Delinquency vs default: Know the difference and how they affect your credit score and borrowing abilityIf you are confused by personal finance terms, jargon and calculations, here’s a series to simplify and deconstruct these for you. In the 1...
25 May, 2026, 11.12 AM IST
Credit at the tap: The opportunities and risks of India’s digital lending boomIndia's digital lending is rapidly transforming credit access, with mobile apps now disbursing significant loan volumes, especially to youn...
13 May, 2026, 09.00 AM IST
Over-leveraged borrowers put Rs 15,800 crore microfinance portfolio at riskMicrofinance has become a double-edged sword, with substantial debt levels amassing to about ₹15,800 crore among borrowers juggling multipl...
12 May, 2026, 12.50 AM IST
NBFCs doing well, but Iran war, margins cloud road aheadNon-banking finance companies anticipate strong growth in the upcoming quarter. However, rising funding costs may limit profit margins. Ana...
13 Apr, 2026, 09.49 AM IST
Housing finance stocks near inflection point, Bernstein picks 2 favouritesAffordable housing finance stocks are nearing a turning point. Bernstein highlights attractive valuations and improving growth and asset qu...
09 Apr, 2026, 01.07 PM IST
As India's MSME sector matures, IDBI Bank's Sumit Phakka says the lending framework must keep paceIndia's small businesses are now driving economic growth. New government budgets are boosting MSME financing and support. Digital tools are...
08 Apr, 2026, 03.52 PM IST
View: The US economy is replaying the 2000s, not the 1970sThe US economic landscape is grappling with a double-edged sword. Remnants of the 1970s stagflation are evident in sluggish employment figu...
08 Apr, 2026, 03.29 PM IST
Gold loan NBFCs have enough buffer for now — but a second 15% price drop would test them: Fitch RatingsGold prices have dropped over 15%, but India's gold loan NBFCs remain stable due to strong collateral buffers. Fitch Ratings notes that a f...
01 Apr, 2026, 05.44 PM IST
Banks' credit growth to moderate in FY27; NPAs to inch up: Crisil RatingsBanks' credit growth is projected to slightly slow to 13% in FY27, with a potential 0.20% rise in bad loans to 2.5% by March 2027, accordin...
01 Apr, 2026, 03.31 PM IST
Credit scores drop amid loan payment struggles: Is rising student loan and mortgage delinquency hurting U.S. borrowers in 2026?The average U.S. credit score fell to 714 in October 2025. This fresh data highlights a worrying shift in consumer finances. Credit scores ...
25 Mar, 2026, 09.46 PM IST
Consumer debt crisis deepens: Americans are falling behind on credit cards, loans, and mortgages - is it time to worry?Americans now owe $18.6 trillion in household debt. United States consumer debt crisis is growing fast. Millions of borrowers are strugglin...
11 Nov, 2025, 08.51 PM IST
Retail loan growth moderates in Sept qtr; unsecured loan NPAs go up: ReportHome loans, the bulwark for retail exposures for banks given the high ticket sizes, showed no growth at all in the September quarter origin...
06 Feb, 2024, 08.56 PM IST
Delinquency rates for digital credit industry at 4.2% in FY23: reportFor the digital lending industry, which came under pressure during Covid-19, FY21 and FY22 were tough years as several large credit fintech...
21 Aug, 2023, 05.30 PM IST
Home loan portfolios of many banks begin showing signs of stress“In June, the number of claims we are paying is nearly three times what we were paying in March 2020. So, in a 15-month period, the number ...
04 Aug, 2021, 07.01 AM IST
Why delinquencies for unsecured loans may go up regardless of asset classesGold loan and home loan NBFCs will be least impacted whereas unsecured loans, MSME loans and wholesale loans will be more impacted given th...
20 Apr, 2021, 06.34 PM IST
NBFCs, HFCs set to face NPA heat, says Crisil14 Dec, 2017, 08.10 PM IST
- Finance cos funding delinquent accounts to dress up books
Lenders of the finance companies and arms of banking groups are ‘funding’ delinquent accounts to window-dress their books.
28 Aug, 2007, 03.38 AM IST