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  • Govt announces compound interest waiver on moratorium loans — here's is how it will affect borrowers Oct 24, 2020 11:03 PM IST

    Govt announces compound interest waiver on moratorium loans — here's is how it will affect borrowers

    Although the government has finally announced its scheme on waiving interest on interest on moratorium loans, the relief to small borrowers is minimal. You will still need to pay your principal and original interest.

  • Banks can restructure loans to COVID-19-impacted real estate firms on the basis of project rather than developer Oct 15, 2020 08:19 PM IST

    Banks can restructure loans to COVID-19-impacted real estate firms on the basis of project rather than developer

    The move will ensure that projects are evaluated individually before being declared NPAs; buyers no longer will have to wait for an indefinite period for their homes and developers will get greater payment flexibility.

  • RBI Monetary Policy: Governor Das announces on-tap TLTRO of Rs 1 lakh crore Oct 09, 2020 10:55 AM IST

    RBI Monetary Policy: Governor Das announces on-tap TLTRO of Rs 1 lakh crore

    RBI Monetary Policy: Governor Shaktikanta Das announced that the central bank would conduct open market operations (OMOs) in State Development Loans (SDLs).

  • Only 33% real estate developers receive investment-grade loans Sep 05, 2020 12:36 PM IST

    Only 33% real estate developers receive investment-grade loans

    As many as one-third of developer loans are categorised as sub-investment grade. Substantial delays and stranded projects have led to deterioration in the financial health of developers

  • The best home loan rates from non-banking finance companies Sep 04, 2020 10:44 AM IST

    The best home loan rates from non-banking finance companies

    Larger housing finance companies offer interest rates in the range of 7-7.2 per cent, but several other NBFCs charge much higher rates

  • Prepaid cards to small loans, fintechs tap the young to power business Aug 24, 2020 11:58 AM IST

    Prepaid cards to small loans, fintechs tap the young to power business

    Startups like FamPay and Slice are coming up with products tailored for students and young professionals. Can they get these consumers to stick around and expand their product suite as they grow up?

  • RBI may extend loan moratorium period for stressed sectors: Report Jul 23, 2020 01:01 PM IST

    RBI may extend loan moratorium period for stressed sectors: Report

    Sectors such as hospitality, automobiles and aviation might get a breather on loan repayments for a few more months

  • This startup will offer loans against cars as collateral  Jul 21, 2020 01:34 PM IST

    This startup will offer loans against cars as collateral 

    Cars24 has launched a new financing product to help car owners avail loans at 100% of the current value of the vehicle.

  • Those who opt for moratorium should not apply for fresh loans: TransUnion CIBIL Jun 29, 2020 10:20 AM IST

    Those who opt for moratorium should not apply for fresh loans: TransUnion CIBIL

    We expect a drop in approval rates for all major retail products

  • Loan moratorium: When interest compounding works against you Jun 26, 2020 10:25 AM IST

    Loan moratorium: When interest compounding works against you

    If you can, it is better to keep paying your EMIs and not take the moratorium

  • RBI guidelines to rein in fintechs that use bullying recovery tactics Jun 25, 2020 12:02 PM IST

    RBI guidelines to rein in fintechs that use bullying recovery tactics

    RBI’s move to bring in more transparency on lending ensures that borrowers know who they are dealing with, upfront

  • Know your rights to fend off recovery bullies unleashed by fintech lenders Jun 19, 2020 11:19 AM IST

    Know your rights to fend off recovery bullies unleashed by fintech lenders

    When you borrow, you’ve got to repay. But lenders cannot humiliate you and use aggressive methods for recovery

  • Loan moratorium: Why rewarding prompt repayments may work better than interest waivers Jun 19, 2020 09:18 AM IST

    Loan moratorium: Why rewarding prompt repayments may work better than interest waivers

    A win-win proposal would be offering a ‘prompt payment’ discount to all borrowers who pay all their instalments on time after availing the moratorium facility.

