Retail Loan Growth

Lower growth guidance and MSME loan stress weigh on Bajaj Finance

Stress in consumer loans may be reducing as collections are improving in the rural B2C segment

NBFCs' two-wheeler loan portfolio to grow 18-19% in FY26: CareEdge

GST cut and improved rural demand to support growth; lenders adopt cautious stance amid rising asset quality stress in the two-wheeler loan segment

US tariffs jolt bank stocks; Are HDFC Bank, ICICI, IndusInd Bank at risk?

Bank stocks extended losses as Nifty Bank index slipped 7% from its July peak. Analysts flag US tariff risks may hit HDFC Bank, IndusInd Bankm City Union Bank, Federal Bank

New IRDAI chairman, private banks' retail loan growth, hiring at major commercial banks & more

The Centre has appointed Ajay Seth, recently retired finance secretary, as the new chairman of the Insurance Regulatory and Development Authority of India, 4 months after the position was left vacant.

New investor should have a say in Yes Bank CEO succession plan: MD & CEO

Our commercial banking portfolio has grown well, says Prashant Kumar

Retail loan growth sluggish for private banks in Q1, festive demand eyed

Five private-sector lenders, including the top three, reported single-digit growth in their retail loan books, dragging down overall loan growth during the quarter

Bank of Maharashtra cuts repo-linked lending rate by 25 bps to 8.80%

State-owned Bank of Maharashtra (BoM) has announced reduction in lending rate linked to repo rate by 25 basis points in line with the Reserve Bank's key policy rate. The bank's repo-linked lending rate (RLLR) has now been reduced from 9.05 per cent to 8.80 per cent, BoM said in a statement on Monday. The Reserve Bank of India (RBI) on Wednesday slashed key interest rates by 25 basis points for the second time in a row to support growth facing the threat of reciprocal tariffs by the US. The reduced rates will make loans more affordable and enhance the financial well-being of its customers, it said. Since all retail loans offered by the bank are linked to the RLLR, this reduction would benefit customers availing home, car, education, gold and all other retail loan products, it said. The home loan offered by the bank would start from 7.85 per cent per annum while car loans will be priced from 8.20 per cent per annum, which are among the lowest in the banking industry, it ...

Bank of Maharashtra clocks 18% loan growth in Q4, total biz hits Rs 5.5 trn

State-owned Bank of Maharashtra (BoM) on Tuesday said it has registered a credit growth of 17.84 per cent at Rs 2.40 lakh crore in January-March quarter. The outstanding credit was Rs 2.03 lakh crore at the end of March 31, 2024, BoM said in a regulatory filing. The Pune-headquartered lender reported a 13.45 per cent increase in total deposits to Rs 3.07 lakh crore in the reporting quarter as against Rs 2.70 lakh crore at the end of the fourth quarter of the previous financial year. As a result, total business (total credit and deposits) of the bank registered an increase of 15.3 per cent to Rs 5.47 lakh crore as against Rs 4.74 lakh crore at the end of March 2024. During the latest fourth quarter, it said, the Current Accounts and Savings Accounts (CASA) ratio improved to 53.29 per cent of the total deposits as against 52.73 per cent in the same period of the preceding financial year. The credit-deposit ratio increased to 78.14 per cent in the fourth quarter as against 75.22 per

Union Bank of India Q4 loan growth at 8.6%, total advances at Rs 9.82 trn

State-owned Union Bank of India on Friday said it has posted a credit growth of 8.6 per cent to Rs 9.82 lakh crore during March 2025 quarter. Total advances were Rs 9.04 lakh crore at the end of March 2024, Union Bank of India said in a regulatory filing. The lender reported a 7.22 per cent rise in total deposits to Rs 13.09 lakh crore as against Rs 12.21 lakh crore at the end of the fourth quarter of the previous financial year. Total business of the bank rose 7.8 per cent to Rs 22.92 lakh crore as compared to Rs 21.26 lakh crore at March-end 2024. Meanwhile, J&K Bank reported a 10.3 per cent improvement in advances to Rs 1.06 lakh crore at the end of fourth quarter of FY25 as against Rs 96,981 crore in the same period a year ago. The Srinagar-based lender's deposits rose 10.2 per cent to Rs 1.48 lakh crore during the quarter from Rs 1.34 lakh crore in the year-ago period, J&K Bank said in a separate regulatory filing. Ujjivan Small Finance Bank clocked a 7.9 per cent rise in

