Fintech lenders now lead India's personal loan market by loan count. These digital NBFCs are disbursing s ...More

Fintech lenders now lead India's personal loan market by loan count. These digital NBFCs are disbursing small-ticket loans, reaching more customers in smaller cities and younger demographics. Their loan book has grown significantly, and asset quality is improving. Fintech lending is becoming a key part of India's retail credit landscape. ...Less

A young Indian couple earning a combined ₹1.7 lakh monthly faces financial strain. High loan EMIs, includ ...More

A young Indian couple earning a combined ₹1.7 lakh monthly faces financial strain. High loan EMIs, including a ₹70,000 personal loan, leave them with minimal savings. Essential expenses and personal spending further deplete their income. This situation highlights the financial pressures on India's middle class, impacting their ability to save and plan for the future. ...Less

Understanding personal loan EMIs is crucial for managing major expenses. An EMI calculator helps estimate ...More

Understanding personal loan EMIs is crucial for managing major expenses. An EMI calculator helps estimate monthly repayments based on loan amount, interest rate, and tenure, enabling informed borrowing decisions. Bajaj Finance offers flexible personal loans with amounts up to ₹55 lakh and tenures up to 108 months, ensuring convenient repayment options. ...Less

Indian banks are offering more loans at lower interest rates. Almost two-thirds of all bank credit now ha ...More

Indian banks are offering more loans at lower interest rates. Almost two-thirds of all bank credit now has rates below 9%. This shift follows a year of aggressive rate cuts. While credit growth is strong, banks' profit margins face pressure. Metropolitan areas and public sector banks lead lending. Agriculture and industrial credit also accelerated. Personal loan growth moderated. ...Less

Jefferies has initiated coverage on Poonawalla Fincorp with a Buy rating and a target price of Rs 490. Th ...More

Jefferies has initiated coverage on Poonawalla Fincorp with a Buy rating and a target price of Rs 490. The brokerage sees strong growth potential driven by a new leadership team and an expanded product range. Poonawalla Fincorp is expected to achieve the fastest AUM growth among major NBFCs. Profitability is also projected to improve significantly, supporting premium valuations. ...Less

The Reserve Bank of India has maintained the repo rate at 5.25%. This decision comes as policymakers asse ...More

The Reserve Bank of India has maintained the repo rate at 5.25%. This decision comes as policymakers assess the effects of higher energy prices and supply chain issues. The ongoing West Asia conflict is a key factor. Home loans and business borrowing costs are expected to remain stable. Savers will likely see fixed deposit rates stay near current levels. ...Less

Indian banks are witnessing a significant shift as nearly two-thirds of credit now carries sub-9% interes ...More

Indian banks are witnessing a significant shift as nearly two-thirds of credit now carries sub-9% interest rates, a consequence of aggressive RBI rate cuts. This trend, while fueling robust credit growth across sectors, is pressuring banks' net interest margins. The household sector continues to drive borrowing, with personal loans seeing a notable moderation. ...Less

...More

...Less

Following the revision, the bank's MCLR, which is the lender's internal benchmark for pricing loans, stan ...More

Following the revision, the bank's MCLR, which is the lender's internal benchmark for pricing loans, stands in the range of 8.05% to 8.65%, compared with 8.05% to 8.60%, previously. The steepest increase was in the two-year tenor, where the rate was raised by 10 bps to 8.55%. The benchmark one-year MCLR, which serves as the reference rate for most retail loans including home, was increased by 5 bps to 8.40%. ...Less

During 2025-26, ARCs acquired stressed debt worth more than Rs 2 lakh cr, comprising Rs 1.5 lakh cr of co ...More

During 2025-26, ARCs acquired stressed debt worth more than Rs 2 lakh cr, comprising Rs 1.5 lakh cr of corporate loans and Rs 50,000 cr of retail assets. Retail acquisitions increased Rs 54,727 cr year-on-year, while corporate acquisitions expanded Rs 1.5 lakh cr. ...Less

Bank credit is growing faster than deposits. Lending to industries is slowing down due to global uncertai ...More

Bank credit is growing faster than deposits. Lending to industries is slowing down due to global uncertainties. Loans against gold jewellery are still increasing, though at a slightly slower pace. Overall, banks are seeing a shift in their lending patterns. This trend is expected to continue with moderating credit growth this fiscal. ...Less

If oil prices stay at higher levels, some FPIs with exposure to the Indian banking sector through ETFs mi ...More

If oil prices stay at higher levels, some FPIs with exposure to the Indian banking sector through ETFs might decide to sell, putting these stocks under pressure at periodic intervals. Check out Stock Reports Plus, powered by Refinitiv, for price targets of over 4,000 listed stocks along with detailed company analysis focusing on five key components ,earnings, fundamentals, relative valuation, risk, and price momentum, to generate standardised scores. SR+ Reports is a complimentary offering to ETPrime members. ...Less

Sachin Bansal's Navi Technologies is in talks to raise $250-300 million at a $1.8-2 billion valuation, po ...More

