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  • The importance of appreciating the essence of banking Oct 19, 2020 10:58 AM IST

    The importance of appreciating the essence of banking

    In order to deconstruct banking, we begin with the term deposit. Do banks take ‘deposits’? No

  • Jai Kisan raises Rs 30 crore from Arkam Ventures, Nabard arm Jun 16, 2020 06:07 PM IST

    Jai Kisan raises Rs 30 crore from Arkam Ventures, Nabard arm

    The rural fintech startup has given loans worth Rs 50 crore to farmers in the last six months.

  • Coronavirus impact | Significant drop in approval rate of personal loan, LAPs, says report Jun 11, 2020 05:01 PM IST

    Coronavirus impact | Significant drop in approval rate of personal loan, LAPs, says report

    Demand for secured lending products like auto loans and home loans is likely to remain weak for some time, the TransUnion CIBIL report states.

  • How much have banks cut lending rates in this cycle? Jun 10, 2020 10:37 AM IST

    How much have banks cut lending rates in this cycle?

    Transmission has accelerated but there are still a lot of inhibiting factors

  • RupeeRedee moves into B2B software solutions, will help other NBFCs ‘GoDigital’ May 26, 2020 06:15 PM IST

    RupeeRedee moves into B2B software solutions, will help other NBFCs ‘GoDigital’

    The company is positioning itself for a post-coronavirus world that is expected to see a spike in demand for digital customer services

  • Fintech startup Nira closes $2.1-million funding round from angels Apr 29, 2020 01:05 PM IST

    Fintech startup Nira closes $2.1-million funding round from angels

    The startup will use funds to hire fresh talent and scale up operations

  • Macro Matters | RBI paper says low GDP growth may be reason for low bank deposit growth May 14, 2019 10:25 AM IST

    Macro Matters | RBI paper says low GDP growth may be reason for low bank deposit growth

    Study implies there has been a secular deceleration in trend GDP growth since 2009

  • Quick Take | Why Ola wants to hail an NBFC license Jan 24, 2019 05:56 PM IST

    Quick Take | Why Ola wants to hail an NBFC license

    Cab aggregators are looking to diversify as business growth is slowing down. Softbank-backed Ola already does transactions and an NBFC licence will help it diversify into allied segments for growth.

  • The bright future of digital lending in India Aug 02, 2018 07:35 PM IST

    The bright future of digital lending in India

    The year 2017 tested the staying power of many entrepreneurs. The implementation of the Goods and Services Tax (GST) this time last year marked a seismic shift in the way the government interacts with the private sector.

  • Linking Base Rate and MCLR:  How it will impact your loan EMI and what you should do Feb 08, 2018 12:49 PM IST

    Linking Base Rate and MCLR: How it will impact your loan EMI and what you should do

    The MCLR regime was introduced by the RBI in April 2016 for better transmission of policy rate reductions to bank customers.

  • Here's why private banks may have shown interest in Axis Bank Feb 22, 2017 09:00 AM IST

    Here's why private banks may have shown interest in Axis Bank

    Morgan Stanley feels that Axis may have seen interest based on its strong retail deposit franchise, which make up for almost 80 percent of its funding. However, it has also highlighted concerns on the bank's profitability based on its NPAs.

  • NDB to double lending every yr; staff count to increase:Kamath Jan 23, 2017 04:40 PM IST

    NDB to double lending every yr; staff count to increase:Kamath

    BRICS countries' National Development Bank expects its lending to double every year over the next 2-3 years and is looking at leveraging its USD 10 billion capital in first 6-7 years, NDB President K V Kamath has said.

  • COMMENT: 3 ways in which banks are wiping out benefits of cash ban Jan 09, 2017 03:50 PM IST

    COMMENT: 3 ways in which banks are wiping out benefits of cash ban

    Banks are the conduit through which the benefits of a high deposit base are likely to accrue. But if banks use it as a toll gate and start charging for every transaction, the economy would go back to its old ways.

  • Rates slashed, but consider these factors while taking home loan Jan 02, 2017 06:18 PM IST

    Rates slashed, but consider these factors while taking home loan

    Interest rate is one of the factors, and probably the most important one, while taking a loan. However, there are other things that are important to consider.

  • RBI tightens lending norms for larger corporates Dec 01, 2016 06:52 PM IST

    RBI tightens lending norms for larger corporates

    Reserve Bank of India (RBI) has tightened the rules for bank's lending to large corporate entities. The rule is applicable from April 1, 2019.

  • Crisis or no crisis, Dr Urjit Patel has tough task ahead of him Sep 07, 2016 06:40 PM IST

    Crisis or no crisis, Dr Urjit Patel has tough task ahead of him

    Unlike Raghuram Rajan, Urjit Patel does not take over in a crisis. But the new RBI Governor may well find that normalcy is not much easier than a crisis.

  • Banks consolidation next fiscal, priority to end NPAs: BBB chief Aug 16, 2016 08:38 PM IST

    Banks consolidation next fiscal, priority to end NPAs: BBB chief

    The consolidation of more banks may begin from next fiscal as the priority today is to unlock the jammed lending system with the Non-Performing Assets (NPAs) sitting over balance sheets of banking institutions, Banks Board Bureau chief Vinod Rai said today.

  • Don't be over-zealous while lending: RBI Dy Governor to banks Jun 09, 2016 06:52 PM IST

    Don't be over-zealous while lending: RBI Dy Governor to banks

    Reserve Bank Deputy Governor S S Mundra on June 9 asked banks to refrain from being "over-zealous" while lending, saying it leads to over-indebtedness of customers, results in default and spoils their credit history

  • JPM ups Yes Bank price target, says stock at discount to peers Jun 03, 2016 09:22 AM IST

    JPM ups Yes Bank price target, says stock at discount to peers

    JP Morgan feels Yes Bank's model of structured lending and aggressive monitoring and recoveries helps it avoid credit losses even when lending to weaker corporates and sectors

  • Separate businesses will be an India-focussed story: Religare May 30, 2016 02:43 PM IST

    Separate businesses will be an India-focussed story: Religare

    Religare Enterprises is all set for a three-way split as a part of its restructuring process. Post this, the company will be able to list its first health insurance company on Indian bourses.

  • Credit offtake of banks to pickup from next month: Vinod Rai May 12, 2016 05:12 PM IST

    Credit offtake of banks to pickup from next month: Vinod Rai

    Credit offtake to industry, which has seen decline in the recent past due to slowdown in certain sectors and issues related to bad loans, is likely to see an uptick from next month, Bank Board Bureau chief Vinod Rai said on May 12

  • Bank stocks returns to mirror corporate health: HDFC Sec's Sheth Apr 21, 2016 11:16 AM IST

    Bank stocks returns to mirror corporate health: HDFC Sec's Sheth

    We should look at Equitas as a small finance bank now and not really as a purely as a microfinance play, says Dipen Sheth, Head Institutional Research, HDFC Securities

  • Indiabulls Housing Finance cuts lending rates by 0.25% Oct 06, 2015 10:21 PM IST

    Indiabulls Housing Finance cuts lending rates by 0.25%

    Indiabulls Housing Finance today said it has lowered its lending rates by 0.25 percent to 9.60 percent from the existing 9.85 percent.

  • HDFC slashes lending rate by 0.25% to 9.65% Oct 05, 2015 08:57 PM IST

    HDFC slashes lending rate by 0.25% to 9.65%

    The effective home loan rate for new customers would be 9.65 percent, while for women borrowers, it would be 9.60 percent, HDFC said in a statement. The existing rate for new customers is 9.9 percent, whereas for women, it is 9.85 percent.

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