Page 3 - Retail Loans

Retail credit up by Rs 40,853 cr in July over June, MSME loans up slightly

RBI said on YoY basis, non-food bank credit grew 6.7 per cent in July 2020, the same as June 2020, but lower than the growth of 11.4 per cent in July 2019

Are you in financial trouble? Ask your bank to restructure your loan asap

Take your repayment capability and the extra interest cost involved when choosing a restructuring option

State Bank of India targets 3x growth in retail, MSME gold loans

Cheap deposit money, which helps offer low lending rates, gives banks the edge over gold loan companies

RBI's one-time restructuring scheme may be limited to Covid-hit sectors

Firms from the aviation, hospitality, and retail sectors are expected to be allowed to avail of the new scheme

RBI's moratorium helps public sector banks post lower NPAs in Q4

On aggregate basis, gross NPAs of 8 PSBs improve by 132 bps

Mortgage norms: Tightened or relaxed?

From 50 per cent, a home finance firm's exposure to retail loans will go down to 37.5 per cent. Instead of a floor for retail loans, should the RBI look for a ceiling for wholesale loans?

Fears about India's retail loan defaults overblown, says Macquarie

"the unanimous feedback has been that there has been a decline in the total loan book under moratorium from the 25-30% numbers reported as of end-May," analysts led by Suresh Ganapathy wrote in a note

Covid-19 crisis: Slippages may jump to Rs 5.5 trillion, says India Ratings

Credit costs could touch Rs 2.7 trillion

Covid-19 crisis: SBI's 10% term loan customers opt for moratorium on EMIs

Senior SBI executives said most of those seeking deferment are retail and micro and small enterprises and are hard-pressed for resources when earning and cash flows have almost dried up.

Come September, bad loans will zoom

The only way to save the financial system and the economy is the Reserve Bank relaxing banks' asset classification norms

CRR-exempt loans: Deduction only on incremental lending, clarifies RBI

In its bid to boost retail credit flow, the RBI on February 6 announced that incremental loans towards automobile purchases, residential housing and loans to MSMEs will be set against the mandatory ca

Credit growth may rise to 8-9% in FY21 on better economic activity: Crisil

During this fiscal, some growth momentum is expected in the fourth quarter, after subdued three quarters due to traditional fiscal year ending growth

Agriculture, small biz, retail loans to be a concern for banks in FY21

The RBI has also estimated a dip in stress at its bi-yearly stability report in December

Retail loans set to double to Rs 96 trn in next 5 yrs: ICICI-CRISIL report

Apart from this, the regulatory and legislative measures taken by the government in the past few years have propelled growth in low-cost housing loans

Moody's slashes FY20 growth forecast to 4.9% on weak household consumption

Private-sector banks have a larger exposure to retail loans and may be more at risk

Prolonged economic slowdown to hurt retail loan quality: Moody's

Financial stress among rural households and sluggish job creation are among the key drivers of the slowdown

Retail loans show early signs of stress after years of quick growth

Retail loans being the fastest growing segment in the last five years may be no exception

RBI mandates banks to link fresh retail loans to external benchmark

Move to cover fresh retail, MSME loans from Oct 1; home, auto loans to get cheaper

ICICI Bank targets 23% retail loan growth at Rs 4,900 cr in UP during FY20

The private sector lender to lean on two segments of the business, namely consumer loans and mortgages

25-quarter low GDP growth to hit bank earnings, increase asset quality pain

Besides recent corporate slippages, slowdown would impact unsecured retail loans, farm and micro finance loans, commercial real estate and NBFCs and poorly-rated corporates with risk of downgrades