Retail Credit

Retail credit growth moderates in August ahead of festival demand

RBI data shows retail credit growth slowed to 11.8% in August from 13.9% a year earlier, with housing, vehicles and credit card loans recording sharper moderation

Overleverage in retail loans is a concern, warns JFSL chairman Kamath

K V Kamath warns of overleverage in retail credit as fintechs lend at low scores; RBI data shows rising defaults in unsecured personal loans

Credit to India Inc declines to 36% in 14 years, BCG report shows

Corporate credit share shrinks as firms tap bonds, private credit and markets; retail lending rises sharply, making balance sheets stronger and funding more diversified

Resolving deposit, credit balance lies in real economy, not on Mint Street

The market's memory can be short. The same time last year we were fretting about weak deposit growth. Today, we are fretting about weak credit growth

Retail credit growth slows in Q4 FY25 despite rate cut: CIBIL report

The retail credit market continued to see a softening in the last quarter of 202425, as new loan originations (partly a measure of credit demand and supply) grew at a slower rate of 5 per cent in March 2025 against 12 per cent a year ago, according to a report. The slowdown was despite the RBI slashing its benchmark lending rate by 25 basis points to 6.25 per cent in February. This and other factors pushed the Credit Market Indicator (CMI) to a two-year low of 97, according to TransUnion CIBIL's June 2025 Credit Market Report. A higher CMI reading indicates improving credit market health, while a lower reading indicates a decline. "The muted demand was more pronounced among consumers 35 years old or younger. Consequently, the share of New-to-Credit (NTC) consumers that lenders supplied decreased by three percentage points during the same period, given that a large share of younger consumers constitute the NTC segment," it said. However, it said, signs of improving credit performan

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