Page 13 - Bank Loans

Pay higher percentage of vehicle cost upfront to get loan in pandemic

A low EMI to take-home income ratio will also improve your chances of getting a loan

Loan restructuring may only provide short-term respite to lenders

The measures will lower credit cost to some extent, but analysts are sceptical of asset quality of such loans

Moratorium extension will lead to debt pile-up: Sunil Mehta, CEO, IBA

In an interview, SUNIL MEHTA discusses with Somesh Jha the demerits of extending the loan moratorium window and argues why it is the right time for the regulator to allow banks to restructure loans

Govt to work on a recap plan after evaluating the impact of moratorium

For now, the government has told state-owned banks to raise money from the markets

Banks sanction Rs 1.38 trn loans to MSMEs under credit guarantee scheme

The scheme is the biggest fiscal component of the Rs 20-trillion Aatmanirbhar Bharat Abhiyan package announced by Finance Minister Nirmala Sitharaman in May

SBI economists pitch for sector-specific loan recast after moratorium ends

They said the moratorium data is not "significantly perturbing" but hit out against the "spate of unplanned and unintelligent lockdown mania" in many pockets

Banking crisis could dent investor confidence

But bear in mind that the government will surely organise a bailout in such a scenario

June retail credit grows Rs 11,518 crore after shrinking for 2 months

Outstanding loans to SME remained flat at Rs 3.52 trillion in June, compared to May

Dusting off the inflation cap

The popular narrative on inflation is that the rise was because production and distribution had ceased due to the pandemic, leaving too many buyers chasing too few goods

Hosiery exporters seek extension of loan moratorium by 6 months up to March

Exporters said the financial position of the knitwear garment units in Tirupur has not improved and they were not in a position to repay the loan and interest

Moratorium burden easing as Indian economy limps back to normalcy

Agents are now able to pay visits for recovery, and also the economic situation has not turned as dire as feared

NBFCs' AUM to shrink this year: A first in two decades, says CRISIL

Disbursements across segments are expected to fall by 50-60 per cent as the adverse impact Covid-19 pandemic plays out

Banks and the contagion

The interconnectedness of the banking sector and the contagion is there for us to see

Top headlines: Maruti Suzuki Q1 results, loans under moratorium and more

Here are the top headlines of the day

Don't extend loan moratorium, it is being misused, Deepak Parekh urges RBI

Says some able borrowers are using it to deliberately delay payments

Impact of loan moratorium on private NBFCs, HFCs can be substantial: RBI

In March, the RBI had announced a moratorium on repayment of term loans till May 31. It was later extended for another three months.

Bank recapitalisation is a must

We need to be clear about what 'recovery' means

Banks need to be recapitalised as moratorium ends on Aug 31: SBI report

Banks have to improve governance and sharpen their risk management skills, says research report.

Bankers divided on extending moratorium, fear potential spike in bad loans

Without regulatory intervention, slippages could surge 300 bps

Banks sanction Rs 1.27 trn loans to MSMEs under credit guarantee scheme

However, disbursements against this stood at Rs 77,613 crore till July 20 under the 100 per cent ECLGS for micro, small and medium enterprises (MSMEs)