Sachin Bansal's Navi Technologies is in talks to raise $250-300 million at a $1.8-2 billion valuation, potentially from Prosus and Accel Growth Fund. This funding aims to expand its lending business in Southeast Asia, following strong performance in India. The move comes after a period of regulatory scrutiny and a shift from IPO plans to private capital. ...Less

Borrowers struggling with debt often face harassment from recovery agents through abusive calls, threats, ...More

Borrowers struggling with debt often face harassment from recovery agents through abusive calls, threats, public shaming, and unauthorised visits, despite RBI rules prohibiting such practices. Experts say many borrowers are unaware of their rights and grievance mechanisms. RBI guidelines allow complaints against harassment and provide borrower protections, while debt restructuring and one-time settlements can help resolve repayment difficulties and reduce financial stress. ...Less

The consumer lending startup closed the full 2026 financial year with operating revenues of Rs 2,179 cror ...More

The consumer lending startup closed the full 2026 financial year with operating revenues of Rs 2,179 crore and a net profit of Rs 281 crore. This is the company’s first quarterly result after being listed earlier this year. ...Less

ICICI Prudential AMC CIO S. Naren described the current market as a “boring phase,” marked by a tug-of-wa ...More

ICICI Prudential AMC CIO S. Naren described the current market as a “boring phase,” marked by a tug-of-war between FIIs and domestic mutual funds. At the ET Alpha Wealth Summit, he outlined five market-cycle phases, warning that parabolic asset rallies and leveraged investing are classic signs of bubbles. ...Less

Tamil Nadu saw a 2.3% quarter-on-quarter squeeze in the state's microfinance outstanding portfolio to Rs ...More

Tamil Nadu saw a 2.3% quarter-on-quarter squeeze in the state's microfinance outstanding portfolio to Rs 38,900 cr at the end of March, while Karnataka recorded a mere 1.1% growth during the period, data from credit information company Crif High Mark showed. Karnataka had outstanding microfinance loans of Rs 28,600 cr at March-end. ...Less

Global capital flows are shifting away from semiconductor-heavy markets like South Korea and Taiwan. This ...More

Global capital flows are shifting away from semiconductor-heavy markets like South Korea and Taiwan. This tech-led meltdown presents an opportunity for India. Foreign investors may return to Indian markets, which are seen as a diversified domestic-economy-led alternative. This shift could lead to an explosive rally for Indian stocks. ...Less

Filing your Income Tax Return is more than just a tax duty. It acts as a vital financial record. It helps ...More

Filing your Income Tax Return is more than just a tax duty. It acts as a vital financial record. It helps in getting loans approved. You can claim tax refunds if you paid extra. Your ITR proves your income, especially for freelancers. It allows carrying forward losses to reduce future taxes. Many countries require it for visa applications. ...Less

Given how the market has moved in the last five-six trading sessions, the probability is high that a new ...More

Given how the market has moved in the last five-six trading sessions, the probability is high that a new readjustment trade has started. This trade takes into account the second- and third-order impact of rising crude oil prices, as also a poor monsoon that could play spoilsport for the Indian economy. What does this mean for the banking sector? Check out Stock Reports Plus, powered by Refinitiv, for price targets of over 4,000 listed stocks along with detailed company analysis focusing on five key components ,earnings, fundamentals, relative valuation, risk, and price momentum, to generate standardised scores. SR+ Reports is a complimentary offering to ETPrime members. ...Less

The new complaint alleges insider trading by Samir Agarwal, former zonal head of eastern India at IndusIn ...More

The new complaint alleges insider trading by Samir Agarwal, former zonal head of eastern India at IndusInd Bank, manipulation of financial records, evergreening of microfinance loans, suppression of audit findings and attempts by senior management and board members to conceal irregularities. ...Less

A home loan EMI calculator is an invaluable tool for financial planning, allowing users to estimate month ...More

A home loan EMI calculator is an invaluable tool for financial planning, allowing users to estimate monthly repayments, total interest, and repayment schedules by inputting loan amount, interest rate, and tenure. It aids in comparing loan options, optimizing tenure, planning prepayments, and potentially saving significant interest costs. ...Less

Shalibhadra Finance is set for major expansion. The company aims to more than double its loan book by FY2 ...More

Shalibhadra Finance is set for major expansion. The company aims to more than double its loan book by FY29. This growth will be fueled by new products like Micro LAP and home loans. Geographic expansion into new states is also planned. Technology investments will enhance efficiency. Shalibhadra Finance is positioning itself for significant growth in the retail finance sector. ...Less

Just look at developments in the past 48 hours. The war between Iran and Israel resumed, but within hours ...More

Just look at developments in the past 48 hours. The war between Iran and Israel resumed, but within hours Tehran said it had halted all offensive operations. This suggests that the US is making an attempt to settle matters; but it might not be an easy thing to achieve. Coming to the market, the way the street has treated Q4 FY26 numbers shows that selling pressure can emerge for stocks that disappoint. And in all probability, there are more disappointments than positive surprises. ...Less

The Indian stock market is no longer correcting only because of sentiment. It is now adjusting to the pos ...More

