Retail Loans

Tata Capital expects healthy retail loan growth in FY25: Senior executive

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

TMS Ep583: Small retail loans, sugar supply, Rahul Singh, Google's Gemini

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

India non-bank body appeals to RBI to review recent risk weight increase

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

RBI rule on unsecured loans to hit lenders' capital, loan growth: Analysts

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

Unsecured retail loans burgeoned on banks' books in Covid-19's aftermath

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

Unsecured retail loans burgeoned on banks' books in Covid-19's aftermath

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

UBS Securities red flags retail loans, sees credit cost rise up to 200 bps

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

Risk of Indian banks' unsecured retail loans turning sour is rising: UBS

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

RBI seeks greater transparency in floating interest rates of retail 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

Indian banks to witness record profitability in FY24: SBICAPS report

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

L&T Finance to increase retail loan portfolio to 75% of total loan book

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

HDFC Bank's loan book expands by 19.5%, domestic retail loans grow 21.5%

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

Retail loans likely to become a source of systemic risk, warns RBI

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

After meeting Q2 expectations, HDFC's growth outlook appears healthy

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

PNB Housing Finance's Q2 net profit rises 12% on improving margins

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

HDFC Bank loans rose 21.5% YoY in Q1 to Rs 13.95 trn, deposits up 19.3%

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

Robust credit growth continues, small and mid-size businesses gain

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

BS CEO round table: Six bank chiefs agree that worst is over for industry

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

L&T Finance Holding plans to hasten the pace of retail loan growth

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

Digital recovery of retail loans set to surge, reduce cost of field agents

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