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UNSECURED CONSUMPTION LOANS
Used car loans grew faster than auto loans in last five years despite higher stress: ReportUsed car financing grew faster than auto loans over five years. The used car finance portfolio reached Rs 1.3 lakh crore by June 2026. Auto...- Formal retail credit access doubles over past decadeIndia’s formal retail credit market has expanded sharply over the past decade, with credit access rising from 35% of consumers in 2017 to 7...
- India in strongest credit growth phase since 2012 on robust corporate demand: ReportIndia's credit expansion is currently its strongest since 2012. Corporate loan growth reached a thirteen-year high in May. Household loan g...
- China's record consumer defaults undermine Beijing's push to boost spendingChinese banks are reluctant to increase lending as bad loans rise. The government wants borrowing to boost consumption and economic growth....
- Credit cards lose ground as small-ticket personal loans gain traction: CIBILCredit cards now hold 38% of unsecured credit, down from 56% in 2016. Small personal loans under fifty thousand rupees have gained signific...
- Devil is in the footnotes: RBI's Financial Stability Report is transparent, yet leaves some key questions unansweredThe RBI's latest financial stability report highlights a noteworthy level of transparency regarding significant economic metrics. There’s a...
- Credit cards are losing ground to small personal loans, TransUnion CIBIL data showsCredit cards are losing share in India's unsecured lending market as consumers increasingly opt for small-ticket personal loans and other c...
- India's active credit cards cross 120 million in MayIndia’s credit card market crossed 120 million active cards in May, driven by strong new additions even as spending growth slowed, accordin...
- Buy, Sell or Hold: Elara Capital initiates buy on Bharti Airtel; Goldman Sachs has buy rating on IndigoBrokerages remained positive on select telecom, aviation and banking largecaps despite near-term macro uncertainties. Elara Capital initiat...
- Public banks take a leap in personal loan originationPublic sector banks are now originating more unsecured personal loans. They focused on larger loan amounts, especially over Rs 10 lakh. Thi...
- RBI rules out risk weight reduction on unsecured loansRBI data on sectoral bank credit deployment indicates that since November 2023, there has been a notable increase in growth in other collat...
- Fintechs parse end use of personal loansKey players in this sector include LendingKart, Axio, Fibe, KreditBee, TruBalance, Vivifi, and others. This shift follows a regulatory push...
- Indian banks' credit losses in credit cards at nearly 6% - Macquarie CapitalDefault rates in credit cards and unsecured loans are rising, with losses in credit cards nearing 6%. Young millennials are reportedly defa...
- RBI Gov tells lenders to be cautious while extending consumption related personal loansThe Reserve Bank of India governor Shaktikanta Das urged caution in issuing personal loans for consumption, highlighting heightened risks i...
- Risk weighting slows unsecured loan growthThe growth of unsecured credit in India, including personal loans and credit card outstanding, slowed to 18% in April from 23% in November ...
- RBI Deputy Governor Swaminathan wants lenders to 'curtail' consumption loansSwaminathan J, a deputy governor at the Reserve Bank of India, today said the central bank wants lenders to cut down on consumption loans o...
- RBI circular does not affect Fedbank Fin’s unsecured portfolio: MD“Unsecured loans get repaid within 30 months as opposed to secured mortgage loans which get repaid in about eight years. Which is why with ...
- Small ticket loans, a fintech-favourite, are seeing stress & banks are growing waryAs signs of stress emerge in the small-ticket personal loans sector in India, several banks are becoming cautious about engaging in the uns...
- What are unsecured loans and why are banks eager to sanction them despite risks? An explainerUnsecured loans are a hot topic among investors as well as the regulator. What are these loans and why are they taken by people? Why are ba...
- NBFCs growth to be stronger due to unsecured loans, says ICRAICRA has reconsidered its assessment for non-bank finance companies (NBFCs), forecasting growth in the unsecured retail loans market. The a...
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