Retail Loans

L&T Finance to increase retail loan portfolio to 75% of total loan book

In the September quarter, the company's retail book for the first time crossed Rs 50,000-crore milestone

HDFC Bank's loan book expands by 19.5%, domestic retail loans grow 21.5%

IndusInd sees 19% credit growth in Q3; deposit growth outpaces loans for HDFC Bank, YES Bank

Retail loans likely to become a source of systemic risk, warns RBI

Retail loans, long considered a panacea for the banking system, may become a systemic risk, the Reserve Bank said on Tuesday. The central bank, however, was quick to add that it is well-equipped with its policy toolkit to handle any systemic risk that may arise. "Empirical evidence suggests that a build-up of concentration in retail loans may become a source of systemic risk," the RBI said in its trends and progress in banking report for FY22. It can be noted that in the recent past, banks which faced huge loan reverses on the large exposure front had switched focus towards the retail assets building front to avoid any major reverses in asset quality as done after the asset quality review. According to experts, the granularity of loans, coupled with the clearer sight of end use and better diligence and monitoring, given the progress on the credit information companies front, made retail a safer bet for banks all this while. The report said in recent years, Indian banks appear to

After meeting Q2 expectations, HDFC's growth outlook appears healthy

Analysts positive on stock, expect it to trade in the Rs 2,750-Rs 3,000 range

PNB Housing Finance's Q2 net profit rises 12% on improving margins

Its net interest income (NII) expanded by 29 per cent YoY to Rs 649 crore in the reporting quarter.

HDFC Bank loans rose 21.5% YoY in Q1 to Rs 13.95 trn, deposits up 19.3%

Retail loans grew by around 21.5 per cent YoY in Q1 and approximately 5 per cent on a sequential basis, HDFC Bank said

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

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

BS CEO round table: Six bank chiefs agree that worst is over for industry

There are some risks and we need to be watchful, say bank chiefs

L&T Finance Holding plans to hasten the pace of retail loan growth

The growth outlook is very conducive as the economy comes out of a turbulent period due to the pandemic.

Digital recovery of retail loans set to surge, reduce cost of field agents

The threat of real or make-believe police complaints and legal notices against borrowers has been used for recovery

Want low-interest loan this festive season? Need a credit score over 750

In fact, you should monitor your credit score regularly because if it is low, it will take time to improve it

BNPL players hawk nearly $8 billion in credit to a wide swath of society

They are largely digital non-banking financial companies with credit lines from banks

Atleast 50% of retail, MSME loans to move to digital lending: Union Bank MD

Close to 50 per cent of retail and MSME loans offered by banks will shift to digital lending platforms over next two to three years, Rajkiran Rai G said on Thursday.

FY22 credit growth turns positive first-time ever

What stands out this time around is that positive growth happened despite a more debilitating impact of the second wave of the Covid-19 pandemic

Retail and MSMEs likely to see rise in slippages, say bankers

The current level of NPAs masks the actual pain due to restructuring done under regulatory packages, both in 2020 and this year

HDFC Bank says it will double retail loans, sees 'robust demand' in economy

Uncertainty is declining as businesses seek to bolster growth after Covid-19, says the bank's country head for retail assets.

NPAs in retail and MSMEs rise to 7.3% for public sector banks in Q1

The incidence of bad loans was lower for private banks with GNPAs at 3.32 per cent in June, up from 2.01 per cent year ago, according to CARE Ratings

Despite banks' record Q1 net profit, Bank Nifty on a slippery slope

It is up 15% since the start of CY21 against 19% in Nifty50; this despite banks' record Q1 profit

In FY22, our loan book should grow by 20%: IDFC First Bank MD & CEO

V Vaidyanathan talks about the bank's growth plans, its retail-focused approach when it comes to growing its loan book, and its corporate strategy

Retail, agri loans grow in June as states begin to ease Covid-19 curbs

Loans to agriculture and allied activities showed an accelerated growth of 11.4 per cent in June 2021 as compared to 2.4 per cent in June 2020