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A young employee's Reddit post about whether he should take a Rs 40 lakh personal loan to help repay his ...More

A young employee's Reddit post about whether he should take a Rs 40 lakh personal loan to help repay his father's debt has triggered a heated online debate. While some users urged him to protect his finances and verify all assets before making any decision, others argued that supporting parents during difficult times should come before money. ...Less

Credit cards now hold 38% of unsecured credit, down from 56% in 2016. Small personal loans under fifty th ...More

Credit cards now hold 38% of unsecured credit, down from 56% in 2016. Small personal loans under fifty thousand rupees have gained significant market share. Card balances remain stable at fifteen to sixteen percent of total consumption credit. Delinquency data shows risk spilling across various credit products. Occasional card users exhibit low delinquency rates across their credit portfolios. ...Less

India’s largest private banks are witnessing a shift in credit demand, with corporate and SME lending dri ...More

India’s largest private banks are witnessing a shift in credit demand, with corporate and SME lending driving loan growth while retail borrowing remains subdued. Stronger working capital demand, refinancing and business banking boosted advances, but slower consumer credit growth and weaker CASA ratios continue to weigh on banks’ funding mix and margins. ...Less

Many professionals struggle to save money despite earning more income, claims entrepreneur Ankur Warikoo. ...More

Many professionals struggle to save money despite earning more income, claims entrepreneur Ankur Warikoo. Blind spending without a budget drains funds and prevents wealth growth. Delaying investments significantly impacts long-term financial freedom and potential returns. Lifestyle inflation and lacking an emergency fund trap individuals in debt cycles. High-interest debt accumulation continuously depletes monthly cash flow and savings. ...Less

Credit cards are losing share in India's unsecured lending market as consumers increasingly opt for small ...More

Credit cards are losing share in India's unsecured lending market as consumers increasingly opt for small-ticket personal loans and other consumption-linked credit, according to a TransUnion CIBIL report. ...Less

Fintech lenders now dominate India's small personal loan market, holding over half of loans under Rs 50,0 ...More

Fintech lenders now dominate India's small personal loan market, holding over half of loans under Rs 50,000 by March 2026. This rapid expansion, however, comes with rising delinquencies, reaching 6.4% for fintechs, significantly higher than banks and NBFCs. A large portion of these loans are unsecured and target younger borrowers, signaling increased risk in this fast-growing segment. ...Less

Chinese banks are reluctant to increase lending as bad loans rise. The government wants borrowing to boos ...More

Chinese banks are reluctant to increase lending as bad loans rise. The government wants borrowing to boost consumption and economic growth. However, only those with poor credit are seeking new loans. Consumer loan defaults have reached record highs across the nation. This situation challenges Beijing's efforts to stimulate domestic demand. ...Less

Kissht parent OnEMI Technology Solutions said Invincible Minds received an Amfi Registration Number on Ju ...More

Kissht parent OnEMI Technology Solutions said Invincible Minds received an Amfi Registration Number on July 14. The registration is valid from July 13, 2026, to July 12, 2029. It allows the subsidiary to distribute mutual fund products, but not to launch or manage mutual fund schemes. ...Less

The company operates an insurance distribution platform that enables point-of-sale persons (Posps) and ad ...More

The company operates an insurance distribution platform that enables point-of-sale persons (Posps) and advisors to sell insurance products across India, particularly in tier 3 and 4 markets, unlike online aggregators, which primarily rely on digital customer acquisition. ...Less

Whether in business or the stock market, be ready for volatility. In today’s world, it can come for any r ...More

Whether in business or the stock market, be ready for volatility. In today’s world, it can come for any reason and from anywhere. Also be ready to see underperformance in your portfolio. This could be sparked by sudden selling in some part of the emerging market purely because of a technical readjustment. And it could take place for the simple reason that, going forward, currency markets are going to see some adjustment. So, besides being cautious and selective, also be volatility-ready for quite some time. ...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. The business updates for Q1 FY27 are probably a better guide. 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

