As lenders expand their operations and take on more borrowers, they are also prone to more risks. In February 2025, for instance, the Bank of India declared loan fraud to the tune of INR 226.84 crore by an Odisha-based power Infrastructure business. Such liabilities eat into the liquidity, stability, and profitability of lending operations. Bank […]
Advanced Gold Loan Appraisal Techniques for Lenders
With a demand of 747 tonnes in 2023, many in India see gold loans as an investment handed down through the years. Plus, there’s a formidable growth factor, too: Rising government support and consumer demand will push the gold loan market to reach ₹15 trillion by 2027. One cannot stress the need for accurate gold […]
Strategic Credit Management for Corporate Loan Portfolios
The business loan portfolio is an important vertical for lenders. The value and volume of individual loans are sizable compared to other segments, such as MSMEs and retail loans. In 2024, public sector banks indicated growth in their corporate loan portfolio in sectors such as energy and infrastructure. SBI’s year-on-year loan book, for instance, grew […]
Understanding Cluster-Based Lending Approaches for MSME Finance
The Government has designed policies and taken steps to encourage financial institutions to provide adequate and timely credit to MSME finance to facilitate their development. Reports suggest 27.4 million MSME loans were sanctioned during the financial year 2024, amounting to Rs 54.2 trillion, a growth of 19.3 per cent in volume and 5.4 per cent […]
5 Ways Lenders Can Validate a Company’s Eligibility for Business Loans
The volume of business loans in India witnessed a 16.3% year-on-year growth on March 24 against 12.5% in the same period on March 23. Further, the total credit extended to businesses was around ₹82.73 lakh crore on March 24 against ₹71.16 lakh crore in the previous year. These figures indicate a growing demand for business […]
3 Ways Advanced Tech is Reshaping Personal Loan Underwriting
In 2024, personal loans grew by 14.4% in India, surpassing ₹55.3 lakh crore, indicating the rising demand for credit. However, Indian banks have highlighted a concerning trend wherein non-performing assets (NPAs) increased by a whopping 51% to ₹11,210 crore in June 24 against ₹7,422 in March 23. These figures indicate that despite a growing demand […]