BUSINESS
What is the sharp slowdown in fintech loans warning us of?
Fintechs are seeing personal loans slow down, but this corner of their book is keeping overall risk elevated
BUSINESS
Are NBFCs back to being reckless in unsecured retail lending?
Non-banks are beginning to take big bites out of unsecured lending again
BUSINESS
Bain Capital brings the much-needed shine to Manappuram Finance’s gold business
Bain’s entry gives the sparkle to India’s gold loan market as much as gold adds a shine to Bain’s portfolio.
BUSINESS
Can Fin Homes investors must brace for a slower revival of loan growth
Affordable housing segment is a growth bet for investors, and Can Fin Homes is yet to show it
BUSINESS
Farewell Allianz, hello growth? Bajaj Finserv’s post-exit prospects
Bajaj Finserv’s investors will benefit once insurance firms begin to contribute more to the company's profitability
BUSINESS
Bond investors must pay attention to RBI’s forex forward book for direction
Bonds can bask in policy rate cut expectations but watch for forex forward unwinding
BUSINESS
IndusInd Bank’s derivatives mess shows credibility trumps all for investor faith
The hit from derivatives discrepancies could result in a net loss in IndusInd Bank’s March quarter
BUSINESS
Stress lurks in two-wheeler finance; lenders, investors must stay watchful
Two-wheeler loans are a small proportion of lenders’ loan books but are important enough to be monitored.
BUSINESS
Industry loan growth signals a late recovery of private capex
If companies aren’t confident enough to borrow, there is no path for private capex revival
BUSINESS
How liquidity dictates policy transmission more than rate changes
BUSINESS
Chart of the Day: How to read RBI’s forex intervention? Look both sides
Forex intervention is a necessity in the age of growing global uncertainties.
BUSINESS
Dual regulation must go to arrest frequent deaths among cooperative banks
Dual regulation is making cooperative banks a cesspool of corruption
BUSINESS
Two years since whip on unsecured loans, which banks are toeing the regulatory line?
Unsecured lending has been reined in but stress is about to flare up more.
BUSINESS
A change of guard at the RBI may not mean a change of approach in forex
New governor Malhotra has stuck to the old script when it comes to forex intervention, both in talk and walk
BUSINESS
Banks, NBFCs on better footing after RBI softens regulatory stance
Tighter regulations are now deferred but relief on margins won’t be quick for banks
BUSINESS
Budget push for MSMEs would work, but safeguards are key
Credit push of the budget comes when lenders and banking regulator are growing increasingly uneasy towards MSMEs
BUSINESS
Tariffs make dollar supreme, India’s choices more difficult than ever
Amid tariffs, the RBI will need to choose a battle it can win: either exchange rate or domestic inflation
BUSINESS
Government did not rock the boat for bonds as Budget restrains borrowing
There is no negative domestic factor for the bond market this year
BUSINESS
AI makes banks smart, but pain points remain, says Economic Survey
Relying extensively on AI to assess credit risk of a potential borrower opens up the bank to future vulnerabilities
BUSINESS
Bajaj Finance Q3 burnishes its growth record, but asset quality needs watching
Reasons to doubt Bajaj Finance’s growth momentum seem to have largely disappeared
BUSINESS
RBI’s measures are a relief, but is the bond market divorced from liquidity realities?
Bond yields are down sharply since the beginning of FY25 even as liquidity progressively tightened.
BUSINESS
Can HDFC Bank lift loan growth from the dumps without harming its book?
Thinning spreads are making wholesale loans bland and credit risk is keeping retail too hot to handle
BUSINESS
Can agents whip up profitable growth for SBI Life?
Shifting from a formidable parent support to agents for more business is commendable but filled with challenges.
BUSINESS
Rising dollar, US yields could rob bond market of lower supply benefits
A friendlier fiscal and monetary policy may fail to benefit bonds as foreign money flees
