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Falling funding costs and equity infusions bolster credit profiles of non-bank lenders.
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Ashish Madhaorao More, joint secretary in the finance ministry, has also said NBFCs are uniquely positioned to break the last-mile green finance gap and can help India meet its emission goals
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Lenders have until April 1, 2026, to comply with the new norms
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Sources say the transaction which has concluded at 1.07 times Profectus’ projected FY26 net worth, is being funded by UGRO through proceeds from its recently completed equity raise and internal accruals.
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Analysts feel that while the MFI sector has been grappling with asset quality stress, the short-term nature of these loans suggests that the worst could be over, unless macroeconomic conditions worsen.
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About 468 applications were either returned or withdrawn by the applicants, while 66 were rejected outright.
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India’s mom-and-pop shops need access to cheap credit and a partnership of banks and NBFCs can get this done.
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Gold loan interest rates currently range from 8.75% to 27% across banks and NBFCs, with Canara Bank offering the lowest and NBFCs like IIFL and Muthoot charging higher rates for added flexibility.
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Under the existing framework, co-lending is limited to partnerships between banks and NBFCs and exclusively focused on PSL categories
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India's loan growth story isn't over; it's merely taking a breather.
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Any financial support from the budget is likely to provide crucial to fintech businesses struggling to secure commercial finance in their early stages, say industry insiders
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India’s healthy economic outlook should translate into growth in pockets such as home loans, commercial vehicles, but some segments hold both opportunities and risks
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As the smaller NBFCs fail to raise money from the bond market at attractive rates, they are left with only two options - either shrink their credit growth or borrow at a higher rate from banks
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NBFC funding by banks may not pick up in the foreseeable future despite the liquidity infusion
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NBFCs are risk takers but riskier lending is under the regulatory glare now.
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Until three years ago, being a specialist like a microfinance lender or catering exclusively to affordable housing or consumer loans helped, especially in raking premium valuations. Today, being a jack of all trades is helping lenders position themselves better amidst concerns emerging in various pockets of the financial services sector
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Non-Banking Financial Companies (NBFCs) have gained popularity in India as viable alternatives to banks, providing various financial services like loans and investments. However, as they continue to grow, ensuring their authenticity and credibility becomes essential, especially for depositors.
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On October 17, the central bank took action against four NBFCs and NBFC-MFI citing material supervisory concerns
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Some NBFCs have been pushing credit to customers beyond their borrowing capacity by imposing stiff performance targets on employees
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Even after this shift bank funding remains the biggest source. NBFCs borrow from banks to then lend to borrowers at a margin
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Gold prices have escalated in recent years and are up by 25.96 percent year-over-year. This makes the yellow metal a more valuable commodity for banks to give loans against.
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There has been strong growth in unsecured personal loan disbursals in the books of NBFCs vis-à-vis banks. These are high-risk loans that could cause problems down the road
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Data shows banks are now very selective in funding NBFCs; only top-rated NBFCs get loans at relatively lower rates. Borrowers rated AA and below are struggling to access bank credit
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When the rate cuts do happen, analysts predict that NBFCs will benefit because of fixed-rate loans
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The Reserve Bank of India (RBI) issued revised norms for non-banking financial companies (NBFCs) and HFCs on August 12
