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After the Reserve Bank of India allowed leverage against deposits, banks were providing leverage upto 9 times to customers.

FCNR(B) leverage fuels loans against FDs

Loans against fixed deposits in India surged 43.2% year-on-year to ₹2.04 lakh crore in August, driven by leveraged FCNR(B) trades…

October 2, 2026 18:41 IST

Credit costs are projected to decline from a peak of 7.1% in FY25 to 2.4–2.8% in FY27.

Microfinance entities step up caution in Karnataka, Maharashtra amid drought

Microfinance institutions with significant exposure to drought-affected Karnataka and Maharashtra are advised to exercise caution in loan sanctions to prevent…

October 1, 2026 18:27 IST

‘Banks more comfortable lending to MFIs amid surplus liquidity’: Muthoot Microfin CEO

Muthoot Microfin raises its FY27 AUM growth guidance to 20%, driven by strong disbursements, lower borrowing costs, and improving credit…

Updated: October 2, 2026 21:19 IST

IFC has agreed to purchase up to £67.2 million, or about $90 million, of Airtel Money shares from existing shareholders at the final offer price, subject to customary conditions.

Airtel Money plans London IPO without fresh capital

Airtel Money plans an IPO on the London Stock Exchange with no fresh capital raised, backed by a $90 million…

September 23, 2026 19:27 IST

The proposed changes are mainly around how the spread over the benchmark is structured and revised.

RBI proposes faster loan-rate resets: Will borrowers see quicker EMI relief when rates fall?

The RBI has also highlighted divergent practices among commercial banks in areas such as the determination of the Marginal Cost…

August 17, 2026 19:11 IST

A retiree with no credit history can still qualify for an emergency loan.

Need an emergency loan after retirement? Here’s what happens if you don’t have a CIBIL history

What lenders tend to focus on instead is the income left over after the EMI is paid, since that’s what…

July 20, 2026 19:46 IST

NRI home loan application guide with AI assistance

NRI loans in India – Expert shares approval guide and how AI can help you avoid costly mistakes

Speaking exclusively to Financial Express Digital, AI and banking analytics expert Suryadip Ghoshal explains NRI home loan approval, country risk,…

Updated: July 4, 2026 18:31 IST

The choice depends less on the investor category and more on the nature of assets available and the urgency of funding requirements.

Loan against PPF vs Loan against mutual funds: Which is the better emergency funding option?

Need emergency funds? Learn the key differences between loans against PPF and mutual funds, including interest rates, loan limits, and…

June 30, 2026 17:55 IST

Treat LAS as a planned financial decision — not an impulse one. The prudent approach is to borrow well below the maximum permissible limit, say around 25-33% LTV, keep liquid reserves ready, and set personal alerts to always monitor portfolio value against the margin trigger level.

Taking a loan against shares? Here’s what happens when markets turn volatile

An LAS facility is a highly effective financial optimization tool, but it yields the best results only when managed with…

June 11, 2026 22:00 IST

CIBIL score isn’t everything: Why two borrowers with identical scores may get different loan rates?

A good CIBIL score is undoubtedly important, but it is only one part of the lending equation. If you’re planning…

June 2, 2026 19:09 IST

Early stress signs emerge in MSME credit: Report

MSME credit growth has slowed significantly in recent months, with manufacturing and trade segments showing early signs of stress as…

June 2, 2026 18:34 IST

Raise MSME digital loan limits: Centre

PSBs encouraged to accelerate credit flow to enterprises.

Updated: May 22, 2026 17:05 IST

Banks see corporate loans outpacing retail amid costly bond, overseas funding

Corporate credit demand is rising across sectors, but analysts say the trend may reverse as capital market conditions ease and…

April 27, 2026 21:14 IST

Coforge has secured $550 million, or Rs 5,156 crore, in loans from multiple banks

Coforge raises $550 million from JPMorgan, Citi, HSBC and others to fund Encora acquisition

Coforge has raised $550 million from five global banks to fund the Encora acquisition, scrapping its further QIP plan and…

April 23, 2026 13:48 IST

The quiet stress building in U.S. private credit – and how it could impact your portfolio

Rising stress in private credit markets signals a slow build-up of financial risk as higher interest rates trigger defaults and…

April 22, 2026 05:14 IST

Household financial debt jumps to 6.2% of GDP

Household financial debt in India rises to 6.2% of GDP in FY24, while net financial savings decline, reflecting a shift…

April 14, 2026 17:02 IST

Govt to launch low-interest credit cards for micro units this month

Centre to roll out low-interest credit cards for micro enterprises with limits up to Rs 5 lakh, aiming to cut…

April 13, 2026 23:42 IST

Iran–US–Israel conflict has added a new angle of uncertainty to NRIs (AI- generated image)

Why NRIs home loans in India under strain as Iran war escalates? Experts answer

Iran–Israel–US war impacts NRIs with home loans in India as EMIs rise, remittances slow and tax choices matter, experts explain…

Updated: April 4, 2026 17:58 IST

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