Axis Bank Q1 Results: Axis Bank reported a 22.5% YoY rise in Q1 FY27 standalone net profit to Rs 7,114 cr ...More

Axis Bank Q1 Results: Axis Bank reported a 22.5% YoY rise in Q1 FY27 standalone net profit to Rs 7,114 crore, while net interest income increased over 8% to Rs 14,646 crore, beating estimates. Asset quality remained stable, with the lender reporting strong balance sheet growth, robust deposit mobilisation and healthy loan expansion. ...Less

A financial advisor has shared the story of a Pune-based operations manager who saw his debt rise to over ...More

A financial advisor has shared the story of a Pune-based operations manager who saw his debt rise to over ₹15 lakh after taking a loan for his father's medical emergency. The case explains how one unexpected expense can trigger a debt spiral through rising EMIs, credit card debt and costlier loans, while highlighting three warning signs people should watch to avoid falling into the same trap. ...Less

Bengaluru-based director and IIM Lucknow graduate Karan Lakhwani shared the money habits his Sindhi famil ...More

Bengaluru-based director and IIM Lucknow graduate Karan Lakhwani shared the money habits his Sindhi family has followed for years. From introducing children to banking early and openly discussing family finances to avoiding unnecessary debt and maintaining a 24-month emergency fund, he outlined five key lessons. Lakhwani also credited his parents for teaching budgeting, taxes, and investing at home, saying strong money management is a shared family responsibility. ...Less

Brace for trouble. The US-Iran conflict now appears to be gaining in intensity and the commodities market ...More

Brace for trouble. The US-Iran conflict now appears to be gaining in intensity and the commodities market is taking the current spiral of violence seriously. Brent crude, which was in the mid-$70s to the barrel a week back, has climbed to the mid-$80s. And that is bad news for the Indian stock markets. Nothing causes greater anxiety to the markets than rising oil prices. ...Less

Tata Capital's acquisition of an 88.6% stake in Kerala-based Yogloans signals growing confidence in India ...More

Tata Capital's acquisition of an 88.6% stake in Kerala-based Yogloans signals growing confidence in India's fast-expanding gold loan market as lenders shift away from unsecured retail credit. The deal gives Tata Capital an established gold loan business with a ₹708 crore loan book, 162 branches and 32,000 customers, allowing it to tap a segment driven by rising gold prices, tighter regulations on unsecured lending and changing consumer attitudes towards using family gold as collateral. ...Less

Bank credit growth is expected to moderate gradually in the upcoming fiscal year. Large corporations will ...More

Bank credit growth is expected to moderate gradually in the upcoming fiscal year. Large corporations will increasingly use domestic bond markets and overseas borrowings for funding. The Reserve Bank of India's policy measures make external funding more attractive for businesses. This shift will reduce reliance on traditional bank loans for corporate financing needs. Overall credit demand remains healthy, but banks will finance a smaller share. ...Less

Kissht, the loan app by OnEMI Technology Solutions, witnessed a significant 61% surge in assets under man ...More

Kissht, the loan app by OnEMI Technology Solutions, witnessed a significant 61% surge in assets under management, reaching Rs 8,001 crore by June's end. This growth was fueled by a 37% jump in loan disbursements to Rs 3,812 crore in Q1 FY27. The digital lender also expanded its customer base by 33% year-on-year to 74.6 million. ...Less

As a sector, housing finance has borne the brunt of regulatory changes and various scams at different poi ...More

As a sector, housing finance has borne the brunt of regulatory changes and various scams at different points of time. It is a sector that has produced both heroes (HDFC) and villains (DHFL). Given that housing demand will continue rising, it is a sector that is bound to grow. So, what matters is which stock you own; and how long you intend to hold it. The horizon is important as this sector has to deal with interest rate cycles as well as regulatory changes. This makes these stocks prone to phases of underperformance. ...Less

Sentiment is a fickle thing and can change before you know it. And by the time you figure out why, the ma ...More