The Indian stock market is no longer correcting only because of sentiment. It is now adjusting to the possibility of weaker numbers in the next few quarters. So, portfolio values may decline further. But for long-term investors, the question is not whether prices can fall in the short term. Yes, they can. The question is: Can this decline be used to buy better businesses at saner valuations? ...Less

The news mix could not be more confusing. On the one hand, the US House voted to halt Trump’s Iran war, a ...More

The news mix could not be more confusing. On the one hand, the US House voted to halt Trump’s Iran war, and Israel and Lebanon again agreed to a ceasefire. But on the other, attacks on Gaza continued, there were fresh clashes between the US and Iran, and the talk emerging from Tehran remained defiant. So, don’t be surprised if the markets remain confused, with uncertainty being the predominant emotion. The market is not currently for those with a short-term outlook. Why? Because there are many macro headwinds. One will have to look and think beyond them to invest. ...Less

In an interview, Swiggy group CEO Sriharsha Majety explained the outlook for the quick commerce industry ...More

In an interview, Swiggy group CEO Sriharsha Majety explained the outlook for the quick commerce industry and the shareholder vote hurdle, among other things. This and more in today’s ETtech Top 5. ...Less

The latest escalation in the US-Iran war means that crude oil price is back as a risk for India. Although ...More

The latest escalation in the US-Iran war means that crude oil price is back as a risk for India. Although we are in a market already struggling with weak sentiment, mid-cap underperformance, monsoon uncertainty, and likely earnings pressure, this is not a time for panic. It is, instead, a time to accept that your patience may be tested further. ...Less

...More

...Less

Has a peace deal been agreed on by the US and Iran? Will the fragile ceasefire hold? No one can answer th ...More

Has a peace deal been agreed on by the US and Iran? Will the fragile ceasefire hold? No one can answer these questions with any certainty. But whenever the war ends, the probability is that volatility will continue for a while in most emerging markets, including India. The reason we are saying this is because some sectors were facing headwinds even before the war began. And for others, things are not going to be easy. ...Less

Many Indian professionals appear wealthy but face financial stress due to illiquid assets. Chartered Acco ...More

Many Indian professionals appear wealthy but face financial stress due to illiquid assets. Chartered Accountant Nitin Kaushik highlights this issue. Professionals often tie up funds in long-term investments like property and retirement funds. This leaves them unable to access cash for emergencies. They may resort to high-interest loans. True financial strength lies in accessible cash reserves and preparedness. ...Less

Most investors live by one ratio. That ratio that tells them all they want to know – or should one say al ...More

Most investors live by one ratio. That ratio that tells them all they want to know – or should one say all they want to hear? They open a screen, sort by it, and start picking from the bottom. It is the habit of a lifetime, and it is wrong more often than they realise. But add a single letter to the ratio and it changes which stocks look cheap, which look expensive, and which look like a trap. In a market that has gone nowhere for 20 months, getting that distinction right has rarely mattered more. ...Less

It is always important to make a distinction between sentiment and real business. While sentiment can imp ...More

It is always important to make a distinction between sentiment and real business. While sentiment can impact prices in the short term, it is business fundamentals that matter in the long term. And if they are turning structurally better, just ignore the noise on the street. Check out Stock Reports Plus, powered by Refinitiv, for price targets of over 4,000 listed stocks along with detailed company analysis focusing on five key components ,earnings, fundamentals, relative valuation, risk, and price momentum, to generate standardised scores. SR+ Reports is a complimentary offering to ETPrime members. ...Less

If the US-Iran ceasefire holds, the markets may see some recovery. The movement of crude oil prices and i ...More

If the US-Iran ceasefire holds, the markets may see some recovery. The movement of crude oil prices and its impact on the markets supports this thesis. In such a scenario, the probability that mid-caps might make a comeback attempt is high. It is, however, unlikely to be an across-the-board rally. It will, instead, be a sector-specific rally. And it will come with many ifs and buts. So, do shed fear, but not caution. ...Less

As India’s unsecured lending boom accelerates, collections are emerging as the next major battleground fo ...More

As India’s unsecured lending boom accelerates, collections are emerging as the next major battleground for fintechs and lenders. ...Less

Given the fluctuating situation in the Gulf region because of the US-Iran conflict, there is no guarantee ...More

Given the fluctuating situation in the Gulf region because of the US-Iran conflict, there is no guarantee that the market will not fall further. If the selling continues, it surely will. However, even if the selling stops, it does not mean that a bull party will restart immediately. It will take its own sweet time. ...Less

Retail market investors are presented with a choice. Act now, when the uncertainty quotient is high. Or, ...More

Retail market investors are presented with a choice. Act now, when the uncertainty quotient is high. Or, wait for things to settle down. In the second case, you may end up buying stocks that are priced 5-10% higher compared to current levels. But the advantage is that your anxiety quotient will be much lower. And that is important, because decisions taken in anxious times can be terrible for the health of your portfolio. Also: As the market makes a serious attempt at a recovery, sticking to some important rules is a must. ...Less

If the price of crude oil softens, Indian equities may again see a risk-on phase. Tariff concerns are no ...More