SME, agri, corporate may take SBI loan growth past industry average

Xpress Credit portfolio, which declined in Q2, also expected to rebound

Loan growth moderates in September amid RBI clampdown, shows data

Including the impact of the merger, banks' loans grew 13% last month, compared with 20% a year ago

Union Bank of India to take call on raising Rs 10K crore next quarter

Retains loan growth guidance of 11-13% despite slow capex

Indian Overseas Bank opens retail loan processing centres across cities

Public sector Indian Overseas Bank has unveiled retail loan processing centres in multiple cities aimed at streamlining the loan approval processes and reduce turn around time, a top official said. As many as eight Retail Loan Processing Centres were inaugurated in physical mode in Chennai while seven others were launched in virtual mode across cities, the bank's Managing Director and CEO Ajay Kumar Srivastava said. "Our new Retail Loan Processing Centres are not just about convenience. It is about building a smarter, more resilient banking framework. By harnessing digital tools and advanced analytics, we are ensuring stronger risk management while significantly reducing loan processing times," he said. The Retail Loan Processing Centre is designed to streamline the loan approval process, reduce turnaround time and provide faster and more efficient services to retail customers, he said in a statement on Sunday. Indian Overseas Bank has set up the RLPCs in Bengaluru, Coimbatore, Del

Give borrower info until loan cycle or shutdown: RBI to credit institutions

In these cases, the repayment history of these entities' borrowers is not updated, even if they continue to repay or clear their dues

Consumption loan portfolio expands 15% to Rs 90 trillion in FY24: Report

India's consumption loan portfolio grew by 15.2 per cent year-on-year (YoY) to Rs 90.3 lakh crore as of March 2024, according to the latest credit bureau report. The fourth edition of CRIF High Mark report noted a slowdown from the 17.4 per cent growth recorded in March 2023, largely due to a deceleration in the home loans segment, which accounts for 40.1 per cent of the overall consumption loan portfolio by value. The home loans portfolio saw growth slowing down to 7.9 per cent YoY in FY24, from the 23 per cent expansion seen in FY23. This was mainly due to muted growth in "originations", which increased by 9.2 per cent in FY'24 compared to 18.2 per cent in the previous fiscal year. Origination refers to the process by which a lender creates or initiates a new loan or credit, including evaluating, processing, and approving a borrower's application. The report finds a shift toward higher ticket sizes, with a growing preference for loans above Rs 35 lakh, although the average ticket

MSME loan portfolio expands 17.8% to Rs 64.1 trillion in FY24: Report

During the financial year 2024, a total of 27.4 million MSME loans were sanctioned, amounting to Rs 54.2 trillion. This marks a growth of 19.3% in volume and 5.4% in value

Current account deposits, retail asset quality challenges for new SBI chair

Maintaining loan growth momentum, protecting margins may not be easy as interest rate cycle changes

Banks need to align credit and deposit growth, says RBI Bulletin

Pressure on NIM cited, upside risk to headline inflation flagged

Q1 FY25 business update of banks: Deposits grew slower than loans

Bank of Baroda posted faster growth in advances than in deposits. The loan book of the BoB grew by 1.73 per cent while deposits improved by 1.59 per cent, sequentially

Banks Q1 loan growth remain strong, share of low cost deposits falls

The credit-to-deposit ratio of the Mumbai-based private sector lender Yes Bank rose to 86.8 per cent at the end of June from 85.5 per cent at the end of March