Sentiment is a fickle thing and can change before you know it. And by the time you figure out why, the market would have moved on. So, while there is no doubt that more headwinds await the Indian economy, it is probably time to look beyond – at a few things that are not obvious. 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

EPFO is processing annual interest for FY 2025-26, with balances updated by July 15. This faster credit c ...More

EPFO is processing annual interest for FY 2025-26, with balances updated by July 15. This faster credit cycle is enabled by the new CITES 2.01 digital platform. The government approved an 8.25% interest rate, impacting over 34 crore member accounts. EPFO has also simplified partial withdrawal rules and automated account transfers after job switches. ...Less

Tuesday saw reports that some ships were hit in the Strait of Hormuz. And, in the US, the Nasdaq was down ...More

Tuesday saw reports that some ships were hit in the Strait of Hormuz. And, in the US, the Nasdaq was down. So, expect some pressure when the Indian market opens on Wednesday. But these are short-term issues. There are other things to look forward to. For instance, how the latest business updates are panning out. At the end of the day, it is earnings that matter. 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

Private banks significantly reduced bad loans by writing off nearly half of their exposure. This cleansin ...More

Private banks significantly reduced bad loans by writing off nearly half of their exposure. This cleansing effort primarily targeted unsecured microfinance and consumer credit segments. Public sector banks wrote off a smaller portion of their substantial bad loan portfolio. Overall, the banking sector wrote off over Rs 1.28 lakh crore in bad loans. These write-offs have driven the sectoral bank loan ratio to a multi-decadal low. ...Less

This is a market to be selective in, not brave in. The safer way to play a turn in the market is to stay ...More

This is a market to be selective in, not brave in. The safer way to play a turn in the market is to stay with businesses whose demand does not depend on the mood on the street, the state of the economy, or the direction of the Nifty. ...Less

As the Q1FY27 earnings season begins with TCS's results on Thursday, Motilal Oswal expects Nifty earnings ...More

As the Q1FY27 earnings season begins with TCS's results on Thursday, Motilal Oswal expects Nifty earnings to grow 10%, the fastest pace in four quarters. The brokerage has identified 10 stocks, including Bharti Airtel, SBI, ICICI Bank, M&M and Titan, that it believes offer attractive upside ahead of the June quarter earnings, backed by strong fundamentals and growth prospects. ...Less

Digital lending platform Fibe's parent company, Social Worth Technologies, is set to launch an Initial Pu ...More

Digital lending platform Fibe's parent company, Social Worth Technologies, is set to launch an Initial Public Offering (IPO). The company aims to raise funds through a fresh issue of shares and an offer-for-sale by existing shareholders. Proceeds will bolster its subsidiary's lending capital. Fibe, leveraging AI and data science, has seen significant growth in its assets under management and profits, expanding its product offerings beyond personal loans. ...Less

The market is still in consolidation mode. But the overall mood seems to be cautiously optimistic, especi ...More

The market is still in consolidation mode. But the overall mood seems to be cautiously optimistic, especially as crude oil prices are back to pre-US-Iran war levels. With the bulls seemingly attempting a serious comeback, focus will inevitably shift to the mid-cap segment. Nothing wrong with that. But being selective and cautious is necessary. ...Less

The development comes nearly four years after Navi first filed for an IPO, seeking to raise Rs 3,350 cror ...More

The development comes nearly four years after Navi first filed for an IPO, seeking to raise Rs 3,350 crore. The company received an approval from the Securities and Exchange Board of India (Sebi) in September 2022 for the issue, but put the plan on hold amid market volatility and a sharp decline in technology stocks. ...Less

Indian banks witnessed a significant surge in credit to industries, with a robust 17.5% annual growth in ...More

Indian banks witnessed a significant surge in credit to industries, with a robust 17.5% annual growth in May. This expansion was driven by accelerated lending to large corporations and sustained healthy growth in the Micro and Small Enterprises (MSE) sector. Advances to agriculture and allied activities also saw a strong uptick. Personal loans and the services sector also recorded impressive growth rates, indicating a vibrant economic landscape. ...Less

