Loans against shares spiked on bull run. Is this a good idea to borrow against securities? Experts answer

1 day, 3 hours ago

Gold auctions on the rise as NBFCs look to clean up books on RBI diktat, rise in prices

Companies lending against gold are auctioning the collateral in higher quantities to recover stressed loans, at a time of rising regulatory scrutiny over the sector. Gold auctions that rose sequentially in the second quarter are expected to rise further in the ongoing December quarter, experts said, since directions from the Reserve Bank of India pertaining to gold loans came only …

Finance Growth Prices Gold Prices Gold Loans Quarter Rbi

2 weeks ago

Can a personal loan fuel your entrepreneurial journey? Here’s the truth

Live Mint

The desire to be your own boss often fuels the ambition for wanting to start your business. For business needs, personal loans are attractive since they Collateral is not needed: In order to obtain a loan, you are not required to pledge any assets. For MSMEs in particular, personal loans help bridge funding gaps, enabling them to invest in growth …

Business Personal Loans Order Interest Rates Interest Business Loans Score

2 weeks, 3 days ago

Microfinance stress not alarming, says RBI deputy governor Swaminathan

Live Mint

The Reserve Bank of India believes that the stress in microfinance loans is not alarming, deputy governor Swaminathan J said on Friday, even as data showed rising repayment delays by borrowers. At the end of June, 2.5 million microfinance borrowers had loans from five or more lenders each, up 17.2% from the same period last year, showed data from credit …

Stress Gold Loans Rbi Mint Lenders Swaminathan Microfinance Loans

2 weeks, 3 days ago

Personal Loan: Should you use it for investment? Pros and cons revealed

Live Mint

Taking a personal loan with the intention of investing can be both risky as well as profitable. Let us understand the implications of borrowing a personal loan for investment and whether or not it is a wise decision for you: Understanding personal loans A personal loan is an unsecured type of loan which you can easily borrow for any purpose …

Personal Investment Personal Loans Investments Loans Loan Personal Loan

2 weeks, 4 days ago

Asset reconstruction companies see spike in unsecured loan sales by lenders

Live Mint

Mumbai: Asset reconstruction companies are seeing a spike in the sale of bad debt in the unsecured retail loan portfolios of banks and non-banks, as stress rises in the microfinance and personal loan segments. Banks and non-bank lenders have been putting up more unsecured retail loans for sale to asset reconstruction companies over the past six months. Another challenge is …

Reconstruction Companies Loans Loan Rbi Banks Asset

3 weeks ago

Leveraged Loan Market’s $56 Billion Day Smashes Record

Live Mint

-- More than $56 billion of US leveraged loans launched Monday, as borrowers stormed the market after the Thanksgiving holiday, shattering a $34 billion record set two weeks ago. Leveraged loan sales already hit an annual record in October, soaring past 2017 and marking 2024 the busiest year for new issuance, according to data compiled by Bloomberg dating back to …

Record Loan Billion Bloomberg Leveraged

What are the benefits of raising a personal loan over other financing options?

Live Mint

Are you short of funds and exploring different ways of raising money? There are multiple ways to do so such as personal loan, instant loan, credit card loan and loan against an asset such as gold or securities. Benefits of raising personal loan over other financing options: 1. Instant options available: Thanks to technology, one can raise a personal loan …

Personal Options Loan Personal Loan Interest Rate Raising

3 weeks, 5 days ago

Planning to borrow from a personal loan lending app? Make note of 6 key points

Live Mint

Gone are the days when a loan seeker had to literally run from pillar to post to procure a personal loan. Besides a large bank, one can also approach an NBFC or a loan lending app to meet immediate financial need. Spike in fraudulent transactions Total fraudulent transactions Oct 22 Oct 24 Value terms ₹ 220 crore ₹ 411 crore …

Personal Personal Loan App Rbi Oct Transactions Nbfc

1 month ago

PMJ Capital launches a new property debt fund for UK investors

The Independent

PMJ Capital is a Business Reporter client PMJ Capital, a UK-based specialist property finance lender, has announced the launch of its PMJ Private Credit No 1 Fund, an alternative investment fund geared towards offering retail investors access to secured real estate debt opportunities. The fund is designed to capitalise on the current property market’s demand for flexible finance, providing advised-retail …

Finance Market Tax Property Investment Capital Fund

1 month ago

Pros and cons of personal loans: Is borrowing right for you?

