Loans

RBI sets transaction-level materiality thresholds on related-party loans

For banks with assets exceeding Rs 10 trillion, the ceiling for the materiality threshold has been set at Rs 25 crore

HDFC Bank posts 2.7% loan growth to ₹28.45 trn in Q3, deposits rise higher

HDFC Bank merged with its parent HDFC in July 2023, adding a significant pool of loans but a smaller volume of deposits

Banks see double-digit credit growth in Q3 FY26 on strong lending

Six banks reporting Q3 FY26 business updates recorded double-digit year-on-year growth in advances, while deposit growth also remained healthy across public and private lenders

Bank credit demand from industry gains momentum as loan growth accelerates

The data showed credit to 'Micro and Small' and 'Medium' industries continued to exhibit double-digit expansion

Ireda's loan disbursements surge 44% to ₹24,903 crore in Apr-Dec

The Indian Renewable Energy Development Agency (IREDA) on Thursday posted 44 per cent growth in loan disbursements at Rs 24,903 crore for April-December 2025. The loan disbursement in the year-ago period was Rs 17,236 crore. Loan sanctions during the period stood at Rs 40,100 crore, reflecting a growth of 29 per cent over Rs 31,087 crore a year ago. The loan book stood at Rs 87,975 crore as on December 31, 2025, marking a growth of 28 per cent over Rs 68,960 crore a year ago. The strong performance up to December 2025 underscores increasing confidence in IREDA's financing capabilities and the continued momentum in the renewable energy sector. Our expanding loan book reflects IREDA's critical role in enabling India's green energy growth," Pradip Kumar Das, Chairman & Managing Director, IREDA said.

Public-sector banks okay ₹28k cr in MSME loans via new digital model

The overall rejection rate across banks stood at about 20 per cent, with variation across institutions depending on credit profiles and digital data availability

Yale, US universities plan student loan options as Trump caps grad debt

Graduate student loans account for half of the outstanding $1.7 trillion federal student loan portfolio, according to the Education Department

Early signs of stress in micro LAP, housing loans, CV portfolio: CIBIL

Festive spending and Goods and Services Tax (GST) changes drove credit growth in the economy across vehicle finance and consumer durables in the last few months

Yields on outstanding loans fall 4 bps in Oct; fresh loan yields up 14 bps

In the last three months, the WALR on fresh loans declined by 17 bps for the banking sector

Govt blocks 87 illegal loan lending applications after due process

The government on Monday said a total of 87 illegal loan lending applications have been blocked after following the due process. "Ministry of Electronics and Information Technology (MeitY) is empowered to issue blocking directions to block the Information for public access under section 69A of the Information Technology Act 2000. "So far, after following the due process, MeitY has blocked a total of 87 illegal loan lending applications under section 69A of the Information Technology Act 2000," Minister of State for Corporate Affairs Harsh Malhotra informed Lok Sabha on Monday. In a written reply, he also said that regulatory action for inquiry, inspection of books of accounts and investigation under the Companies Act, 2013 is taken from time to time against companies, including the ones indulged in online lending activities through loan apps. "Whenever any violation under the Companies Act, 2013 is found on the basis of the above, an appropriate legal action is taken," he said. Th

Smartphone loan defaults rise after RBI stops remote locking of devices

At the October 2025 Monetary Policy Committee meeting, RBI Governor Sanjay Malhotra said the central bank was still studying the mechanism and checking its advantages and disadvantages

US warned on Chinese loans but is top recipient, risking tech and security

For years, Washington has been warning others not to trust loans from Chinese state banks fuelling its rise as a superpower. But a new report reveals an ironic twist: The United States is the biggest recipient of all by far. And the security and technology implications have yet to be fully understood. China's state lenders have funnelled $200 billion into US businesses for a quarter of a century, but many of the loans have been kept secret because the money was first routed through shell companies in the Cayman Islands, Bermuda, Delaware and elsewhere that helped obscure their origins, according to AidData, a research lab at the College of William & Mary in Virginia. More alarming, much of the lending was to help Chinese companies buy stakes in US businesses, many tied to critical technology and national security, including a robotics maker, a semiconductor company and a biotech firm. The report found a far more widespread and sophisticated lending network than previously thought

