Retail Loan Growth

Federal Bank's loan grows 19.1% YoY in Q3; deposits cross Rs 2 trn mark

Pace of customer liabilities expands at slower pace of 12.8 per cent YoY

Banks rush to hike deposit rates, raise funds amid firm loan growth

Major private lenders such as HDFC Bank, ICICI, Axis revise rates; deposit rates now catching up with RBI rate hikes

Gains ahead for SBI: Higher NIM could lead to double digit earnings growth

A recovering economy may lead to higher credit demand from corporates, despite rising rates and there are signs that retail consumption is picking up

Microfinance loans grow 24% YoY in Q1 of FY23; credit quality stable

Fund flow to the sector has improved but some smaller MFIs still find it difficult to access finance from banks

Expecting to sustain loan growth of 15% in current fiscal: SBI chairman

The country's largest lender reported a 14.93 per cent rise in advances to Rs 29,00,636 crore in the first quarter ended June 30, 2022 as compared to Rs 25,23,793 cr during the same period a year ago

Credit-deposit growth gap widens to a three-year high of nearly 5%

Development fuels concern that slow deposit growth could emerge as one of the biggest constraints for loan growth in the system

Robust credit growth continues, small and mid-size businesses gain

RBI data showed that credit to industry grew 8.7 per cent in May

Public sector banks up loan growth target as corporate demand sees revival

Large public sector banks (PSBs) have revised upwards their credit growth target for the current financial year

Lenders say no to firms, individuals when India's economy needs credit most

Nation's biggest lender State Bank of India wants to nearly double its credit growth rate to 10% in the year started April 1, but is willing to miss the goal.

Retail, farm credit get traction in May amid Covid-induced slowdown

Credit to Mid, small units also see higher growth

Lender Muthoot Fincorp looks to close fiscal with 28% loan growth

Muthoot Fincorp is the flagship of the diversified Muthoot Pappachan Group

Will gold loan lose its sheen?

In August 2020, when RBI raised the LTV for gold loans to 90 per cent, effective till March 2021, gold price was at a record high. It's time to pare the LTV for de-risking the lenders

IDFC First Bank rallies 11% in two days on strong retail loan growth in Q3

Motilal Oswal Financial Services believe the strong traction in retail loans was aided by festive demand and an improved economic outlook

Retail loans may rise as banks go slow on big-ticket corporate debt

But increase may be lower than what it was earlier

Bank credit shrinks 1.2% in April, gross bank credit falls to Rs 91.53 trn

Loans in the retail segment contracted 2.5 per cent to Rs 24.90 trillion

Moratorium may lead to greater build-up of credit losses for banks: Moody's

Asia's banking sector profitability will also decline from deteriorating asset quality and lower net interest margins, said Moody's

Covid-19 impact: Consumer lending may be most disrupted by lockdown

Categorised as unsecured loans, these will feel the brunt of weak demand and income disruption of borrowers

The devil in retail: Stress seen in credit cards, auto, and home loans

Banks had grown their retail books in a big way in recent times given the lacklustre demand for corporate credit

At multi-quarter low, HDFC Bank's retail loan growth may face more pain

While headline numbers met estimates, quality of loan growth and asset quality didn't. This explains the 1.8% dip in its stock price on Monday

The big sweet spot: Retail loan market to double in 5 years to Rs 96 trn

While concerns have been expressed of late that stress may be on the rise in the retail loan books, it is also true that lenders now have access to a plethora of data points for credit assessment