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Monday, November 3, 2025
TopicCredit

Topic: Credit

Indians took loans for houses & cars through pandemic, but not for education, RBI data shows

Bank credit data between March 2020 and May 2021 shows overall loans given by banks decelerated in the second wave. But personal loans grew in double digits.

What are credit default swaps, the 2008 ‘taboo’ financial product that RBI wants to revive

RBI released new draft guidelines for credit default swaps, calling them an essential instrument for developing corporate bond markets. Here's all you need to know about it.

‘Data rich’ and looking for loan? Niti Aayog’s new data-sharing framework could help

Under the proposed DEPA, Indians who have no access to formal credit due to lack of collateral will be able to apply for loans using several types of digital documents.

Why lower borrowing costs can’t save India’s crisis-hit NBFCs

Worries are mounting that bad debt at NBFCs may rise as the world’s strictest lockdown hammered India’s business and left millions jobless.

You don’t have to pay any loan EMI for next 3 months, and it won’t hurt your credit history

RBI defers all loan repayments taken from any financial institution until 30 June, says non-payment will not be classified as default.

India’s broken engine of finance needs to be fixed, quickly

Since IL&FS crisis, borrower has been hit by triple whammy of higher interest rates, fewer refinancing options & souring of sentiment among lenders.

MUDRA scheme: What the Modi government failed to do for small businesses

The slowdown in credit to small businesses is yet another example of central planning gone wrong.

On Camera

A fitting tribute to Pakistan’s General Shanti

Durrani as NSA was a leap for Pakistan. No surprise that he didn’t even last a year in that job. He chafed after 26/11, seeing it as a deliberate Army/ISI betrayal.

Consumer Price Index gets up to date. Airfare, OTT plans, e-commerce prices in new basket—MoSPI secy

New CPI series will take 2024 as base year, will provide more accurate measure of inflation, spending on digital services. Expected to enhance representation and reliability, says Saurabh Garg.

Joint production, closer ties, emerging tech: The foundation of new defence pact between India & US

The agreement, signed after meeting between Rajnath and US Secretary of War Pete Hegseth on sidelines of ADMM-Plus in Kuala Lumpur, aims to deepen bilateral ties in the critical sector.

Trump’s trade wars have rewritten powerplay, but India didn’t get the memo

This world is being restructured and redrawn by one man, and what’s his power? It’s not his formidable military. It’s trade. With China, it turned on him.