BUSINESS
Karnataka Governor's rejection of MFI Ordinance a timely wake-up call for government
An excessive punitive approach not only risks stifling the microfinance sector but also threatens to undermine the very credit ecosystem that sustains the state's most vulnerable populations
BUSINESS
Banking Central | Will rate and tax cuts deliver the promised consumption boost?
A 25 bps rate cut alone is unlikely to significantly reduce EMIs—translating to mere hundreds of rupees in savings for most borrowers.
BUSINESS
Quick Take: Sanjay Malhotra’s first rate cut marks an important policy shift for RBI
A faltering growth scenario required monetary policy support. Inflation, the old nemesis of rate cuts, is no longer breathing fire. The RBI used this window to change tracks
BUSINESS
SBI Q3 numbers tick all the right boxes, but challenges persist
SBI’s asset quality, while stable, hints at lingering fragility within sectors like microfinance
BUSINESS
Moneycontrol Pro Panorama | Asian Paints fades on urban demand, Mint Road holds the palette
The rather disappointing earnings from Asian Paints Ltd., India’s largest paints player, is yet another indicator of a widening dichotomy between the rural and urban demand. While there is a pickup in rural demand, urban demand scenario remains sluggish.
BUSINESS
Chart of the Day | Easing price trends set stage for a Friday rate cut
Food inflation, the villain in India’s inflation story, has finally begun to ease, although it is too early to say whether the decline is deceptive.
BUDGET
Banking Central | Banks may benefit from FM Nirmala Sitharaman’s Budget credit push
Some measures announced in the Budget 2025 such as support for MSMEs and agriculture may help banks improve credit and deposit growth but these are high-risk segments
BUDGET
Big reforms missing in Budget, but banks could benefit from FM’s consumption boost
If the consumption boost translates into higher credit and deposit growth, the sector might still find reasons to cheer.
BUSINESS
Reforms in Insolvency Code: Why FM must take cues from Economic Survey
More courts, more benches, and better infrastructure were promised, but execution has been sluggish. Without immediate investment in strengthening the NCLT’s capacity, the backlog will only worsen, defeating the very purpose of the IBC
BUSINESS
Moneycontrol Pro Panorama | We expect too much from the Union Budget
In Moneycontrol's Pro Panorama Jan 29 edition: We have had innumerable plans and blueprints. What we need to do is focus on execution
BUSINESS
Karnataka’s proposed MFI Bill can turn out be a double-edged sword for the industry
The proposed bill is intended to address the increasing complaints of harassment by lenders, especially in rural areas, where farmers and marginalized communities have become vulnerable to exploitative lending practices.
BUSINESS
Budget Snapshot | Agri credit target to cross Rs 28 lakh crore in this Budget, what’s in it for banks?
Banks are increasing fund flows to the agriculture sector because it’s an obligation under the rules. Under the priority sector lending (PSL) norms, banks are mandated to lend 18 percent of the adjusted net bank credit to agriculture
BUSINESS
Banking Central| What do the latest bank results tell us about industry trends
The banking sector's December quarter results, so far, reflect an underlying pressure. Banks face the twin challenge of managing the slowdown in credit growth and as keeping deposits healthy
BUSINESS
Moneycontrol Pro Panorama | Is the American dream souring for Indians?
For the Jan 22 edition of Moneycontrol Pro Panorama: The U.S. still holds immense potential, but its once-unquestionable allure is now being viewed through a more pragmatic lens.
BUSINESS
Budget Snapshot | No pressing need to capitalise PSBs in this Budget
The RBI rules require banks to maintain a minimum Capital to Risk-Weighted Assets Ratio (CRAR) of 11.50%. This requirement applies to credit risk, market risk, and operational risk. As the chart shows, most PSBs have a CRAR of 16% and above
BUSINESS
Banking Central| Slower loan growth, rising stress: What do bank earnings tell us about state of economy?
Banks may see slower credit growth and face pressure on interest margins.
BUSINESS
RBI’s aggressive forex interventions have countered volatility, but at what cost?
Foreign exchange interventions, both spot and forward, effectively counter capital flows volatility, with symmetric effects of purchases and sales, says article by RBI researchers
BUSINESS
Moneycontrol Pro Panorama | Rupee’s tantrums throw fresh challenges to MPC
In Moneycontrol Pro Panorama Jan 15 edition: India must boost private investment in roads, decoding indicators to understand market sentiment, government likely to present roadmap on bank privatisation, tackling agriculture productivity challenges, and more
BUSINESS
Budget Snapshot: Will government present a road map on bank privatisation?
Missing the large-ticket reforms in the next five years will put Indian banks one step back. Privatising India's dozen PSBs has been a tough task and an unkept promise
BUSINESS
Small lenders had it tough in 2024, will 2025 see a recovery?
It's not just a funding squeeze that's a bother for MFIs, their asset quality too has shown deterioration in 2024 and there are regulatory concerns on lending discipline
BUSINESS
Banking Central | Why Kerala revenue recovery law tweak leaves banks worried
The amendment to the Kerala Revenue Recovery Act, 1968, will allow the state to intervene in the recovery process. It lets the defaulter to either take back the attached property or sell to repay banks
BUSINESS
Moneycontrol Pro Panorama | Growth worries persist
In Moneycontrol Pro Panorama January 8 edition: Trump 2.0 and the risk it poses for India, challenges India's options market faces, infra sector needs to ensure consistent growth, separating facts about hMPV from fear, and more
BUSINESS
Budget Snapshot: Will Budget 2025 prioritise stress resolution in banking?
An analysis by CareEdge Ratings highlights worsening delays in the corporate insolvency resolution process (CIRP). By September 2024, over 71% of ongoing CIRPs exceeded the 270-day completion timeframe, up from 63% in September 2022 and 67% in September 2023.
BUSINESS
Banks’ Q3 business updates: Why is credit growth slowing sharply?
Business updates of banks suggest slowdown in credit growth and rise in stress across certain categories. Do these signal suggest a deeper demand slowdown?
