SPECIALISED LENDING INSTITUTIONS
Huge inflows in small spaces
Increasing investments from global entities into India's financial sector are boosting the specialized lending institutions. Regulatory reforms have strengthened governance and risk management practices within these institutions over time. Digital innovations like Aadhaar and UPI have facilitated faster and more accurate borrower assessments.
The great Indian money hunt: Why India's shadow banks are pulling in billions of dollars
Blackstone is negotiating a significant investment in IIFL Finance, indicating rising global interest in non-bank lenders. Recent deals include investments by Carlyle and Advent International in housing finance firms. The demand for credit in India is growing, with NBFCs playing a crucial role in accessing underserved markets. Foreign investments in the financial sector have exceeded $20 billion since 2025, reflecting confidence in stability.
Why cheap stocks offer more safety than strong inflows, says Sundaram AMC MD
Two years ago, seasoned asset manager Anand Radhakrishnan moved from a long, successful stint as Chief Investment Officer (CIO) at Franklin Templeton India to take over as Managing Director (MD) at Sundaram Asset Management Company. In this conversation with Sanket Dhanorkar, he shares his views on the market correction, shift in interest rate cycle, valuations and money flows, and more.
State Bank of India expands US footprint with new branch in Texas
State Bank of India expanded its banking subsidiary footprint in the United States with the inauguration of a new branch of SBIC Bank in Frisco, North Dallas, Texas. The branch, inaugurated by SBI Chairman Challa Sreenivasulu Setty, represents the subsidiary's first office outside California and takes its total branch count in the country from seven to eight.
Premji Invest goes big on strategic output & tech
Premji Invest and Singularity AMC are likely to lead a $30-40 million round in Sanlayan at a valuation of about $200 million, according to the people. Separately, Premji Invest is in advanced talks to lead Hical’s first institutional funding round of $30-40 million, alongside TVS Capital.
Reinventing the pond: How this Bengal start-up is helping fish farmers battle climate and credit crisis
At a time when climate change is impacting world resources, including the aquatic system, Jalpaiguri’s Essential Aquatech is working to empower smallholder fish farmers by turning data into actionable insights and measures.
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India's emerging sectors to drive capex, credit demand towards storage, semiconductors: Report
Financing demand in India's emerging sectors is expected to shift towards battery storage, semiconductor packaging, green hydrogen projects with assured buyers and defence suppliers over the next three to five years, as investments in new growth industries create opportunities for banks, according to a Union Bank of India research report.
Financing demand set to shift to emerging sectors like AI, semiconductors: Report
India’s emerging sectors are set to attract fresh bank financing over the next three to five years, with AI, semiconductors and defence leading investment opportunities, according to a Union Bank of India report. Battery storage, green hydrogen, semiconductor packaging and defence suppliers could gain funding as industries expand. However, technology obsolescence, uncertain revenues and long payback periods remain key lending risks.
AI was everywhere at GFF 2026. Full automation was not
Global Fintech Fest 2026 highlighted agentic AI's practical integration within the BFSI sector. Automation will handle basic tasks, but humans will retain final decision-making authority. Companies are focusing on specialised AI models and optimizing compute power for cost efficiency. Job roles are evolving, with a continued emphasis on hiring and upskilling employees.
Assam’s greatest resource for industrialisation is its human resource: Finance Minister Jayanta Mallabaruah
Assam's Finance Minister Jayanta Mallabaruah emphasized the role of human resources in driving the state's industrialization efforts. The government is aiming to create quality employment and entrepreneurial opportunities for the youth in Assam. Major investments are being made in sectors such as semiconductors, electronics, and food processing to foster economic growth. Assam's industrial strategy includes enhancing infrastructure and facilitating investment processes to boost development.
The more AI banks deploy, the bigger the cyber battlefield gets
Indian banks and fintech firms face growing AI-powered cyber threats. Attackers use AI to find vulnerabilities faster than before. Financial institutions are deploying AI to detect and respond to these evolving threats. This creates a new cybersecurity arms race for the sector. Banks must also manage new risks from AI agents accessing sensitive data.
Indian banks' names keep fading from your loan documents
The landscape of retail lending is shifting as non-bank lenders swiftly embrace smaller ticket personal and consumer durable loans. NBFCs and fintech firms are not just leading originations by both volume and value; they are redefining lending opportunities as the economy continues to develop. Banks are still integral, providing necessary funding to NBFCs and utilizing securitization, contributing to a dynamic credit ecosystem with expanded avenues for access.
