BUSINESS
Resilient loan segments make some NBFCs a good pick amid downturn
Housing finance continues to win among investors and unsecured lending is an untouchable.
BUSINESS
A handful of states beget more stress for banks chasing credit growth
Not only are bad loans concentrated in a few states, they are also from a handful of segments.
BUSINESS
How much is too much in RBI’s forex market intervention?
Central bank interventions tend to distort market price but that is a cost worth taking sometimes
BUSINESS
Fusion Microfinance’s scary Q2 shows all that is wrong among microlenders
Fusion’s problems represent all that is wrong with the microfinance industry, mainly loose underwriting process.
BUSINESS
Banks are de-risking their loan book, but not all risky loans are slowing
It is once again safer to lend to big companies and avoid unsecured small loans
BUSINESS
Trump’s trade war threat against China signals a bumpy ride for India’s exchange rate
Trump’s trade policies would make Asian economies get into a currency war soon and the Indian rupee won’t be able to avoid it.
BUSINESS
SBI Life’s growth comes under pressure in Q2, but FY25 won’t disappoint
Protection business fell during the September quarter, which could weigh on profitability prospects.
BUSINESS
Credit bureau numbers show why RBI sounded alarm on non-bank microfinance lenders
Microfinance borrowers are a vulnerable lot and lenders need to assess credit appropriately.
BUSINESS
IMF calls for fiscal tightening as global debt set to balloon beyond $100 trillion
Public debt is enemy no. 1 of growth, irrespective of the size of the economy or debt
BUSINESS
Can asset sales fix the woes of public sector general insurers?
Growing profitable underwriting business is the key to survival for public sector general insurers.
BUSINESS
Early asset quality unease must keep bank investors on alert beyond Q2
Q2 would just be a peak in the quality of the loan book, but investors must closely watch the upcoming quarters
BUSINESS
With stance changed to neutral, will RBI canter, trot, or gallop towards rate cuts?
Inflation is now more of a lean horse than a stubbornly heavy elephant. Bringing it under control is still no easy task
BUSINESS
RBI’s draft norms on bank subsidiaries take aim at plugging regulatory holes
Banks cannot have NBFC subsidiaries that are in the same business as the parent
BUSINESS
Know your MPC: What the three new members bring to the table
The first meeting of MPC with new external members is unlikely to throw up dissent.
BUSINESS
Has the stock market made Indian households rich, post pandemic?
Bullish equity markets make for great household wealth creation, but what goes up also comes down
BUSINESS
There is more pain in store for banks from credit cards
A busy third quarter doesn’t spell good news for asset quality.
BUSINESS
Priority sector lending boosts banks’ profitability: RBI study
Private sector banks have warmed up to priority sector lending after inclusion of small business loans under it
BUSINESS
India’s bond market loves the Fed, but it should love the RBI more
A stable exchange rate is making it easier for foreign investors to buy Indian bonds
BUSINESS
FY24: The year banks reclaimed their dominance as the financier for India Inc
Banks have been a key instrument in funding the investment-led economic growth cycle
BUSINESS
Fintechs must shed their Wild West label to become more reliable
Some fintechs are still gunslinging in the unsecured lending market
BUSINESS
Life insurers are winning in business growth, but volatile profits weigh on valuation
Private life insurers have snatched market share away from LIC but profitability has been a different story.
BUSINESS
Bajaj Finance must leap over a tough quarter even as housing finance IPO sees frenzy
Bajaj Finance will have to wait to use the neat pile of cash it would get from the Bajaj Housing Finance IPO
BUSINESS
Bajaj Housing Finance needs more than a successful IPO to become the next HDFC
Bajaj Housing Finance would need a steady growth rate and consistently pristine asset quality to become the most valued HFC
BUSINESS
It's time for the RBI to be truly flexible on inflation targeting
The RBI needs to adapt flexibility and focus not just on headline inflation but on core too
