Bank loan: Retail loan stress may reverse NPA gains, CareEdge warns of unsecured segment risks in H1FY26

Non-performing assets (NPAs) in India’s banking sector may inch up in the first half of FY26, driven by growing stress in the retail loan segment — especially unsecured personal and microfinance loans, according to a report released by CareEdge Ratings on Friday.The report estimates that the Gross NPA (GNPA) ratio for Scheduled Commercial Banks (SCBs) […]

Poonawalla Fincorp bets on unsecured 15-minute loans

MUMBAI: Poonawalla Fincorp is going against the tide by growing unsecured loans. The company is targeting ‘premium’ borrowers with unsecured loans of up to Rs 15 lakh, disbursed digitally in 15 minutes.“We have extensive experience in unsecured lending, with low delinquency rates among top white-collar professionals,” said CEO Arvind Kapil. “Rather than increasing risk, we […]