance industry on Business Standard.

Finance News Analysis, Financial Analysis and Research | Business Standard

Find the Latest Financial News Analysis & Research Updates from all top sources for the Indian Finance industry on Business Standard.

Page 397 - Finance News Analysis