Fintech startup Navi, co-founded by Sachin Bansal, is planning to file draft IPO papers in the March quar ...More

Fintech startup Navi, co-founded by Sachin Bansal, is planning to file draft IPO papers in the March quarter of FY27 to raise about Rs 3,000 crore. The IPO is likely to include a mix of fresh equity and an offer for sale, with the final structure yet to be decided. Kotak Investment Banking has been appointed to manage the issue. ...Less

For long in the clutches of bears, the Nifty and Sensex now appear to be making serious attempts to think ...More

For long in the clutches of bears, the Nifty and Sensex now appear to be making serious attempts to think positively. The big question now is: Which sector will lead the breakout? There are many contenders. Another question: Which sector will sustain the upward movement when it starts? The answer is clear: The sector (or sectors) where the probability of good Q1 earnings numbers are high. So, look forward to the coming earnings season. ...Less

Kotak Mahindra Bank will acquire Deutsche Bank India's retail banking, private banking and wealth managem ...More

Kotak Mahindra Bank will acquire Deutsche Bank India's retail banking, private banking and wealth management business, adding a sizeable loan book, deposits, assets under management and customers. The deal is expected to strengthen Kotak's affluent banking franchise while supporting Deutsche Bank's strategy to focus on its core businesses. ...Less

Kotak Mahindra Bank has significantly expanded its footprint by acquiring Deutsche Bank's retail, private ...More

Kotak Mahindra Bank has significantly expanded its footprint by acquiring Deutsche Bank's retail, private banking, and wealth management operations in India. This substantial deal, one of the largest in recent years, includes approximately ₹29,000 crore in loans and ₹16,000 crore in deposits. Around 1.5 lakh clients and nearly 1,000 employees will now join Kotak Mahindra Bank, bolstering its presence in the Indian financial landscape. ...Less

Digital lending firm Fibe has filed for an IPO, aiming to raise Rs 750 crore. The company's major investo ...More

Digital lending firm Fibe has filed for an IPO, aiming to raise Rs 750 crore. The company's major investors are offloading shares in this public offering. Fibe reported robust growth, with operating revenue reaching Rs 1,584 crore and net income at Rs 257 crore in FY26. Its assets under management surged to over Rs 8,600 crore, driven by personal loans and purpose-driven financing. ...Less

Financial services is where FIIs go when they turn positive on India. History shows us that much of the m ...More

Financial services is where FIIs go when they turn positive on India. History shows us that much of the money goes to banks, and the wider financial services space. But remember: Financial services is not a single sector. It is a set of very different businesses under one umbrella. So it is important to understand the parts, not just the flow of money into them. 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

Corporate sector borrowing from banks is accelerating past individual loans, driven by companies seeking ...More

Corporate sector borrowing from banks is accelerating past individual loans, driven by companies seeking cost savings as corporate bond yields climb. Recent RBI rate cuts have made bank loans more appealing. Analysts anticipate this trend to continue, supported by improved liquidity, though a shift back to debt markets is possible. Small businesses are seeing particularly strong bank credit growth. ...Less

At the end of the day, both private and PSU banks are equally impacted by what goes on in the economy. If ...More

At the end of the day, both private and PSU banks are equally impacted by what goes on in the economy. If they are behaving differently in the market these days, it is because of valuations, existing ownership, overall fund flows, and the kind of investors putting in the money. 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

Given the state of the market these days, it would be wise to be selective. Not only in terms of stocks, ...More

Given the state of the market these days, it would be wise to be selective. Not only in terms of stocks, but also in terms of sectors. For example, any sector dependent on crude oil in any way will be stressed in Q1 FY 27. But there might also be trouble for sectors where China is playing spoilsport by dumping. And here, the trouble might continue for longer. ...Less

Any long-term investor knows that corrections are part of every bull run. But it is important that they b ...More