  • Consumer loans disbursement back to pre-COVID level: HDFC Bank Jun 17, 2020 08:59 PM IST

    Consumer loans disbursement back to pre-COVID level: HDFC Bank

    The Mumbai-headquartered lender's country head for consumer finance Parag Rao said changes in lifestyle due to aspects like lockdowns and work from home has created additional demand for items such as television sets, laptops, Wi-Fi routers and even vacuum cleaners, which the bank is funding at present.

  • Lenders include COVID-19 query to clear personal and housing loan applications Jun 11, 2020 09:55 PM IST

    Lenders include COVID-19 query to clear personal and housing loan applications

    "We ask the applicants about the layoffs, pay cuts and losses in business due to coronavirus related lockdown before accepting their loan applications," an official in the LIC Housing Finance Limited told PTI.

  • Coronavirus pandemic | Demand for credit cards, personal loans to go up, so will stress in these segments: Report   Jun 11, 2020 03:06 PM IST

    Coronavirus pandemic | Demand for credit cards, personal loans to go up, so will stress in these segments: Report  

    Banks should redesign their mix of secured and unsecured lending to take care of their assets, TransUnion Cibil has said.

  • COVID-19 | Remonetise gold to tide over the economic crisis May 13, 2020 11:33 AM IST

    COVID-19 | Remonetise gold to tide over the economic crisis

    The value of gold in India is estimated to be 40 percent of the nominal GDP. Monetising 10 percent of this will ensure a liquidity of Rs 13 lakh-crore, which can be used to overcome the crisis

  • All you need to know about loans against insurance policies May 08, 2020 09:32 AM IST

    All you need to know about loans against insurance policies

    If you default, the insurance company would simply foreclose your policy and recover its dues

  • Coronavirus pandemic | NBFCs ask RBI for one-time restructuring of all loans till March 2021 May 05, 2020 02:49 PM IST

    Coronavirus pandemic | NBFCs ask RBI for one-time restructuring of all loans till March 2021

    NBFCs have also demanded for extension of the Reserve Bank of India's moratorium to them

  • Switch to repo-linked home loans in COVID times, save on EMIs Apr 30, 2020 09:05 AM IST

    Switch to repo-linked home loans in COVID times, save on EMIs

    If your home loan is linked to the MCLR or Base Rate, move to repo-linked lending rate to reduce your interest outgo

  • Home loan top-ups: Rates are lower, but avoid them unless faced with a desperate cash crunch Apr 20, 2020 08:47 AM IST

    Home loan top-ups: Rates are lower, but avoid them unless faced with a desperate cash crunch

    Any type of loan should be your last resort, especially in these times of salary and job cuts

  • RBI offers bad-loan classification relief to borrowers and banks Apr 17, 2020 03:00 PM IST

    RBI offers bad-loan classification relief to borrowers and banks

    Moratorium period to be excluded for NPA recognition

  • Adidas cleared for 3 billion euros in rescue loans Apr 15, 2020 08:19 AM IST

    Adidas cleared for 3 billion euros in rescue loans

    The company based in Herzogenaurach, Germany, said Tuesday that it was suspending dividends, share buybacks and 2020 executive bonuses as a condition of getting the loan “to bridge this unprecedented situation.”

  • Facing a cash crunch? Take the moratorium, but increase EMIs later Apr 09, 2020 11:19 AM IST

    Facing a cash crunch? Take the moratorium, but increase EMIs later

    A marginal increase in your EMI after the crisis can offset higher interest outgo arising out of moratorium

  • Coronavirus impact | MFIs feel there will be pent-up demand for loans after lockdown ends Apr 08, 2020 04:14 PM IST

    Coronavirus impact | MFIs feel there will be pent-up demand for loans after lockdown ends

    "A large section of our population is self-employed. We expect a bounce back since this self-employed low-income segment is perennially credit-starved," said Harsh Shrivastava, CEO, Microfinance Institutions Network.

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