If the price of crude oil softens, Indian equities may again see a risk-on phase. Tariff concerns are no longer the central issue; the larger market trigger is oil, because crude influences inflation, currency, margins, fiscal comfort, and foreign investor appetite. In such a market, one-time favourites often return to the screen. But not every familiar name deserves fresh capital. These 25 stocks should be on the watchlists of both traders and investors. Some have upside potential, some do not. But all need to be judged through liquidity, institutional interest, sector triggers, and price confirmation. ...Less

From a cancer diagnosis in Kolkata to a layoff in Bengaluru to Covid panic in Agra—real investors, real c ...More

From a cancer diagnosis in Kolkata to a layoff in Bengaluru to Covid panic in Agra—real investors, real crises, and the real cost of walking away. ...Less

This is easy to say, but difficult to actually implement: As an investor, make a distinction between the ...More

This is easy to say, but difficult to actually implement: As an investor, make a distinction between the day-to-day movement of indices and your decision to own a business for the long term. This distinction is the key to creating wealth in the market. But it is tough to do at a time when all the stocks that used to be in the green are now in the red. Our selected stocks for today depict a strong upward trajectory in their overall average score which is based on five key pillars: Earnings, fundamentals, relative valuation, risk, and price momentum. This implies that there has been a significant improvement in their market outlook in the given time frame. ...Less

Indian banks are increasingly offering loans against mutual funds. This move targets younger, tech-savvy ...More

Indian banks are increasingly offering loans against mutual funds. This move targets younger, tech-savvy customers who prefer market-linked investments. Banks are leveraging digital platforms for a seamless process. This product is expected to gain popularity in the coming years as more people invest in mutual funds. ...Less

For the next few weeks, what needs to be watched is market breadth. And also look at which sectors are le ...More

For the next few weeks, what needs to be watched is market breadth. And also look at which sectors are leading the rally. Why? Because, at this point of time, there are sectors and stocks which may see a recovery just because they are witnessing a short-covering bounce. And one needs to differentiate between short covering rallies and uptrends happening for fundamental reasons. ...Less

Nitin Kaushik shared how a 34-year-old teacher transformed her finances despite earning Rs 42,000 monthly ...More

Nitin Kaushik shared how a 34-year-old teacher transformed her finances despite earning Rs 42,000 monthly and carrying Rs 3 lakh debt at 18% interest. Instead of starting SIPs immediately, she aggressively repaid the loan within 14 months, saving over Rs 55,000 in interest. After becoming debt-free, she began disciplined SIP investing, which grew into an Rs 11.08 lakh portfolio by May 2026. Her credit score also improved from 634 to 771, highlighting the power of financial sequencing and long-term compounding. ...Less

As the risk created by the US-Iran war keeps crude oil prices elevated, the list of stocks where investor ...More

As the risk created by the US-Iran war keeps crude oil prices elevated, the list of stocks where investors can deploy fresh money with comfort has become shorter. Higher oil is a tax on India’s macro-economy, corporate margins, and market sentiment. But that is only one side of the story. The correction of the last one-and-a-half years has brought some high-quality businesses back from expensive territory into a more reasonable valuation zone. But they are still not necessarily cheap. ...Less

Bonds are a crucial financial tool for retail investors. They allow individuals to become lenders, earnin ...More

Bonds are a crucial financial tool for retail investors. They allow individuals to become lenders, earning fixed interest income. This income can be used for expenses or reinvested, building wealth. Bonds provide stability and regular income, complementing equities for balanced portfolios. Access to bonds is improving, empowering investors to understand money's mechanics and build structured portfolios. ...Less

Given the latest news flow from the Gulf region, the probability is high that we might once again see the ...More

Given the latest news flow from the Gulf region, the probability is high that we might once again see the bulls attempting a comeback. As uncertainty caused by the US-Iran war continues, just remember one thing: Keep your eye on the Q4 earnings numbers that are pouring in. Finally, that is what matters to the street. ...Less

As Bandhan Bank accelerates its transition from a microfinance-led institution into a universal bank, Exe ...More

As Bandhan Bank accelerates its transition from a microfinance-led institution into a universal bank, Executive Director & COO Ratan Kumar Kesh explains how technology, AI, and data are reshaping lending, customer acquisition, and financial empowerment. ...Less

India's digital lending is rapidly transforming credit access, with mobile apps now disbursing significan ...More

India's digital lending is rapidly transforming credit access, with mobile apps now disbursing significant loan volumes, especially to younger demographics and underserved regions. While offering convenience and speed, regulators are ensuring transparency and consumer protection amidst evolving market dynamics and persistent risks. ...Less

Here’s a thing investors in equity need to keep in mind. A large part of the upmove one might see in the ...More

Here’s a thing investors in equity need to keep in mind. A large part of the upmove one might see in the next one or two trading sessions would likely be the result of short-covering in the indices. It will have nothing to do with the fundamentals of sectors or companies. So, the message is: Ignore the indices and focus on individual stocks. ...Less

There are reasons to expect more volatility in the short term. The Street will adjust to the likely decli ...More