Any long-term investor knows that corrections are part of every bull run. But it is important that they be aware whether the correction is led by global or domestic factors. Why? Because the magnitude of a correction in terms of price damage, how long it lasts, and how the recovery shapes up are different for those sparked by global and domestic events. The latest correction in India probably is a mix of both. A war in the Gulf and an increase in oil prices leading to domestic problems: Fiscal pressure and the possibility of a spike in inflation. ...Less

The Reserve Bank of India has mandated uniform prudential treatment for all credit facilities, including ...More

The Reserve Bank of India has mandated uniform prudential treatment for all credit facilities, including those disbursed via UPI. This move closes a regulatory loophole allowing banks to offer lighter treatment to UPI-linked credit. Now, the nature of the credit, not the technology, dictates capital adequacy and provisioning, ensuring consistent regulation across all credit products. ...Less

India’s credit card market crossed 120 million active cards in May, driven by strong new additions even a ...More

India’s credit card market crossed 120 million active cards in May, driven by strong new additions even as spending growth slowed, according to RBI data. Net card additions rose 34% year-on-year to 1.02 million, while total spending increased only 6.3% to ₹2.02 lakh crore. ...Less

Homeowners can now potentially claim tax deductions on interest paid for both their original home loan an ...More

Homeowners can now potentially claim tax deductions on interest paid for both their original home loan and a subsequent loan taken to repay it, under the old tax regime. This benefit, supported by a 1969 CBDT circular and expected to continue under the Income-tax Act, 2025, allows for dual deductions up to Rs 2 lakh for self-occupied properties. ...Less

Kotak Mahindra Bank is actively pursuing acquisitions, including loan portfolios and alternative assets, ...More

Kotak Mahindra Bank is actively pursuing acquisitions, including loan portfolios and alternative assets, to deploy surplus capital and fuel growth. CEO Ashok Vaswani aims for the bank to become India's third-largest private lender by profit. The bank is also investing heavily in technology and AI to enhance efficiency, expecting workforce growth to lag behind balance-sheet expansion. ...Less

Relative outperformance and absolute performance – and the context in which they happen. These are three ...More

Relative outperformance and absolute performance – and the context in which they happen. These are three things market investors need to understand much better when it comes to banking stocks. And the likelihood is that all three will see a change. 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

India's financial landscape is rapidly digitizing, with smartphones becoming central to everyday money ma ...More

India's financial landscape is rapidly digitizing, with smartphones becoming central to everyday money management. Once separate, banking and investment activities now converge on single platforms, making financial planning more accessible. This shift, driven by convenience and proximity, empowers millions entering formal finance to make informed decisions, transforming income into resilience and savings into wealth. The smartphone is emerging as a key guide in this evolution. ...Less

Meta enters the cap table of fintech co-valued at $4.5 billion post-money; Miten Sampat is interim CEO. T ...More

Meta enters the cap table of fintech co-valued at $4.5 billion post-money; Miten Sampat is interim CEO. The funding comprises about $400 million in secondary sale of shares by existing shareholders, while the remaining $500 million will be ploughed into the company. ...Less

State Bank of India's chairman believes the bank is undervalued, citing improvements in financial strengt ...More

State Bank of India's chairman believes the bank is undervalued, citing improvements in financial strength, customer base, and earnings. He highlighted the success of the Yono digital platform, strengthened capital position, and the significant growth in value from its subsidiaries. SBI is also focusing on technology adoption, including AI, and sees opportunities in power, MSME, and retail lending, positioning itself for future growth despite evolving funding landscapes. ...Less

The reason NBFC stocks reacted quickly to the easing of the US-Iran war risk is not difficult to understa ...More

The reason NBFC stocks reacted quickly to the easing of the US-Iran war risk is not difficult to understand. For a lender, macro relief travels faster than it does for many manufacturing businesses. Lower crude reduces pressure on inflation, inflation relief reduces pressure on bond yields, and softer yields reduce the cost of money. For NBFCs, which depend more on market borrowing than banks, that chain matters directly. 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 standardized scores. SR+ Reports is a complimentary offering to ETPrime members. ...Less

