Page 4 - Retail Loans

Fears about India's retail loan defaults overblown, says Macquarie

"the unanimous feedback has been that there has been a decline in the total loan book under moratorium from the 25-30% numbers reported as of end-May," analysts led by Suresh Ganapathy wrote in a note

Covid-19 crisis: Slippages may jump to Rs 5.5 trillion, says India Ratings

Credit costs could touch Rs 2.7 trillion

Covid-19 crisis: SBI's 10% term loan customers opt for moratorium on EMIs

Senior SBI executives said most of those seeking deferment are retail and micro and small enterprises and are hard-pressed for resources when earning and cash flows have almost dried up.

Come September, bad loans will zoom

The only way to save the financial system and the economy is the Reserve Bank relaxing banks' asset classification norms

CRR-exempt loans: Deduction only on incremental lending, clarifies RBI

In its bid to boost retail credit flow, the RBI on February 6 announced that incremental loans towards automobile purchases, residential housing and loans to MSMEs will be set against the mandatory ca

Credit growth may rise to 8-9% in FY21 on better economic activity: Crisil

During this fiscal, some growth momentum is expected in the fourth quarter, after subdued three quarters due to traditional fiscal year ending growth

Agriculture, small biz, retail loans to be a concern for banks in FY21

The RBI has also estimated a dip in stress at its bi-yearly stability report in December

Retail loans set to double to Rs 96 trn in next 5 yrs: ICICI-CRISIL report

Apart from this, the regulatory and legislative measures taken by the government in the past few years have propelled growth in low-cost housing loans

Moody's slashes FY20 growth forecast to 4.9% on weak household consumption

Private-sector banks have a larger exposure to retail loans and may be more at risk

Prolonged economic slowdown to hurt retail loan quality: Moody's

Financial stress among rural households and sluggish job creation are among the key drivers of the slowdown

Retail loans show early signs of stress after years of quick growth

Retail loans being the fastest growing segment in the last five years may be no exception

RBI mandates banks to link fresh retail loans to external benchmark

Move to cover fresh retail, MSME loans from Oct 1; home, auto loans to get cheaper

ICICI Bank targets 23% retail loan growth at Rs 4,900 cr in UP during FY20

The private sector lender to lean on two segments of the business, namely consumer loans and mortgages

25-quarter low GDP growth to hit bank earnings, increase asset quality pain

Besides recent corporate slippages, slowdown would impact unsecured retail loans, farm and micro finance loans, commercial real estate and NBFCs and poorly-rated corporates with risk of downgrades

NBFCs continue to hold major share in retail loans despite liquidity crisis

In FY19, NBFCs had a 30% share in outstanding retail loans, while public sector lenders had a 39% share and private banks had 26%

Retail loan growth slows in Q4CY18: CIBIL

While the pace of growth of retail loans has slowed, the demand for credit products has accelerated due to factors like rising consumerism and the impact of demonetisation.

Banks continue to rely on retail loans to boost their credit book: RBI data

What the data indicates is that banks are slowly restoring their confidence on the industry sector

Relying on unsecured products to drive profitability is risky: Analysts

While retail NPAs aren't a threat just yet, analysts advise investors to be cautious on this segment

Benchmark rate for bank loans still a chimera

Banks are not happy with RBI's micromanagement, but it's essential when even a free market doesn't ensure competition

External benchmarks for loans may lead to face-off between banks, NBFCs

Banks are to link retail loans to external benchmarks; finance companies may be next