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For Moneycontrol's Pro Panorama October 24 edition: Indian elections are caught in a populist loop, walking the fine line between growth and green, the real cost of your investment, stagnant productivity as lenders chase deposits, and more

OPINION | Does the rise of non-bank funding represent financial disintermediation or liquidity shuffling?

On paper, non-bank sources have offset the fall in bank funding to commercial sector. But trace the source of funds and we go back in many cases to banks, who continue to play an outsized role. India still lacks enough diversity in sources of funding

Bankers optimistic of 11-15% credit growth in FY26

Systemic credit growth stood at 10.03 percent year-on-year in the fortnight ended August 22, signalling that banks are ramping up credit ahead of the festival season amid rate cuts and expected consumption boost following GST regime overhaul.

After a tough FY25, fintech NBFCs expect GST cuts to revive growth and margins this year

Industry watchers expect a phase of consolidation, where stronger players with healthier balance sheets and access to capital markets will pull ahead, while smaller or weaker NBFCs, especially those focused on unsecured lending, may be forced to rethink their strategy or seek partnerships.

Bank or fintech app? Learn the key differences in personal loans

Understanding the difference between traditional banks and latest fintech apps will help you choose which loan to go for.

Why interoperable netbanking is the next big leap for India’s payments infrastructure

UPI revolutionised retail payments. Large ticket transactions, mostly at the wholesale level, are still executed through a clunky process. That may soon be a thing of the past as the payment regulator is working on transforming this space

Vault Matters | Bank or NBFC, the valuation dilemma

Remaining an NBFC has merit, but converting to a bank offers long-term funding advantages. The dilemma lies in the cost and valuations involved in the transition

Bank Nifty slips into red on profit booking, trades below 57,000; ICICI Bank, HDFC Bank drag

Nifty Bank clocked a fresh record high of 57,049 in the previous session, led by investor optimism after the RBI trimmed the repo rate and the CRR.

Bank Nifty rallies to record high of 57,000 as RBI's CRR, repo rate cuts boost optimism

The Bank Nifty index extended its gains from the previous session to hit another fresh record high in trade on June 9, 2025, with Kotak Bank leading the winners.

Moneycontrol Pro Panorama | Trading like a central bank

For Moneycontrol Pro Panorama's May 30 edition: India can capitalise on use America’s MAGA moment to promote MIGA, even cinema calls out POCSO misuse, US tariff uncertainty looms over this textile firm, Cummins banks on global tailwinds, and more

First-time home buyers Would you opt for an NBFC or a bank

NBFCs provide convenient and quick home loans for first-time buyers with unorganized credit histories, but banks tend to offer lower rates of interest and superior long-term value.

How long should you wait before getting a second credit card?

Spreading your credit card applications apart can shield your credit score and increase your chances of approval.

Bulls buy banks! ICICI Bank, SBI, Kotak Bank jump 5%, Bank Nifty inches closer to 52 week high

Bank Nifty emerged as the top sectoral gainer in trade as bulls bought banking stocks amid a broad-based market recovery.

Karnataka seeks World Bank aid to induct 4,000 electric buses

Karnataka Cabinet on April 11 approved the Preliminary Project Report (PPR) submitted to avail World Bank funding for electric buses across four transport corporations

Bengaluru Metro suspends issuance of new National Common Mobility Cards, existing users face recharge glitches

BMRCL officials say RBL NCMC cards will be replaced with closed-loop smart cards free of cost.

Chart of the Day | Who is losing in the great battle for bank deposits?

Among PSBs, private banks and foreign banks, the rivalry to garner deposits is picking up. There is no mercy in this battle for survival.

RBI to meet bankers next week to discuss new liquidity model

The Reserve Bank of India is scheduled to meet bank economists on April 3 to take feedback on proposed revisions

Online stores in China sell soil from outside of top banks for Rs 10,500, claim it brings wealth

According to the Chinese regulations on urban landscaping, no one is allowed to destroy urban green spaces, including the digging of soil outside of banks, so many sellers choose to source their wares in the middle of the night.

Utkarsh Small Finance Bank shares tumble 15% to all-time low after bank posts Rs 168-crore Q3 loss

The bank's asset quality also saw a sharp deterioration. Its net non-performing assets (NPA) jumped multifold to Rs 457.69 crore in Q3 FY25, up from Rs 29 crore in Q3 FY24.

RBI curbs on New India Co-operative Bank: What next for depositors?

The RBI has said depositors cannot withdraw funds from their savings, current or any other account in the six-month period when the restrictions will remain in place

Karnataka: KSRTC to take Rs 624-crore loan to clear PF, other dues

The state government In December permitted four STUs, including KSRTC and BMTC, to avail a Rs 2,000 crore loan

Vault Matters | Catch ‘em young! Rethinking deposit strategies for the prime earning demographic

Indian banks favour senior citizens with higher deposit interest rates, but neglect the 28-55 age group. To attract younger customers, banks must innovate, perhaps by offering equity-like deposit products with guarantees, supported by regulatory and government backing

Vault Matters | Why lenders need to be blamed for the ‘overleveraging’ mess

The recent issue of a customer complaining about being harassed by banks for repaying multiple loans despite low income, highlights a lack of proper loan assessments, inadequate tracking of borrowers' credit scores, and the dangers of increasing indebtedness due to unchecked lending practices

AU Small Finance Bank Q3 net profit rises 41% YoY to Rs 528 crore

AU Small Finance Bank Q3 Results: Net interest income (NII) jumps nearly 53 percent year-on-year to Rs 2,022.5 crore; asset quality weakens

Pre-earnings updates of banks signal a fall in credit off-take

Growth in personal loans has fallen off the cliff, while growth in gold loans has surged