Bank Loans

Iran war may cap loan growth at 10-12%: Ambit; likes HDFC Bank, ICICI Bank

Analysts at Ambit Capital expect Iran war to slow bank credit growth to 10-12 per cent in bear case scenario, pressure margins, and cap liquidity. It prefers private bank stocks like HDFC & ICICI Bank

Loan guarantors face risks; negotiate cap on liability in loan deed

To protect insurance policies purchased for spouse from recovery proceedings, place it under Married Women's Property Act

RBI policy easing: Share of loans below 9% rate increases to 62.4%

RBI data shows a strong shift in lending patterns after policy easing, with loans priced below 9% rising sharply as PSBs led credit growth and monetary transmission became more visible

Locker items lost, damaged or stolen: How much are banks liable for?

Under RBI's locker framework, a bank's liability is limited to 100 times the annual locker rent

Ireda Q3 net profit jumps 37% to ₹585 crore; loan book sees 28% rise

State-owned IREDA on Friday posted a 37 per cent year-on-year (y-o-y) rise in standalone net profit to Rs 585 crore in the December quarter, boosted by revenues. It had clocked a net profit of Rs 425 crore in the October-December period of the preceding financial year, the company said in an exchange filing. The company's revenue from operations surged 38 per cent to Rs 2,140 crore, from Rs 1,699 crore in the same period a year ago. The company's CMD, Pradip Kumar Das, said, "IREDA's strong financial performance this quarter reflects our commitment to accelerating India's renewable energy transition. The growth in loan disbursements, net worth and profitability underscores the trust placed by our stakeholders." The company's loan book rose 28 per cent in Q3 to Rs 87,975 crore from Rs 68,960 crore in the year-ago quarter. While disbursements jumped 32 per cent to Rs 9,860 crore, from Rs 7,449 crore in October-December FY25. Net worth increased to Rs 13,537 crore from Rs 9,842 cror

Gold loan: Avoid maxing out on loan limit, maintain 20% valuation buffer

EMI-based repayment steadily reduces the principal and lowers LTV, offering better protection against price volatility than the bullet option

Loan growth, margins seen improving for banks in Q3 as credit costs ease

Banks are likely to see better loan growth and margins in Q3FY26, with PSU lenders outperforming as credit costs ease, unsecured loan stress moderates and recoveries remain steady

What are the best personal loan deals banks are offering across India

Here are the best personal loan options right now, which lenders offer the lowest EMIs, and how fees and borrower risk shape the true cost of credit

In a first, commercial banks' credit-deposit ratio breaches 80% mark

Another rate cut will make mobilising resources tough

PNB looks to achieve ₹4 trn corporate loan book in FY26: MD & CEO Chandra

The bank is also expanding digital offerings, growing its credit card base, and re-entering the West Asian market with plans to reopen its Dubai office, said Ashok Chandra

IndusInd Bank to rebuild senior management team in 6 months: MD & CEO

IndusInd Bank CEO Rajiv Anand outlines three-year plan to boost deposits, expand MSME and retail lending, stabilise microfinance, and strengthen senior management

India Inc. looks past banks for credit, turn to bonds and commercial papers

Absolute outstanding bank credit amount of large enterprises declined 32.67% from March-end to July-end this year

Loan recovery gets an AI push as major banks deploy virtual agents

The AI avatars, often designed to appear in sharp business attire, adopt a firm tone and use legal language to nudge customers into making repayments during the call

US tariffs jolt bank stocks; Are HDFC Bank, ICICI, IndusInd Bank at risk?

Bank stocks extended losses as Nifty Bank index slipped 7% from its July peak. Analysts flag US tariff risks may hit HDFC Bank, IndusInd Bankm City Union Bank, Federal Bank

Gems and jewellery sector seeks RBI relief as 50% US tariffs hit exports

Facing a 50% US tariff on exports, the gems and jewellery sector has asked the RBI for loan relief and EMI support, warning of payment delays, job losses and sector-wide stress

CIBIL score not mandatory: Govt tells banks not to reject first-time loans

New borrowers can seek loans without a credit score hurdle, with RBI directing banks to decide based on wider due diligence, not just CIBIL reports

India Inc turns to equity, bonds as cheaper bank loans remain elusive

With RBI rate cuts yet to fully pass through to bank loans, corporate India is tapping bond and equity markets at record levels, taking advantage of lower costs and better valuations

HDFC CEO's Plea | Loan Woes | Banks Seek Norm Relief | Liquidity Surges | Asset Quality at Best

On 4th July, the Supreme Court refused to intervene in a plea filed by HDFC Bank CEO Sashidhar Jagdishan to quash an FIR against him on a complaint by Lilavati Trust.

Choose loan-against-property for higher amount, low rates, flexible end-use

Avoid taking out such a loan if you have irregular income, are retired, or approaching retirement

From 8.20% to 14.95%: How car loan rates, EMIs differ across banks in May

Data shows a wide variation in interest rates, EMIs, and processing fees across various banks