RBI Unsecured Lending MFI Asset Quality 2025 – No Concern Executive Summary / Key Highlights RBI Governor Sanjay Malhotra affirms no asset quality concerns in unsecured lending or microfinance (MFI) segments. System-wide NPAs remain satisfactory, with no upward trend in dud assets. Past increase in NPAs addressed via risk weight hikes on personal loans, credit cards, and MFI exposures. Credit growth in these segments has moderated post-risk weight revision. MFIs will remain a policy priority […]

RBI Liquidity Push 2025 – Credit Demand & Market Trends Executive Summary / Key Highlights RBI Liquidity Push 2025  Despite slower bank credit growth, overall credit demand remains stable in FY26. Liquidity from RBI is flowing through banks, NBFCs, and capital markets at different speeds. ₹10 trillion liquidity infusion plus repo cuts have reshaped credit composition. Capital market funding is surging, offsetting bank credit slowdown. MSMEs remain a prime lending focus for banks due to […]

Loan Lending App Fraud Case Raises Alarm: Here’s How You Can Stay Safe In an age where financial convenience is just a few taps away, loan lending apps have emerged as a quick fix for urgent money needs. However, this convenience has also opened the doors to a new breed of cybercriminals who exploit unsuspecting users through loan lending app fraud. A recent case in Pune has brought this issue into sharp focus. A fraudster […]

RBI Bank Ownership Rules: Strategic Foreign Stake May Rise to 26% The RBI bank ownership rules are currently under a significant policy review, and the Reserve Bank of India is contemplating a broader, more accommodating stance for foreign investors. This could potentially pave the way for foreign banks to hold up to 26% stake in Indian banks — a move with deep implications for India’s banking structure and global investment landscape. Strategic Stakeholding: RBI Considering […]

No Prepayment Penalty on Business Loans: RBI’s Game-Changing Relief for MSEs and Individual Borrowers Summary:Starting January 1, 2026, borrowers availing floating rate business loans—whether individuals or micro and small enterprises (MSEs)—will no longer face prepayment penalties. The Reserve Bank of India (RBI) has directed banks and NBFCs to stop imposing foreclosure charges on such loans, a reform welcomed by India’s credit-starved MSME sector. 🏦 RBI’s New Directive: Big Win for Borrowers No Prepayment Penalty on […]