There are reasons to expect more volatility in the short term. The Street will adjust to the likely decline of both the top and bottom lines of companies in some sectors, especially in the case of companies where oil and/or any imported element has a role to play as raw material. Our selected stocks for today depict a strong upward trajectory in their overall average score, which is based on five key pillars: earnings, fundamentals, relative valuation, risk, and price momentum. This implies that there has been a significant improvement in their market outlook in the given time frame. ...Less

...More

...Less

A ₹10,000 instant personal loan may look small on paper, but that doesn’t mean you should choose a lender ...More

A ₹10,000 instant personal loan may look small on paper, but that doesn’t mean you should choose a lender casually. ...Less

Bengaluru-based digital banking platform Freo has acquired credit marketplace IndiaLends, which will cont ...More

Bengaluru-based digital banking platform Freo has acquired credit marketplace IndiaLends, which will continue to operate as a separate entity. This strategic move aims to leverage synergies between the two platforms, which target similar customer segments. Freo, which offers digital banking services and credit products, will now be able to serve over 50 million users. ...Less

When a friend or a relative asks you for a personal loan, always seek time. There is no need to feel pres ...More

When a friend or a relative asks you for a personal loan, always seek time. There is no need to feel pressurised to respond immediately. Sometimes, just saying that you will think about it is enough for the other to back off. They may feel hesitant to follow up, or seek others. ...Less

Inflation is at a 13-month high, primarily led by a rise in food prices. And with an impending fuel price ...More

Inflation is at a 13-month high, primarily led by a rise in food prices. And with an impending fuel price hike, it could spike even more. An appeal by the prime minister for austerity, an earnings season with some good and more not-so-good numbers, and valuations that are not cheap even even after an extended correction. All this is a perfect cocktail for a correction. There may be a silver lining, though. Check out Stock Reports Plus, powered by Refinitiv, for price targets of over 4,000 listed stocks along with detailed company analysis focusing on five key components ,earnings, fundamentals, relative valuation, risk, and price momentum, to generate standardised scores. SR+ Reports is a complimentary offering to ETPrime members. ...Less

Canara Bank has revised its lending rates. The bank increased its Marginal Cost of Funds Based Lending Ra ...More

Canara Bank has revised its lending rates. The bank increased its Marginal Cost of Funds Based Lending Rate by 5 basis points for all loan tenors. These new rates are effective from May 12, 2026. Borrowers with MCLR-linked loans may see higher EMIs. Bank of Baroda has kept its MCLR rates unchanged. ...Less

As nothing can be ruled out on the street, be prepared for anything. Now, what is the probability that th ...More

As nothing can be ruled out on the street, be prepared for anything. Now, what is the probability that the bears will be chased away from the market in the next couple of weeks? The optimist will say that there has been no negative news from the Gulf region. There are even reports that some ships have been able to cross the Strait of Hormuz without any trouble. But the pessimist will say that it is just the lull before the storm and that the region’s troubles are far from over. The reality is that no one can say anything with certainty. ...Less

In the stock market, everything has to be seen in context. The most noticeable thing these past few days ...More

In the stock market, everything has to be seen in context. The most noticeable thing these past few days is that there is not much Gulf-related news. It appears as if things are on hold in terms of the US-Iran war because US President Trump is traveling to China. Also, if oil prices stay at these levels, earnings will be re-adjusted. And the market seems to be pricing in higher crude prices. ...Less

Inflation's rise impacts living costs, prompting the RBI to manage it via the repo rate. Changes in this ...More

Inflation's rise impacts living costs, prompting the RBI to manage it via the repo rate. Changes in this rate directly affect personal loan interest, with unsecured loans responding faster. Understanding these dynamics and borrower profiles helps in preparing for loan applications and securing favorable terms. ...Less

There are two ways to deal with the kind of uncertainty the US-Iran war has brought to the stock market. ...More

There are two ways to deal with the kind of uncertainty the US-Iran war has brought to the stock market. First, you could just sit it out and let the situation clear up. This not only means that you stop buying, but also selling. The reason why we are talking about selling is because even the most rational minds get jittery when they see their portfolio value coming down every day and sense that “fear” is the overwhelming emotion on the street. And this fear might persist on the street for some time. There is, of course, another option. ...Less

...More

...Less

Digital lending firm Kissht debuted on the BSE at a premium. The company's shares opened at Rs 191, climb ...More

Digital lending firm Kissht debuted on the BSE at a premium. The company's shares opened at Rs 191, climbing to Rs 208 by market close. This listing values Kissht at Rs 3,511 crore. Early investors are realizing significant gains on their stakes. Kissht has shown strong growth in assets under management and revenue. ...Less

Indian banks saw strong credit growth of 15.9 percent in the 2025-26 fiscal year. This reflects a vibrant ...More

Indian banks saw strong credit growth of 15.9 percent in the 2025-26 fiscal year. This reflects a vibrant economy and high demand for loans. Services, personal loans, agriculture, and industry all contributed to this expansion. The Finance Ministry highlighted India's resilience as the world's fastest-growing major economy amidst global challenges. ...Less

