Retail Loans

Slower growth expected in FY25 but it would still be 'significantly higher' than the industry, says company

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Is this the end of small retail loans? Will govt's ethanol move fix the sugar supply? How does Tata AMC CIO see markets playing out in 2024? What is Google's Gemini? All answers here

The RBI last week increased the risk weights, or the capital that banks need to set aside for every loan disbursed, for banks and NBFCs by 25 percentage points to 125% on retail loans

Shares of RBL Bank slipped 9 per cent to Rs 230.555, while those of SBI Cards and Payment Services plunged 7 per cent to Rs 720.40 in intraday trade

In services, commercial realty offtake showed a rising offtake with 8.6 per cent YTD growth in H1FY24. Transport operators saw the same with 8.9 per cent YTD growth

As regulated entities expand the retail portfolio and tap the new-to-credit segment, more through unsecured loans and with less-than-ideal emphasis on credit histories, delinquencies could rise

Banks for many years have been riding on the retail book as corporate demand still remains anemic

UBS has turned "neutral" on the banking sector and sees a higher probability of regulatory tightening on unsecured loans

As policy interest rates rise, lenders pass on the burden to customers by either raising their monthly payments or increasing the tenor of their loan

It added that the repo rate is expected to remain at current levels until late in FY24

In the September quarter, the company's retail book for the first time crossed Rs 50,000-crore milestone

IndusInd sees 19% credit growth in Q3; deposit growth outpaces loans for HDFC Bank, YES Bank

Retail loans, long considered a panacea for the banking system, may become a systemic risk, the Reserve Bank said on Tuesday. The central bank, however, was quick to add that it is well-equipped with its policy toolkit to handle any systemic risk that may arise. "Empirical evidence suggests that a build-up of concentration in retail loans may become a source of systemic risk," the RBI said in its trends and progress in banking report for FY22. It can be noted that in the recent past, banks which faced huge loan reverses on the large exposure front had switched focus towards the retail assets building front to avoid any major reverses in asset quality as done after the asset quality review. According to experts, the granularity of loans, coupled with the clearer sight of end use and better diligence and monitoring, given the progress on the credit information companies front, made retail a safer bet for banks all this while. The report said in recent years, Indian banks appear to

Analysts positive on stock, expect it to trade in the Rs 2,750-Rs 3,000 range

Its net interest income (NII) expanded by 29 per cent YoY to Rs 649 crore in the reporting quarter.

Retail loans grew by around 21.5 per cent YoY in Q1 and approximately 5 per cent on a sequential basis, HDFC Bank said

RBI data showed that credit to industry grew 8.7 per cent in May

There are some risks and we need to be watchful, say bank chiefs

The growth outlook is very conducive as the economy comes out of a turbulent period due to the pandemic.

The threat of real or make-believe police complaints and legal notices against borrowers has been used for recovery