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CREDIT UTILISATION RATIO
Bank of India MF CIO Alok Singh sees banks poised for a re-rating. Here’s what could trigger itBank of India Mutual Fund CIO Alok Singh sees scope for banks to re-rate as low NPAs, healthy returns and loan growth support fundamentals....- Are you maximising value from your credit card? Here's when rewards justify the feeDon't be fooled by the flashy credit card rewards that might not deliver true value. Learn how to accurately assess your card's worth beyon...
- ET Prime Special Series: Multibagger or IBC - Part 73: The customer pays slowly. The machines depreciate slowly tooThe title of this series sounds binary. The businesses rarely are. Between a multibagger and bankruptcy lies a large middle ground where co...
- FPI return to India may be tactical, not structural yet: HSBC MF’s Venugopal ManghatForeign investors are cautiously returning to Indian equities, but a durable FPI reallocation remains unconfirmed. HSBC Mutual Fund’s Venug...
- Round-tripping: How a company hands itself money and calls it your investment – fooling investors and regulators alikeShare capital looks like one of the simplest numbers on a balance sheet. A company issues a certain number of shares, investors pay for the...
- India Inc clocks strongest revenue growth in 9 quarters; margins squeezed by rising costsIn the June quarter, Indian companies celebrated remarkable revenue growth, reaching a nine-quarter high. Despite this, profits grew by onl...
- Bonus issue alert! This smallcap infra stock that jumped 50% in a month has declared 1:1 bonus issueChavda Infra has announced a 1:1 bonus issue, with shareholders set to receive one additional share for every share held. The Ahmedabad-bas...
- India Inc is returning to banks for money, but retail borrowers aren’t keeping paceIndia’s largest private banks are witnessing a shift in credit demand, with corporate and SME lending driving loan growth while retail borr...
- India's non-sovereign debt may rise to 150 pc of GDP by 2047: CrisilIndia's non-sovereign debt may reach 150 percent of GDP by 2047. This increase is essential for achieving a USD 30 trillion economy. Banks ...
- Private banks write off nearly half of NPAs in FY26, outpace PSBsPrivate banks significantly reduced bad loans by writing off nearly half of their exposure. This cleansing effort primarily targeted unsecu...
- Using over 30% of your credit card limit? Here’s why it’s hurting your score and how to fix it
- Want to get home loan at cheapest interest rate? 5 ways to boost your credit score over 800A low credit score can raise borrowing costs and impact loan approvals, but it can be improved with simple steps.
- Is your credit card application getting denied? Know the reasonsIf your credit card application has been denied, it’s important to fix the possible reasons, such as a low credit score, low income, limite...
- 5 factors affecting credit scoreThere are various factors that impact an individual's credit score. Here are the five most common among them.
- How to avoid rejection of personal loan applicationMost lenders consider your loan application after looking at the minimum net monthly income and accordingly, they sanction your loan amount.
- Why you need 2-3 credit cardsYou can derive a lot of benefits and lower your costs by smartly using multiple credit cards.
- Seven things that can impact your credit scoreCredit score has a direct impact on your financial life. Higher credit score suggests lower risk of default and vice versa. These 7 factors...
- How your credit card affects home loan eligibilityDid you know that having a higher credit card limit can considerably reduce your chances of getting a home loan application approved? Yes! ...
- Is a higher credit limit good for you?Credit bureaus take the credit utilisation ratio into account to calculate an individual’s credit score, to be used by banks to determine o...
- Top of your mind: Should you increase your credit limit on credit card?Credit bureaus take the credit utilisation ratio into account: higher the ratio, lower the score.
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