Realtor Saya Group clears nearly ₹1,500 crore loans to reduce debt

Realty firm Saya Group has cleared Rs 1,500 core debt from financial institutions and investors in the past five years as part of its efforts to reduce borrowing. The debt comprised term loans, non-convertible debentures, and guaranteed emergency credit line facilities from leading financial institutions, including IIFL Finance Ltd, YES Bank, and 360 One, the company said in a statement. It did not disclose the current outstanding debt. Saya Group Managing Director Vikas Bhasin said, "Clearing Rs 1,500 crore of debt over the last five years reflects our strong financial fundamentals, efficient project execution, and unwavering commitment to our stakeholders." Last month, Saya Group formed a joint venture to develop a two-acre luxury housing project in Ghaziabad and will invest Rs 550 crore on construction of 264 flats. The company has partnered with Harmony Infra to launch an ultra-luxury residential project 'The Horizon Residences' at Indirapuram in Ghaziabad. Saya Group has a .

Growth rate of digital loans moderates in Q1FY26, says FACE report

The share of digital loans by value has grown from 12 per cent in FY23 to 20 per cent in Q1FY26. The volume share, however, has risen from 67 per cent in FY23 to 80 per cent in Q1FY26

Delhi govt rolls out ₹10 crore loans without collateral for entrepreneurs

At a Pahle India Foundation event, Delhi CM Rekha Gupta said empowering women entrepreneurs is key to India's growth

Explained: All about Delhi’s new ₹55 crore collateral-free loan scheme | Women entrepreneur

The Delhi government has launched a new Rs 55-crore collateral-free loan scheme to help small businesses, startups, and women entrepreneurs get easier access to credit.

Loan rates should mirror unfinished homes' higher risk, highlight gap

Requiring banks to hold more capital for under-construction loans and less after completion would make their higher risk evident through the resulting interest-rate differential

Uco Bank, Punjab & Sind Bank record 16-17% increase in loan in Q2

State-owned UCO Bank has reported a 16.6 per cent growth in credit to Rs 2.31 lakh crore for the second quarter of FY26. Its total advances were Rs 1.98 lakh crore at the end of September 30, 2024, UCO Bank said in a regulatory filing. The Kolkata-based lender reported a 10.8 per cent increase in total deposits to Rs 3.06 lakh crore against Rs 2.76 lakh crore at the end of the second quarter of the previous financial year. The bank's total business rose by 13.2 per cent to Rs 5.37 lakh crore from Rs 4.74 lakh crore in the year-ago period. Current Account and Savings Account (CASA) of the bank stood at 38.1 per cent of the total deposits compared to 38.24 per cent at the end of the second quarter of the previous fiscal. Credit deposit ratio of the bank rose from 71.77 per cent to 75.56 per cent at the end of September 2025, it added.

RBI MPC presser highlights: Low inflation opens up space for monetary policy easing, says governor

RBI MPC Meeting October 2025 highlights: At its last meeting, held from August 4 to 6, the RBI's MPC left the repo rate unchanged at 5.5 per cent; catch all the LIVE updates here

Loan sanctions grow 86% to ₹33,148 cr in H1, disbursement up 54%: Ireda

State-owned IREDA has sanctioned loans worth Rs 33,148 crore in April-September FY26, up 86 per cent from Rs 17,860 crore in the same period a year ago. In a statement on Wednesday, the company said its loan disbursements have also recorded healthy growth of 54 per cent to Rs 15,043 crore, up from Rs 9,787 crore in H1 of FY 2024-25. The company's outstanding loan book stood at Rs 84,445 crore as on September 30, 2025, reflecting a 31 per cent increase over Rs 64,564 crore in the corresponding period of the previous financial year. The company's CMD Pradip Kumar Das said, IREDA looks to maintain the momentum, further scaling up support for clean energy projects in line with the nation's green energy goals. Under the Ministry of New & Renewable Energy (MNRE), the Indian Renewable Energy Development Agency (IREDA) functions as a state-owned Non-banking financial company (NBFC) with a focus on financing renewable energy projects across India.