credit

SBI would mobilise Rs 12,500 crore through bonds as part of a periodic exercise

SBI to garner Rs 12,500 crore through bonds in FY26; Expects NIM stability even after probable RBI rate cut

SBI says its Rs 25,000-crore QIP will fund major credit growth and sustain capital ratios, while NIMs should remain stable…

November 27, 2025 14:58 IST

‘Private credit won’t replace bank credit, ‘ says Kanchan Jain, head, Ascertis Credit Group

Ascertis Credit has successfully raised $520 million in the first close of its $1 billion Fund IV, demonstrating confidence in…

November 27, 2025 01:40 IST

Indian Banks' Credit-Deposit Ratio Crosses 80%: A Structural Shift or Liquidity Challenge?

Explainer: What the higher credit-deposit ratio of banks is signalling

Driven by the festive season and GST rationalization, credit grew 11.31% while deposits grew 9.74% year-on-year.

November 26, 2025 21:27 IST

Widening deposit-credit gap needs proactive liquidity management: SBI report

An SBI research report highlights the widening gap between bank credit growth (11.3% as of Oct 31) and lagging deposit…

November 16, 2025 23:30 IST

Private Credit Funds Unfazed by RBI Move to Allow Banks in M&A Financing, Citing Deal Flexibility.

M&As: Private credit funds unfazed by entry of banks

India’s private credit players remain largely unconcerned by the RBI’s decision to allow banks to fund M&A acquisitions, as this…

Updated: October 4, 2025 12:58 IST

The 14% lure: Are high-yield bonds in India worth the default risk? (Image Source: Gemini)

The truth behind the 12-14% returns in bonds

While high-yield Indian corporate bonds offering 12-14% returns are tempting in a low-interest environment, they often mask significant credit risk.…

Updated: September 27, 2025 08:42 IST

Explained: Why are Gen Z’s credit scores in the US falling?

Gen Z faces the sharpest credit score declines, driven by student loans, rising delinquencies, and higher debt. Learn why scores…

September 19, 2025 01:09 IST

MSME, microfinance, Fusion Finance, banking, credit, lending

Fusion Finance recalibrates lending strategy

Fusion Finance has cut its loan book by 28% and tightened credit guardrails after rural over-leverage pushed NPAs above 10%.…

September 15, 2025 21:44 IST

MSME, economy, credit growth, GST, GDP growth, NBFC,

Crisil sees 11–12% credit growth this fiscal

Crisil Ratings projects 11–12% credit growth in FY26, led by retail lending and regulatory easing. Corporate loans may revive with…

September 15, 2025 20:13 IST

rural economy, FMCG, fast-moving consumer goods, agriculture

Regional imbalance in agri-credit flow stays

Despite double-digit growth, agri-credit remains regionally imbalanced with southern states cornering 48% of FY25 farm loans worth Rs 28.7 lakh…

September 8, 2025 20:11 IST

RBI's New Rules on Credit Enhancement to Deepen Corporate Bond Market and Lower Borrowing Costs. (Image Source: Twitter)

Corporates to raise cheaper funds on new RBI non-fund based credit facilities

The RBI’s new Non-Fund Based Credit Facilities Directions, 2025, will make it easier and cheaper for Indian corporates, SPVs, and…

August 7, 2025 21:10 IST

RBI's "Technical Pause" on Rates Reflects Cautious Stance Amidst External Shocks and Mixed Data. (Image Source: Pexels)

Credit policy clears the air

Under the current circumstances, the most optimistic scenario for industry could be not more than one 25-bps cut possibly in…

August 6, 2025 22:42 IST

India Ratings and Research expects credit growth revival in H2

The rating agency continues to remain watchful on the evolving tariff situation. “If it materialises into something bigger, it will…

Updated: August 6, 2025 08:42 IST

Gen Z, luxury, EMI, Money, LazyPay, credit card, credit,

Gen Z now affording luxury, one EMI at a time

Gen Z and millennials are fueling luxury consumption in India through EMIs and no-cost credit options. From iPhones to international…

August 3, 2025 05:25 IST

government, PSBs, FDI, foreign investment, consolidation, merger, financial sector, credit demand

FDI cap hike and PSB mergers back on govt’s agenda to strengthen financial sector: Report

The government is considering a fresh wave of financial sector reforms, including possible consolidation of public sector banks and raising…

July 16, 2025 13:10 IST

India's Private Credit Market Sees Yield Compression as Competition Intensifies. (Image Source: Fe)

Private credit grappling with margin pressure

India’s private credit market, once a high-yield haven, is experiencing a significant compression in Internal Rate of Return (IRR), with…

July 13, 2025 20:28 IST

FM Sitharaman Urges Global Financial Architecture & Credit Rating Reforms for Equitable Development. (Image Source: PTI)

India for reforms in multilateral banks, fairer credit rating systems: FM

Finance Minister Nirmala Sitharaman, speaking at the 4th International Conference on Financing for Development (FFD4) in Seville, Spain, strongly advocated…

July 1, 2025 21:11 IST

Indian Banking Credit Growth Rebounds to 9.62% in Mid-June, Deposits Continue to Outpace Lending. (Image Source: Reuters)

Credit growth picks up in June after falling at a 3-yr low- RBI data

India’s banking sector saw a notable recovery in credit growth to 9.62% year-on-year as of June 13, 2025, according to…

June 27, 2025 19:39 IST

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In his book, “The Great Sanctions Hack,” former Reserve Bank of India governor Urjit Patel discusses the impact of economic sanctions as a new form of siege weapon. As Russian tanks approached Kyiv in February 2022, global banks froze payments, auditors adjusted exposure maps, and shipping insurers cancelled coverage.

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