Live Mint

Personal loans are one of the most sought after products in the field of finances, since they fulfil the need for instant money for any purpose. Personal loans are usually repos which are meant to meet specific needs despite the fact that as much as lenders set caps depending on your income and your ability to repay. No collateral required: …

Personal Personal Loans Loans Loan Personal Loan Emi Lenders

1 month, 2 weeks ago

Mutual Funds: Should you opt for low-performing funds? Experts have THIS to say

Live Mint

When every investor is chasing high-yielding funds, there are some who chase low-performing mutual funds to make the most of the current attractive valuations. Sridharan Sundaram, founder of Wealth Ladder Direct, says that investors can invest in infrastructure and information technology funds since they are available at attractive prices now. Shweta Rajani, head of mutual funds, Anand Rathi Wealth, says, …

Mutual Funds Investors Funds Investor

2 months ago

Banks Are Reinventing Loans to Serve Clients While Generating Rich Fees

Live Mint

Goldman Sachs has issued the first-of-its-kind capital-call ABS and similar innovations to help its loan clients. The deals reflect two trends transforming financial markets: increasing large managers of private-debt and private-equity funds moving up in the Wall Street pecking order, but they often need money fast. Banks are reinventing themselves to adapt to this trend.

Law Finance Financial Markets Capital-Call Loans New York City

3 months, 3 weeks ago

How mutual fund investors can minimise the impact of front-running

Live Mint

The Association of Mutual Funds in India recently laid out guidelines for front-running and fraudulent transactions. The demon of mutual fund front-running isn’t new to the market and has often haunted investors because of its negative repercussions. “Regular review of fund performance for unusual patterns might help investors indicate front-running,” said Narinder Wadhwa MD of SKI Capital, while highlighting the …

Market Investors Fund Mutual Mutual Fund

4 months, 1 week ago

Empower your financial independence: Join the 42nd edition of ABSLMF’s Nivesh Mahakumbh

Hindustan Times

As our nation celebrates its 78th year of independence on August 15, let’s reflect on the extraordinary journey India has traversed. The 42nd edition of Nivesh Mahakumbh, a mega event by Aditya Birla Sun Life Mutual Fund, brings together the who’s who of the BFSI sector and a diverse cross-section of financial experts to foster a dynamic exchange of ideas …

India Retirement Women Life Wealth Investment Mutual Funds

5 months, 1 week ago

Securities refinancing halted to maintain stock market stability

China Daily

The China Securities Regulatory Commission has announced to halt securities refinancing, starting from Thursday, as the latest measure to maintain stock market stability. In essence, securities refinancing enables listed companies' major shareholders to lend shares they own to investors for short-selling. With the benchmark Shanghai Composite Index dropping below the psychological mark of 3,000 points late last month, there have …

Securities Securities Refinancing

5 months, 1 week ago

Securities refinancing halted to maintain stock market stability

China Daily

The China Securities Regulatory Commission has announced to halt securities refinancing, starting from Thursday, as the latest measure to maintain stock market stability. In essence, securities refinancing enables listed companies' major shareholders to lend shares they own to investors for short-selling. With the benchmark Shanghai Composite Index dropping below the psychological mark of 3,000 points late last month, there have …

Securities Securities Refinancing

6 months, 1 week ago

The people’s bank that LiquiLoans has built

Live Mint

The conference hall in Pune was packed. To retail investors who have long complained about low interest rates, an indicative 10% rate on idle savings seemed like a great deal. LiquiLoans also has an algorithm that automatically assigns a customer’s investment to hundreds of small loans, spreading out the risk. In the past, LiquiLoans also got some of its loans …

Interest Retail Investors Investors Rate Small Lenders Adukia

8 months, 1 week ago

Banks strike back against private credit

Live Mint

When it comes to financing deals, don’t count out the big Wall Street banks quite yet. In the first quarter, almost $12 billion of debt previously from direct lenders was refinanced via the so-called broadly syndicated loan market, according to PitchBook LCD, a channel dominated by banks. Moody’s Investors Service in a recent report wrote that “banks are fully aware …

Capital Banks Big Morgan Morgan Stanley Private Credit Stanley Report

8 months, 2 weeks ago

Gold Rate Surges, Will Gold Loans Become First Choice of Borrowers?

