MSME LENDING
These 11 banking stocks can give more than 27% returns in 1 year market, according to analysts
Every sector has a key element and it is important to look at it if you are investing in that sector. In the case of banking, it is NPAs, or non-performing assets. Why the abbreviation before the full form? We react to news before understanding it. News is the abbreviation whose meaning becomes clear only on closer examination. So, while looking at the Q4 numbers of banks, it is important to look at NPAs. But there is another number which is equally important: Credit growth. It is likely to remain muted. And that in itself is not a bad sign. Asset quality is good and stays that way if NPA numbers are stable and the books are reliable.
IndusInd Bank to expedite search for a new CEO
ET had reported in March the IndusInd board has hired global executive search firm Egon Zehnder to assist in identifying candidates for both the CEO and deputy CEO roles. The firm is helping shortlist names and the bank plans to submit a list of three potential candidates to RBI once internal evaluations are complete.
Why bank stocks are an oasis for investors in a desert of chaos
Banking and financial services have outperformed in 2025, with Bank Nifty and Nifty Financial Services gaining over 8% and 12%. Strong fundamentals, supportive RBI policy, improving asset quality, and attractive valuations are driving renewed investor interest and sustained momentum.
Odisha govt is offering better compensation to speed up land acquisition: Hemant Sharma
The state government has identified new locations near Bhubaneswar and Jharsuguda to address the growing industrial land demand, says Hemant Sharma, Additional Chief Secretary, Industries & MSME, Odisha.
RBI imposes penalty on Indian Bank, Mahindra & Mahindra Financial Services
The Reserve Bank of India has levied penalties on Indian Bank and Mahindra & Mahindra Financial Services for regulatory compliance lapses. Indian Bank faces a Rs 1.61 crore penalty due to Banking Regulation Act contraventions and non-compliance with directives on interest rates, KCC scheme, and MSME lending. Mahindra & Mahindra Financial Services is fined Rs 71.
PNB launches NIRMAAN 2025 campaign with zero processing fees on home and car loans
Punjab National Bank has introduced "PNB NIRMAAN 2025," a special retail loan campaign designed to make home and car ownership more accessible. The initiative offers benefits such as zero processing fees on home and car loans, along with interest rate concessions of 5 basis points on home, car, and education loans.
These 7 banking stocks can give more than 28% returns in 1 year, according to analysts
When you look at the banking sector, it is not just about excel sheets. It is about the ability to differentiate between the white, black, and grey in terms of the businesses that banks finance. Today, a bank financing exporters faces more uncertainty than one giving loans to domestically-focused companies. But what happens to the latter if there is tariff-induced dumping by China? That is why the colour grey. Whom to lend to and whom not to. When to lend and when not to. That’s the dilemma faced by bankers. Banks with the ability to handle this dilemma will do well.
Satin Creditcare expects 10-15% loan growth in FY'26: CMD
Satin Creditcare Network anticipates a 15% loan growth this fiscal year, driven by favorable monsoon forecasts and decreasing interest rates. The microfinance sector's stress is easing, with normalization expected in the coming quarters. While the company has no immediate plans to become a small finance bank, it remains open to the possibility in the future.
BharatPe-controlled Trillionloans appoints Sandeep Singh the Chief Executive Officer
Trillionloans Fintech, a BharatPe subsidiary, has appointed Sandeep Singh as CEO to spearhead its next growth phase. Singh's extensive experience in digital lending and financial services will be crucial in scaling the company's tech-driven credit solutions. Sabyasachi Senapati transitions to BharatPe Group to lead key growth initiatives, ensuring a smooth handover and continued strategic direction for Trillionloans.
PNB shares in focus after cutting RLLR to 8.85% from 9.10%
PNB shares have dropped 27.73% over the past year and are down 6.80% year-to-date. The stock has declined 7.96% in the last six months and 6.39% over the past three months. However, it has shown signs of short-term recovery with a 5.04% gain in the last month.
Bank of Baroda passes on 25 bps rate cut to customers
Bank of Baroda has announced a reduction in its lending rates. This follows the Reserve Bank of India's decision to cut policy rates. The rate cut will benefit retail and MSME loan customers. The bank has reduced its external benchmark-linked lending rates by 25 basis points. However, the marginal cost of funds-based lending rate remains unchanged at 9 percent.
Credit Saison India raises $300 million in bid to expand lending business
Credit Saison India has secured $300 million through its first dollar loan to diversify funding. The company plans to expand branches, add new lending segments like MSMEs, and grow its Rs17,000-crore loan book. CS India's funding includes ECBs from various banks, and it aims to deepen relationships and boost its MSME loan share to 35% by fiscal 2028.
RBI rate cut: Home, auto, & small business loan borrowers to benefit as banks lower interest rates
The Reserve Bank of India cut the benchmark repo rate by 25 basis points to 6%, prompting banks to lower interest rates for home, auto, and small business loans. This marks a 50 basis points reduction in 2025, including a February cut. The move benefits new borrowers and those with loans linked to external benchmarks like the repo rate.
RBI's 25 bps rate cut, change of monetary stance to 'accommodative' timely move: Experts
RBI changed its policy stance to "accommodative" from "neutral", indicating the possibility of more rate cuts in future, Governor Sanjay Malhotra said while announcing the MPC decisions.
Micro, small businesses witness moderation in credit growth: Survey
Credit growth for micro and small businesses has decelerated, while medium-sized firms experienced a rise. Loan disbursements have moderated in 2024, with businesses increasingly relying on short-term working capital loans. Despite this, a significant portion of MSMEs have resumed operations post-pandemic, demonstrating strong growth momentum.
64% OF MSMEs resume activity post pandemic; 54% report 10% YoY growth: Report
The UGRO Capital-Dun & Bradstreet report indicates that 64% of MSMEs in India have bounced back post-pandemic, with over half experiencing significant growth. However, investment growth in Udyam-registered MSMEs has slowed.
ET Exclusive | MUDRA NPA rate among world's lowest for segment: PM Modi
Launched in 2015, the Pradhan Mantri MUDRA Yojana (PMMY) aimed to provide financial assistance to micro, small, and medium enterprises, fostering job creation and income generation. Over the past decade, the scheme has disbursed ?33 lakh crore through 52 crore loans, with a focus on empowering women and marginalized communities.
PSU banks: Could they be the surprise outperformers in a volatile market? 7 PSU banks with upside potential of up to 43%
One should be able to read meaning even in the little things that happen on the markets. Now, several companies have issued guidances ahead of the Q4 results rollout that is expected from next week. Nothing exceptional about that. Many companies have been doing so for some time now. What is different this time is that among those issuing guidances are some PSU banks. Why is that significant? Does it tell us something about what is happening in the PSU bank space? The answers to these questions will tell us whether these stocks are worth looking at.
Solartech startup Aerem raises Rs 100 crore in round led by Japan-based UTEC
British International Investment, SE Ventures, Riverwalk Holdings, and Avaana Capital participated in the round, which was a mix of equity and debt. The funds will be used to expand its operations pan India, improve financing and marketplace solutions, strengthen the platform, and diversify the lending portfolio.
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