credit

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

RBI, repo rate, Reserve Bank of India, bank, banking, finance

RBI to conduct Rs 1L-crore reverse repo on Friday

RBI to conduct Rs 1 lakh crore reverse repo auction on Friday, first in 7 months, to absorb excess liquidity.…

June 24, 2025 23:15 IST

Aadhar card online update 2025: Change name, address, date of birth and mobile number

Credit bureaus seek RBI nod for Aadhaar use; banks differ

Credit bureaus seek RBI approval to use Aadhaar for client mapping to improve credit accuracy and reduce identity fraud. Banks…

June 3, 2025 23:00 IST

The Centre targets a Rs 1.5 lakh crore credit guarantee cover in 2025-26 under the collateral-free loan scheme. (Image source: Financial Express)

New credit cover for MSMEs may be extended to select services

The Indian government is exploring extending its Mutual Credit Guarantee Scheme for MSMEs to specific services sectors that support local…

June 2, 2025 06:31 IST

Credit to the agriculture sector by commercial banks and regional rural banks is likely to cross Rs 31.5 lakh crore. (Image Source: PTI)

Agri credit may rise 9%

Agricultural credit in India is projected to exceed Rs 31.5 lakh crore in FY26, driven by increased formalization of rural…

May 13, 2025 21:26 IST

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Explainer: Why cheque clearing has run into problems

Business50 min ago

The RBI has launched a new real-time cheque clearance system to enhance efficiency and decrease processing time. Despite facing challenges, such as technology integration issues and inadequate staff training, the RBI and NPCI are working to resolve them. A new Positive Pay system has also been introduced to prevent frauds in cheque transactions.

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