OnEMI Technology Solutions, parent of digital lending platform Kissht, debuted on Dalal Street with an 11 ...More

OnEMI Technology Solutions, parent of digital lending platform Kissht, debuted on Dalal Street with an 11% premium over its IPO price. The Rs 926 crore IPO saw strong demand, particularly from institutional investors. Proceeds will bolster its NBFC subsidiary for future loan growth. ...Less

Your salary is just the start for loan approval. Lenders scrutinize your income after deducting all curre ...More

Your salary is just the start for loan approval. Lenders scrutinize your income after deducting all current EMIs. This remaining amount, measured by the Fixed Obligation to Income Ratio, dictates your borrowing capacity. Keeping this ratio below 50% is key. Existing EMIs significantly reduce how much more you can borrow. Even small EMI reductions can boost your loan eligibility. ...Less

OnEMI Technology Solutions shares saw a strong debut, jumping 11% on their listing day. The company opera ...More

OnEMI Technology Solutions shares saw a strong debut, jumping 11% on their listing day. The company operates digital lending platforms Kissht and Ring. Analysts suggest caution due to potential volatility but highlight the company's customer base and technology. Strong financial growth and a large user base position it for future opportunities in India's credit market. ...Less

Non-food credit growth in FY26 stood at 15.9% against 10.9% in the corresponding period last year. The ag ...More

Non-food credit growth in FY26 stood at 15.9% against 10.9% in the corresponding period last year. The aggregate credit outstanding in March 2026 reached ₹212.9 lakh crore, ₹29.2 lakh crore higher than the previous year. ...Less

Some valuation ratios are used because they are easy. The PE ratio is one of them. It is simple, familiar ...More

Some valuation ratios are used because they are easy. The PE ratio is one of them. It is simple, familiar, and convenient. Not only for the buyer but also for the market participant who is selling that narrative. But markets are rarely simple. A PE ratio tells an investor what the market is paying for a company’s earnings. It does not tell you whether those earnings are growing fast enough, whether growth is durable, or whether the current earnings are close to a cyclical peak. That is why, in many cases, PE is only the first question. It is not the answer. ...Less

Investors can check their OnEMI Technology IPO allotment status today. The fintech company's public issue ...More

Investors can check their OnEMI Technology IPO allotment status today. The fintech company's public issue closed on May 5. Shares are set to list on May 8. The IPO saw strong demand. The grey market indicates a positive listing. Allotment status is available via KFin Technologies or exchange websites. Successful applicants will see shares credited on May 7. ...Less

Retail-focused NBFC InCred Holdings has filed updated draft papers with Sebi for its proposed IPO, aiming ...More

Retail-focused NBFC InCred Holdings has filed updated draft papers with Sebi for its proposed IPO, aiming for a valuation of around Rs 15,000 crore. The issue size is estimated at Rs 3,000-4,000 crore, comprising a fresh issue and an Offer For Sale by existing shareholders. The company plans to launch when market conditions are suitable. ...Less

Bank loans for washing machines and televisions are falling. Banks are now focusing on credit cards for t ...More

Bank loans for washing machines and televisions are falling. Banks are now focusing on credit cards for these purchases. Non-banking finance companies are taking over this market. This trend is driven by the small loan amounts involved. Consumer durable loans represent a tiny fraction of total bank lending. This shift is expected to continue. ...Less

As the stock market witnesses a recovery, what one should watch for is market breadth. Also, check which ...More

As the stock market witnesses a recovery, what one should watch for is market breadth. Also, check which sectors are leading the rally. Why? Because, at this point of time, there are sectors and stocks which may do well just because they are witnessing a short-covering bounce. So, make a distinction between buying being witnessed in a sector at a lower level, and short covering. And remember: Short covering-led upmoves don't sustain. ...Less

The news flow is mixed in the case of banking stocks. The numbers so far this quarter suggest that all is ...More

The news flow is mixed in the case of banking stocks. The numbers so far this quarter suggest that all is well with the sector and banks are mostly in good shape. Remember, however, there is a war going on in the background that is pushing up crude oil prices. If the situation persists, risks will emerge where bank stocks are concerned. But then investors need to learn to deal with long- or short-term risks. Check out Stock Reports Plus, powered by Refinitiv, for price targets of over 4,000 listed stocks along with detailed company analysis focusing on five key components, earnings, fundamentals, relative valuation, risk, and price momentum, to generate standardised scores. SR+ reports is a complimentary offering to ETPrime members. ...Less

Federal Bank is acquiring Standard Chartered's credit card portfolio, gaining a high-quality, younger cus ...More

Federal Bank is acquiring Standard Chartered's credit card portfolio, gaining a high-quality, younger customer base with strong credit scores. The deal presents significant cross-selling opportunities for Federal Bank to expand its product offerings. However, customer attrition and geographic reach are potential challenges that the bank aims to mitigate. ...Less

Kotak Mahindra Bank delivered strong Q4 results with unexpected margin expansion and declining credit cos ...More

