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SBFC Finance: Enabling Lending To Small Businesses

The rise and rise of retail loans, now over ₹50 trillion

Retail loans grew at an eye-popping 30% year-on-year in November, while loans to industry rose at a sedate 6.6% to cross ₹36 trillion

Green finance: Banks, NBFCs looking for greater promotion of schemes, financial support from govt, RBI

The government and the central bank should create awareness about opportunities and bring more priority sectors under green finance, experts say.

Indian fintechs seek a share of booming loan market through NBFC route

After the central bank tightened its digital lending guidelines in September, fintech companies have started to acquire small NBFCs or seek NBFC licences.

Indian banks to post strong growth numbers, well-placed to manage risks, say experts

Several private and public sector banks in their January-March 2023 quarter preview reported strong advances and deposit growth

SBI's YONO story: Drop in new account opening, loan disbursals and rising customer complaints

State Bank of India launched its digital interface YONO in 2017 with the aim of attracting millennials and digitising banking for its more than 400 million customers

Banks can see rise in bad loans from retail, small businesses: SBI

SBI managing director Ashwini Kumar Tiwari said: 'We cannot have a system where we have a 20% growth year-on-year on MSME and retail and then an NPA (ratio) which will remain below 1% for retail'

Ind-Ra maintains negative outlook for microfinance sector in FY22

NPA: Retail NPAs to rise but banks well placed to deal with stress: IndiaRatings

Synopsis The ratings agency forecasts total stressed loans from retail to rise to 4.7% in March 2022 from 1.60% in March 2021 led by slippages in unsecured loans especially from private sector banks. Agencies Gross NPAs for the banking system will increase to 10.1% in March 2022 from 8.8% at the end of the current fiscal but higher pre operating profits and provision coverage ratios will help banks manage the higher stress, Ind-Ra said. Mumbai: Stress in retail loans could triple by the end of FY22 due to a slowdown in income growth and slower pace of job creation in the service sector, credit ratings firm India Ratings & Research (Ind-Ra) said. It estimated that stressed loans from retail advances could rise to 4.7% of the total in March 2022 from 1.60% in March 2021, led by slippages in unsecured loans — especially at private sector banks.

Banks' retail stress to rise, but overall sectoral outlook stable: India Ratings

The reason for higher stress in retail loans of private sector banks is because of the segment’s higher exposure to unsecured advances