Student or parent: Who should be the primary borrower for education loan? Check repayment and tax implications before deciding
Determining whether a parent or a student should take on an education loan is an important decision. Although the student is the main borrower, having a co-borrower can be beneficial. It’s essential to think about potential future income for repayment rather than merely focusing on admission offers.
NBFCs must use AI, strengthen underwriting as credit growth accelerates: RBI Deputy Governor Murmu
Reserve Bank of India Deputy Governor S C Murmu urged NBFCs to use AI and machine learning tools. He emphasized stronger risk management and rigorous stress testing for lenders. NBFC credit growth continues to rise, impacting the overall financial landscape. Technology adoption is transforming credit assessment and management practices. Customer protection and robust governance remain key priorities for the sector.
India has fixed its PSU banks. Now comes the more ambitious part
The EAC-PM has proposed consolidating India’s public sector banks into a few large, comparable institutions to meet rising credit demand and finance the country’s growth towards Viksit Bharat 2047. The recommendation comes after a major PSB turnaround, with stronger profits, lower NPAs and faster credit growth. Larger banks could better fund infrastructure, manufacturing, technology and overseas expansion.
Tata, Godrej and now Birla: Big groups aren't just chasing glitter
India’s gold loan market is emerging as a growth opportunity for financial institutions, with outstanding loans against gold jewellery reaching Rs 3.3 lakh cr by May 2026. Tata Capital, Godrej Capital and Aditya Birla Capital are expanding aggressively as lenders shift toward secured retail credit, driven by rising gold prices, strong demand, regulatory changes and India’s vast household gold holdings.
SIDBI eyes growth from small-ticket MSME loans
The state-owned lender will press the pedal on its 'Prayaas Programme' that targets businesses that are looking for loans between ₹1 lakh and ₹5 lakh, which are not served by other established lenders such as banks and even non-banking finance companies in general.
NBFCs poised to capitalise on $120 billion funding deficit in MSME sector
Amid the robust tailwinds, small ticket lenders have a deal flow potential of about $15 billion in the coming decade.
Stay away from crony lending, focus on high quality loans: CEA Subramanian
Observing that Indian banking sector since the early 1990s faced the problem of poor quality lending especially on large loans, Subramanian said, loans were not given to most creditworthy borrowers but to crony capitalists, leading to high distress.
BharatPe raises Rs 60 crore in debt financing from Innoven Capital
The fintech plans to raise $500-700 million in debt over next two years to bolster lending business
Rs 15,000 crore on tap, but it may not help NBFCs, MSMEs
In a three-page letter to the lenders, Sidbi stipulated that these loans would be repaid in bullet instalment after 90 days of the date of withdrawal.
Specialised financial institutions like SIDBI, NABARD provided Rs 50,000 crore liquidity
"It has been decided to provide special refinance facilities for a total amount of Rs 50,000 crore to NABARD, SIDBI and NHB to enable them to meet sectoral credit needs" RBI governor Shaktikanta Das said in his media statement.
Digital lending startups enter classrooms to grow business
While it might push up interest rates, in many cases institutes are open to bearing the interest rates, since quick financing options give them more applicants.
More measures to ease funds flow to SMEs needed: Experts
Traditionally cash-heavy sector faces structural hindrances as far as flow of funds is concerned
IndoStar Capital Finance to now focus on equities
IndoStar Capital Finance, which specialises in structured wholesale lending, has decided to tap the equity market and raise funds from qualified institutional investors.
We'll fund microfinance companies that follow RBI norms: Sushil Munhot
Sidbi's Sushil Munhot says the Malegam report on the microfinance sector will help the SME tackle MFIs better
Trading of ‘forced’ loans in the works
The Reserve Bank of India (RBI) has started preparing guidelines for trading of directed credit obligations-loans which every bank is required to provide manadatorily- among banks and other financial institutions.
World Bank to build on renovated home loans
The World Bank is funding development of new financial instruments for providing home finance to the unorganised sector in the country in the light of the subprime crisis.
India Inc ties up with B-schools for made-to-order curriculum
Serious talent shortage and lack of experienced manpower, especially in emerging sectors like retail is pushing companies like Dabur, Tesco, Patni and HDFC to launch specialised courses with leading institutes in the country for their current and potential employees.
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