Kotak Mahindra Bank delivered strong Q4 results with unexpected margin expansion and declining credit costs. While management anticipates flattish margins ahead due to rising deposit rates, analysts believe growth in unsecured lending and CASA deposits, along with operating leverage and fee income recovery, can sustain a strong return on assets. ...Less

Digital lending platform Kissht, operated by OnEMI Technology Solutions, plans an IPO to raise ₹850 crore ...More

Digital lending platform Kissht, operated by OnEMI Technology Solutions, plans an IPO to raise ₹850 crore for its lending subsidiary. Despite strong AUM and customer growth, elevated NPAs and a heavy reliance on unsecured personal loans pose risks. Investors may await financial stability post-listing. ...Less

To be eligible, loans must be extended to individuals or small businesses with turnover up to ?500 crore, ...More

To be eligible, loans must be extended to individuals or small businesses with turnover up to ?500 crore, fall under standard retail products, remain within a ?10 crore exposure cap per borrower, and form part of a diversified portfolio where no single borrower accounts for more than 0.2%. ...Less

Personal loan interest rates 2026: Personal loans offer flexible terms and minimal documentation, with in ...More

Personal loan interest rates 2026: Personal loans offer flexible terms and minimal documentation, with interest rates varying by income. Understanding lender pricing, including public and private banks, is crucial for informed borrowing. ...Less

Real estate firm Square Yards has announced impressive financial results for FY26, with revenue soaring t ...More

Real estate firm Square Yards has announced impressive financial results for FY26, with revenue soaring to Rs 2,086 crore, marking a 48% year-over-year increase. The company's EBITDA saw a significant jump of 3.7 times, reaching Rs 176 crore, as EBITDA margins expanded to 8%. India continues to be the dominant market, contributing 88% of the total revenue. ...Less

We are living in times when the morning may see conciliatory exchanges between the US and Iran, leading t ...More

We are living in times when the morning may see conciliatory exchanges between the US and Iran, leading to a cooling in crude oil prices. But by afternoon, the tone changes and we see crude prices moving higher again. In such circumstances, it is probably better to think unconventionally. How does one do that at this point of time? ...Less

Bank loans against jewellery rose nearly fivefold to ₹4.6 lakh crore at the end of March from ₹93,301 cro ...More

Bank loans against jewellery rose nearly fivefold to ₹4.6 lakh crore at the end of March from ₹93,301 crore two years ago, registering a 123% year-on-year growth—the fastest across sectors, according to data from the Reserve Bank of India. ...Less

A recent video from Pune shows loan recovery agents using force against a borrower. This incident reveals ...More

A recent video from Pune shows loan recovery agents using force against a borrower. This incident reveals problems within Indian banks. Banks are aggressively seeking retail loans, leading to hasty credit assessments. Outsourcing recovery to private firms with skewed incentives contributes to harassment. Banks need to improve credit appraisal and regulate recovery agent fees to curb such misconduct. ...Less

Standard Chartered is selling a significant portion of its Indian credit card portfolio to Federal Bank. ...More

Standard Chartered is selling a significant portion of its Indian credit card portfolio to Federal Bank. This move aligns with Standard Chartered's strategy to concentrate on its wealth management business in India. The deal is expected to be finalized by the end of 2026. Federal Bank views this acquisition as a valuable expansion of its retail credit operations. ...Less

Digital lending platform Kissht has secured Rs 278 crore from anchor investors. This comes ahead of its i ...More

Digital lending platform Kissht has secured Rs 278 crore from anchor investors. This comes ahead of its initial public offering scheduled to begin on April 30. The company aims to raise Rs 926 crore through the public issue. Kissht has shown significant growth in assets under management and revenue. It plans to use the funds for business expansion. ...Less

Small-cap investing is not just about finding stocks that can rise faster than the market, which is the a ...More

Small-cap investing is not just about finding stocks that can rise faster than the market, which is the assumption with which most investors look at them. It is also about knowing how much exposure to take, and how long to wait. Small caps also come with an inherent liquidity risk. The same limited floating stock that helps them move up sharply in bullish times can become a problem when selling starts and buyers disappear. These days, this is the problem that is making it to the headlines. ...Less

Why did SoFi Technologies (NASDAQ:SOFI) stock crash 9%? The sharp fall in SoFi Technologies stock shocked ...More

Why did SoFi Technologies (NASDAQ:SOFI) stock crash 9%? The sharp fall in SoFi Technologies stock shocked investors. SoFi Technologies (NASDAQ:SOFI) stock crashed 9% even after posting a strong $1.1 billion revenue beat in Q1 2026. Growth looked powerful on the surface. Revenue jumped 43%. Net income surged 134%. Members reached 14.7 million. Yet markets focused elsewhere. The real trigger was weak forward guidance. Full-year revenue outlook missed expectations. Q2 growth hinted at slowdown near 30%. ...Less

OnEMI Technology Solutions' Rs 925.92 crore IPO opens April 30, closing May 5, with a price band of Rs 16 ...More

