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  • Small businesses welcome plans for UPI-like digital platform for MSME lending Dec 07, 2021 04:43 PM IST

    Small businesses welcome plans for UPI-like digital platform for MSME lending

    MSMEs face a huge credit gap—the World Bank pegs this at a collective $380 billion—even though they are entitled to bank finance under priority sector lending norms.

  • Second COVID wave batters microfinance, lenders positive on outlook Oct 27, 2021 06:25 PM IST

    Second COVID wave batters microfinance, lenders positive on outlook

    Disbursements declined 73 percent to Rs 23,700 crore in the April-June quarter from Rs 88,500 crore in the fourth quarter of FY21

  • India Internet Day 2021: Fintech founders on what sets them apart from traditional financial services Sep 24, 2021 06:39 PM IST

    India Internet Day 2021: Fintech founders on what sets them apart from traditional financial services

    On the panel organized by TiE Delhi-NCR, founders said that new-age fintech companies break away from the limitations of traditional banks and NBFCs making them go-to lenders. Fintechs are also awaiting a well-defined law to incorporate crypto in their business models.

  • Why do millennials flock P2P platforms? Jul 16, 2021 05:55 PM IST

    Why do millennials flock P2P platforms?

  • Using shame, lending apps in India squeeze billions out of the desperate Apr 05, 2021 05:20 PM IST

    Using shame, lending apps in India squeeze billions out of the desperate

    A new crop of lenders is flooding borrowers and their social circles with pleas, threats and sometimes fake legal documents. Such loss of honour can be fatal at times

  • Exclusive: Five Star Finance seeks $1.2 billion valuation, Morgan Stanley may exit Mar 16, 2021 10:07 AM IST

    Exclusive: Five Star Finance seeks $1.2 billion valuation, Morgan Stanley may exit

    Morgan Stanley may sell part of its stake for close to $100 million to Sequoia Capital’s Global Growth Fund. Till 2004, Five Star had a loan book of less than Rs 1 crore, which grew to Rs 100 crore by 2012. The lender’s real growth has come since 2012, and it has grown 20 times since.

  • Sequoia-backed MoneyTap to launch ‘Buy Now Pay Later’ model Feb 10, 2021 05:18 PM IST

    Sequoia-backed MoneyTap to launch ‘Buy Now Pay Later’ model

    BNPL is becoming used increasingly by millenials for shopping online and traveling, but its risk needs to be fully understood

  • 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.

  • 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

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