Lending

Former Sebi chief Sinha urges caution as private credit lending grows fast

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 ...

Reinvention continuous process that banks are adopting well: Top bankers

The bankers highlighted that lenders must stay agile and continuously reinvent themselves to stay relevant in a rapidly changing environment

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

RBI grants FIDC self-regulatory status to oversee non-bank lending sector

The FIDC is a representative body of non-banking financial companies (NBFC) registered with the RBI

Settlement dates for cash, SLBM segments revised amid consecutive holidays

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

RBI's 100-bp repo cut in repo rate leads to 71 bps cut in fresh rupee loans

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

Private credit drives a 'Buy Now, Pay Later' lending boom in Asia

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

Focus areas will be retail penetration, MSMEs: Indian Bank's Binod Kumar

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

CA Grameen raises $100 mn via multi-currency syndicated loan facility

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

Finance ministry pushes public sector banks to expedite loans for weavers

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

Signs bright for MSME sector as lending and financial stability improve

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

Japan loses world's top creditor spot to Germany after 34-year reign

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

Co-lending 2.0 gains ground, but earlier avatar continues to cast a shadow

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

Festive lending slowed in Q3 amid strict norms, tight liquidity: Report

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

Poonawalla Fincorp launches gold loan business; eyes Tier-I, II expansion

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

RBI expands scope of colending arrangements to all regulated entities

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

India subprime loans on edge of crisis with distress among 68% borrowers

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

Microfinance stress continues to affect loan originations: CRIF data

Rising delinquencies, over-leverage strain the sector

December numbers signal improving microfinance situation: MFIN CEO

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

Onboarding in retail credit has to be reworked: Scienaptic's Joydip Gupta

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