Imagine this: you’re at an auction, and the bidding is happening at lightning speed. The price of everything keeps climbing higher and higher. It’s exciting at first, but then you start to wonder, how long can this last before things go out of control? That’s what was happening in India’s unsecured lending sector in 2023. Loans were being given out faster than ever, with little thought to the consequences down the road. It felt like the good times would never end. But just li

Think of it as a home loan in reverse. Instead of you paying EMIs to a bank, the bank pays you either monthly, quarterly, or as a lump sum against the value of your house or apartment.

Think India’s best borrowers are wealthy city dwellers? Think again. Rural women in Self-Help Groups (SHGs) boast a stunning 98% loan repayment rate, and they’re doing it without traditional collateral. This post uncovers the powerful blend of social trust, peer accountability, and grassroots financial discipline that makes India’s SHG model a global standout.

India’s banking landscape hides surprising regional gaps. Which states lend far more than others? Discover what these credit patterns reveal about the country’s hidden growth opportunities. Over the last two decades, India’s banking sector has undergone a significant transformation. While overall deposit and credit volumes have grown impressively, a deeper look through the lens of the Credit-Deposit (CD) Ratio reveals a story of regional divergence. This ratio, which reflects