Retail Lending

Retail space leasing in India's top 8 cities rises 15% this year: C&W

Leasing of retail space in shopping malls and high streets across India's top eight cities is estimated to rise 15 per cent to nearly 9 million sq ft this year on increased supply amid high demand from retailers, according to Cushman & Wakefield. The leasing of retail spaces stood at 7.8 million sq ft in 2024. Real estate consultant Cushman & Wakefield on Tuesday released the data of retail demand across eight cities -- Delhi-NCR, Mumbai, Chennai, Kolkata, Bengaluru, Pune, Hyderabad, and Ahmedabad. The leasing of retail spaces in high-street locations of these eight cities is estimated to increase to 5.4 million sq ft this year from 5.3 million sq ft in 2024 calendar year. The demand of retail spaces in shopping malls increased to 3.8 million sq ft from 2.5 million sq ft during the period under review. The consultant noted that 2025 would see the highest annual absorption of retail spaces since the Covid pandemic that hit India in 2020. "India's retail real estate market is ...

Retail leasing in Delhi-NCR jumps 25% as fashion, home brands expand

Fresh mall supply, rising footfalls and strong demand from apparel and homeware brands lift retail leasing in Delhi-NCR, with vacancies in top-grade spaces at historic lows

India's retail lending industry must settle conflict of interest

Ironically, lending is the only business where sale or disbursement doesn't result in a profit

Rising delinquencies, aggressive lending put retail credit at risk

The stress in parts of retail lending is leading to business opportunities for those associated with the ecosystem

Microloan asset quality faces strain as heatwaves, loan waiver rumours bite

Asset portfolio shrinks sequentially; growth seen moderating by 2-3 percentage points in FY25

From smartphones to smart loans: Gen Z, millennials boost digital lending

The share of digital loans has increased from 1.8% of total retail loans in FY22 to around 2.5% in FY24, revealed a report by Redseer Strategy Consultants

L&T Finance aims at 25% CAGR over next few years, retail lending in focus

L&T Finance Ltd is aiming at a 25-per cent compound annual growth rate (CAGR) over the next few years, with focus on consolidating its retail lending business, a top company official said on Wednesday. The financial services arm of Larsen & Toubro plans to completely exit the wholesale segment by 2026, transforming itself into a 100 per cent retail non-banking financial company (NBFC) from nearly 94 per cent at present. The company's new offering Complete Home Loan' signifies a fresh impetus to its mortgage business, he said. The lender also expects this product to surpass microfinance in terms of book size in the near future. "Fueled by the revival in credit offtake, we will maintain our robust growth trajectory of 25-per cent CAGR over the next few years. With the larger ticket size of home loans, this portfolio is expected to surpass microfinance assets in the coming years," MD & CEO of L&T Finance Sudipta Roy said. "However, even if the mortgage book size ...

Peer-to-peer (P2P) lending: What is it, and who regulates it in India?

Peer-to-peer (P2P) lending is the practice of lending money to individuals or businesses through online services that match lenders with borrowers

Subprime borrowers must keep credit utilisation ratio under check

They must also avoid applying for too many loans within a short span

Canara Bank Q2 profit jumps 89% to Rs 2,525 cr, asset quality improves

State-owned lender's gross global advances up 20% YoY to Rs 8.24 trn; retail lending portfolio grows 12.5%

Bank retail lending moderates in December, farm and SME credit accelerates

Impact of Covid-19-induced economic disruption continues to linger, lenders say

Retail lending by banks shrinks sequentially in November, up 10% YoY

Within this space, vehicle loans continued to perform well, growing at an accelerated 10% this November, compared to 4.7% a year ago, RBI said in statement

Some lending apps following unfair recovery practices: Former RBI DG

Former RBI deputy governor R Gandhi on Wednesday said some lending apps have been indulging in wrongful recovery practices for loans

It will be a long road to recovery from Covid-19: Axis Bank chief

In a Q&A, the lender's MD & CEO, Amitabh Chaudhry, also dwells on the stimulus package announced by the government, and risk aversion by banks

PNB Housing Finance cuts lending rates by 15 bps for existing customers

The company offers its retail customers housing and non-housing loans

Lenders want more time to finalise working capital needs of large firms

A senior State Bank of India (SBI) executive said in the case of large corporates, where there is consortium and social banking, the decision will be taken in consultation with all the lenders.

Covid-19: Retail lending may not remain steady source of business for banks

Banks and finance companies may do more lending business in the retail segment on the digital platform

Corporate lending facing demand slowdown, muted growth, says SBI MD

Retail lending, however, is growing at a decent rate, the bank said

Retail lending to stay steady in coming quarters: Axis Bank's Pralay Mondal

The lender's Executive Director-Retail Banking says the bank is not seeing any stress in the retail lending segment

Festive season pushes retail lending in Sept to 16.6% from 15% a year ago

Consumer durable and housing loan accelerated the most, service sector witnesses a sharp fall in the credit growth rate