When business updates start to come in or when some FMCG or auto companies indicate that things are not a ...More

When business updates start to come in or when some FMCG or auto companies indicate that things are not all good in the rural space, we may see some volatility in some sectors. A below par monsoon could be the culprit. Also, keep an eye out for news about agricultural output. That is something the market does not normally watch very carefully. ...Less

When it comes to banking, remember this: PSU and private banks have different kinds of loan books; at the ...More

When it comes to banking, remember this: PSU and private banks have different kinds of loan books; at the end of the day, however, both operate in the same ecosystem and will be equally impacted by what is going on in the economy. So, if the macro picture has improved for the economy, it will impact both segments equally. 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

Equity markets face near-term unevenness due to global optimism tempered by domestic uncertainties like e ...More

Equity markets face near-term unevenness due to global optimism tempered by domestic uncertainties like elevated crude prices and monsoon risks. Sameer Dalal of Natverlal & Sons Stockbrokers anticipates a rangebound Nifty between 23,000 and 24,500, advocating for a diversified portfolio tilted towards structural growth themes. ...Less

Piramal Finance is transforming into an AI-native organization, shifting from data-driven to knowledge-dr ...More

Piramal Finance is transforming into an AI-native organization, shifting from data-driven to knowledge-driven operations. By embedding AI into every function, the company is enhancing real-time insights and customer service. This strategic evolution aims to institutionalize knowledge, improve operational efficiency, and accelerate new product launches, ensuring humans remain central to decision-making. ...Less

As the market seems to be in comeback mode, it helps to be aware that the best (and probably biggest) wea ...More

As the market seems to be in comeback mode, it helps to be aware that the best (and probably biggest) wealth creator of the last couple of decades was also a major underperformer in the past four years. Has it underperformed as a business? The answer: No. So, when investing, remember that stocks may underperform, but a business may or may not underperform. As a fresh move starts in the market, don't assume that what has done well in the past will continue to do so. ...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

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

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

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

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

We are in a phase in the US-Israel-Iran war where statements are made, then retracted. And, in a matter o ...More

We are in a phase in the US-Israel-Iran war where statements are made, then retracted. And, in a matter of just 48 hours, they are made all over again. Such back and forth will likely only continue in the near future. The worry is that this conflict in the Gulf will not be resolved soon and, much like the Russia-Ukraine war, will just continue without a clear outcome for either side. ...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

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

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

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

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

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

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

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

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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

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

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

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

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

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

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 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

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

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

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

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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

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

Skip the time-consuming and difficult procedure of getting a loan and opt for these top bad credit loans ...More

Skip the time-consuming and difficult procedure of getting a loan and opt for these top bad credit loans for guaranteed approval. Read to know more ...Less

When you’re hit with unexpected expenses, a fast cash loan can enable you to weather the storm. Here’s ho ...More

When you’re hit with unexpected expenses, a fast cash loan can enable you to weather the storm. Here’s how, and where, to get one. ...Less

Salaried borrowers with steady flow of income are still a preffered choice for lenders despite expansion ...More

Salaried borrowers with steady flow of income are still a preffered choice for lenders despite expansion of personal loans to varied types of barrowers, reported TOI. A recent study by online loan platform, PaisaBazar has revealed that borrowers from non-metros seeking credit has risen to 75% from 55% four years ago. ...Less

Everybody who is eligible to get a normal personal loan is eligible to get one online as well. So, all sa ...More

Everybody who is eligible to get a normal personal loan is eligible to get one online as well. So, all salaried persons and professionals in a regular paying job can avail of an online personal loan. ...Less

Quick disbursal process usually within a day or two, and minimal paperwork have made personal loans a go- ...More

Quick disbursal process usually within a day or two, and minimal paperwork have made personal loans a go-to option for many. Now, the question is how to get them cheap. Do remember the lower the interest rate is, the more you save while paying it back. If you want to take a personal loan, here is how to get the best deal for you. ...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

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

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