OnEMI Technology Solutions' Rs 925.92 crore IPO opens April 30, closing May 5, with a price band of Rs 162-171. The digital lending platform, operating under Kissht and Ring, aims to strengthen its subsidiary's capital base. The issue shows modest grey market interest, trading at a Rs 4 premium. ...Less

AU Small Finance Bank reported a robust 65% year-on-year surge in net profit for the March quarter, reach ...More

AU Small Finance Bank reported a robust 65% year-on-year surge in net profit for the March quarter, reaching Rs 832 crore. The lender also saw a 23% rise in Net Interest Income to Rs 2,582 crore, with deposits growing 23% YoY. Asset quality improved, with GNPA falling to 2.03%. ...Less

There was a decline in banking stocks during Tuesday’s trading session. The drop came as a reaction to th ...More

There was a decline in banking stocks during Tuesday’s trading session. The drop came as a reaction to the RBI tightening its bad loan norms. The market’s reaction was not really a surprise. The new rules will have an impact on bank margins in the short term. In the longer term, however, remember that banking as a business will grow in the way it should only if there are good and tough regulations in place. That’s something to keep in mind as an investor. ...Less

Digital lending platform Kissht is preparing for its initial public offering. The IPO is scheduled to lau ...More

Digital lending platform Kissht is preparing for its initial public offering. The IPO is scheduled to launch on April 30. Kissht aims to raise Rs 926 crore through this offering. The company has set a price band of Rs 162 to Rs 171 per share. ...Less

A 30-year-old man earning Rs 20 lakh per year shared his dilemma online after his father planned to buy a ...More

A 30-year-old man earning Rs 20 lakh per year shared his dilemma online after his father planned to buy a Rs 1.6 crore house ahead of retirement. While the father will receive around Rs 1 crore in retirement benefits and a monthly pension, the deal requires arranging a large upfront amount, leaving a Rs 60 lakh gap. The father plans to use Rs 30 lakh from savings and has asked his son to take a Rs 30 lakh personal loan. ...Less

A husband took Rs 25.6 lakh personal loans in his wife's name, spent the money on a lavish lifestyle, and ...More

A husband took Rs 25.6 lakh personal loans in his wife's name, spent the money on a lavish lifestyle, and fled with her car and jewellery. He later sued her for maintenance. The Allahabad High Court imposed a Rs 15 lakh cost on him for filing false affidavits and exploiting his wife. ...Less

Private banks anticipate a faster rise in bad loans by FY27 compared to public sector banks. This trend i ...More

Private banks anticipate a faster rise in bad loans by FY27 compared to public sector banks. This trend is driven by increased exposure to unsecured retail and MSME loans. Stress is growing in these segments, impacting the rural economy. The West Asia conflict adds uncertainty, with potential job losses in the IT sector being monitored for personal loan performance. ...Less

It is not every day that you see crude oil prices moving higher and the Asian markets, including India, a ...More

It is not every day that you see crude oil prices moving higher and the Asian markets, including India, also inching higher. Now, as an investor, understand this: Sometimes the upmove may be the result of short-covering in the indices; it may have nothing to do with the fundamentals of sectors, companies, or the economy. So, think before acting. The volatility element is still very much there. Whether it is the emerging markets or the global markets. ...Less

L&T Finance announced a significant 27 percent jump in its March quarter profit after tax, reaching Rs 80 ...More

L&T Finance announced a significant 27 percent jump in its March quarter profit after tax, reaching Rs 807 crore. This growth was fueled by a sharp increase in interest income and robust retail loan disbursements. The company's core net interest also saw an upward trend. ...Less

RBL Bank reported a significant three-fold surge in net profit for the fourth quarter, reaching Rs 230 cr ...More

RBL Bank reported a significant three-fold surge in net profit for the fourth quarter, reaching Rs 230 crore, driven by robust business expansion and improved asset quality. The bank's net advances grew 23% year-on-year, with retail segment contributing substantially. Despite a dip in net interest margin, the bank's overall financial performance showed strong growth. ...Less

Health insurance premiums rose 9.1% to Rs 1.2 lakh crore in FY25, while the number of lives covered incre ...More

Health insurance premiums rose 9.1% to Rs 1.2 lakh crore in FY25, while the number of lives covered increased just 1.4% to 58 crore, according to a survey by Niva Bupa. ...Less

Axis Bank Q4 Results: Axis Bank reported a marginal 0.64% YoY decline in Q4FY26 net profit to Rs 7,071 cr ...More

Axis Bank Q4 Results: Axis Bank reported a marginal 0.64% YoY decline in Q4FY26 net profit to Rs 7,071 crore, despite steady growth in interest income and NII. The bank strengthened its balance sheet with higher provisions and improved asset quality, while advances and deposits recorded healthy growth across segments during the quarter. ...Less

Tata Capital reported a robust 43% year-on-year surge in net profit to Rs 1,502 crore for Q4 FY26, alongs ...More

Tata Capital reported a robust 43% year-on-year surge in net profit to Rs 1,502 crore for Q4 FY26, alongside a 9% revenue growth. The company highlighted significant AI integration across its operations, enhancing risk management and operational efficiency, leading to improved cost-to-income ratios and reduced credit costs. ...Less