Retail Credit

NITI bats for MSME Credit Guarantee Fund overhaul, AI, skilling support

The Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGMSE) was launched by the Centre in the year 2000 to provide collateral-free credit to the sector

Bank retail credit witness sharp slowdown in FY25; drops to 11.6%

Reserve Bank of India data showed the overall bank credit growth declined to 11 per cent in FY25 from 20.11 per cent in FY24

NPLs in microfinance segment to peak by FY26 end: S&P Global Ratings

Tight Lending norms from April to defuse risk buildup

Woman credit seekers up 3x in 5 years, says Niti Aayog & Cibil report

Women borrowers increased at 22% CAGR between 2019 and 2024

CIBIL flags risks of stress spreading from unsecured to secured loans

Rising delinquencies in consumption-led loans come amid credit slowdown

Forum to fight for retail consumers is critical: FREED's Ritesh Srivastava

With the RBI's intervention by way of risk weighting, retail credit growth has slowed down to around 16.3 per cent year-on-year as of late November 2024

Runaway retail credit growth highlights urgent need to protect consumers

What you can't get away from is the retail credit story is at an inflection point

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)

BPEA Credit rebrands to Ascertis Credit, expands focus on Asia markets

The firm has raised four funds and invested over $1 billion in performing credit, primarily focusing on India and Southeast Asia

Services, retail credit growth moderate in Aug on drop in credit to NBFCs

Credit to NBFCs grew by 11.9 per cent Y-o-Y in August 2024, down sharply from 21.3 per cent a year ago. Credit to trade declined to 15.5 per cent from 17.4 per cent in August 2023

Credit card delinquencies rise even as retail credit growth moderates

Balance-level delinquencies in credit card segment stood at 1.8 per cent in Q1FY25 - highest among all other credit divisions

NBFCs may soon join technology credit wave on UPI-like innovation

RBI likely to allow access to both legacy, fintech NBFCs

Shaping a better tomorrow: Loan distribution set for major overhaul

The Financial Stability Report of June 2024 has it that delinquency levels among borrowers with personal loans below Rs 50,000 remain high

Retail credit growth moderates to 16.6% in June 2024, shows RBI data

Growth in personal loans; credit to NBFC down sharply

MSMEs get a helping hand in Budget but challenges in financing remain

According to CRISIL Ratings' bi-annual 'MSME Report' (June 2023), the debt need of the sector is more than Rs 100 trillion. Of this, 70% is for working capital requirements alone

Avoid extra loans to borrowers with over Rs 200,000 MFI exposure

The enhanced guidelines must be issued to lending institutions to protect the interests of the microfinance sector and specifically its clients

Small credit business finds new ways as unsecured loan growth ebbs

Firms that create differentiated risk assessments and invest in quality solutions will win, say industry executives

Unsecured retail credit growth slows down in April 2024: RBI data

Credit offtake by services, industry stays robust

Bank credit growth to moderate to 14% in FY25 after robust growth: CRISIL

Higher risk weights, base effect, deposit challenge may weigh on growth

Vacuum for Indian MSMEs seeking growth finance: Nishu Malhotra, ADM Capital

In India, shift to private credit, Nishu said, started before the Covid era, driven by regulatory reforms including the Insolvency and Bankruptcy code, Real Estate Regulatory Authority (RERA) Act etc.