Selected Tag: retail loans
Selected Tag: retail loans

The ECL Framework Can Foster Sustainable Asset Quality

ECL shifts Indian banking to forward-looking provisioning, strengthening resilience and risk pricing, but hinges on data depth, governance rigour, and model discipline.

K. Srinivasa Rao

May 4, 2026 at 9:49 AM IST

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Gold’s Glow Can’t Revive India’s Spending

Surging gold prices have inflated household wealth on paper, yet the wealth effect remains mostly notional as weak incomes and high debt restrain spending.

Dhananjay Sinha

October 27, 2025 at 9:41 AM IST

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iStock.com/D. Talukdar

Hidden Stress Points In Banks – Insights From Financial Stability Report

FSR flags hidden banking risks: slowing credit, NIM squeeze, unsecured loans, MSME stress, and shifting household debt patterns.

Barendra Kumar Bhoi

July 14, 2025 at 3:58 AM IST

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RBI

The Bureau

Deficient Monsoon, Iran War: A Double Shock to India’s Rural Economy
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