News 18

Gold prices in India have been on an upward trend recently. Experts feel that the rising trend of gold prices in India can have a positive impact on gold loans in a couple of ways. Opportunity for borrowers Sumit Sharma, founder-Radian Finserv, said, “Cognisant of the consistent upward trajectory in gold prices over the long term, we recognise the current …

India Trend Gold Loans Prices Price Gold Prices

9 months, 2 weeks ago

Using personal loan for debt consolidation? The pros and cons of this move

Live Mint

Leveraging a personal loan for debt consolidation can serve as a beneficial strategy to handle your debt and potentially cut costs. Here's an overview of the primary advantages: Personal loans present numerous benefits over salary advance loans, potentially making them a superior choice for diverse borrowing requirements. Here's an overview of the primary advantages: Increased loan amount : Personal loans …

Personal Financial Tax Personal Loans Loans Debt Loan

10 months ago

Should you put all your savings into stocks?

Hindustan Times

Less than two months of 2024 have passed, but the year has already been a pleasing one for stock market investors. They make the case for a portfolio of 100% equities, an approach that flies in the face of longstanding mainstream advice, which suggests a mixture of stocks and bonds is best for most investors. A portfolio solely made up …

Stocks Data Investors Long

10 months ago

Should you put all your savings into stocks?

Live Mint

Less than two months of 2024 have passed, but the year has already been a pleasing one for stockmarket investors. They make the case for a portfolio of 100% equities, an approach that flies in the face of longstanding mainstream advice, which suggests a mixture of stocks and bonds is best for most investors. A portfolio solely made up of …

Stocks Data Investors Long

10 months ago

SoftBank’s $118 Billion Arm Problem

Live Mint

Japan’s SoftBank has a prime perch at the artificial intelligence table thanks to its 90% stake in chip designer Arm, which is raking in cash from the AI boom. The rally means the value of SoftBank’s stake in Arm, at $118 billion, is now much higher than that of its owner, at $84 billion. The small public float that has …

Stock Ai Stake Shares Arm Softbank

11 months, 3 weeks ago

More fintech NBFCs tap debt markets for expansion

Live Mint

MUMBAI : Fintech startups operating as non-banking financial companies are increasingly turning to the bond market to secure funds for expansions due to the rising costs of bank borrowing. JM Financial reported that Fintech NBFCs raised ₹1,818 crore from the bond market in 2023, up from just ₹450 crore in 2022. “With demand for credit picking up, bank credit getting …

Market Bank Debt Crore Raised Hni Bank Borrowing

1 year, 2 months ago

’Worried over high growth in personal loans’

Live Mint

New Delhi: Reserve Bank of India governor Shaktikanta Das cautioned against the risks of “very high growth” in personal loans and urged lenders to strengthen their internal surveillance mechanisms and address the build-up of risks. While this is the first time RBI has publicly voiced concerns about the sharp growth in personal loans, the regulator has been cautioning banks about …

Personal Growth Credit Personal Loans Loans Rbi Fy22

1 year, 3 months ago

The Market-Beating Investment That’s Defying Wall Street Skeptics

Live Mint

It is one of the biggest surprises on Wall Street: the outsize performance of risky corporate loans. When the Federal Reserve started aggressively raising rates last year, many analysts warned that these loans were vulnerable because their rates rise and fall with those set by the central bank. Asurion, a privately owned company based in Nashville, Tenn., that insures and …

Companies Loans Debt Loan Interest Investors According

1 year, 3 months ago

Bad influence: Why you should be wary of the finfluencer

Live Mint

Every bull-market run has as its flag bearer a person or an idea or a combination thereof, which promises to help you realise all your financial dreams. In the stock market, among other things, the idea of value of “land bank" took hold, driving prices of real estate companies to stratospheric levels. Yet, there’s something about personalities and the “new" …

India Market Money Stock Idea Finfluencer Bad Influence

1 year, 3 months ago

‘We want to partner banks to gain foothold in home loans’

Live Mint

India’s largest microlender CreditAccess Grameen Ltd is seeking to diversify its asset base by increasing the share of its non- microfinance book through housing, unsecured business and gold loans. After being elevated as chief executive officer in August, Ganesh Narayanan is looking to raise the share of non-microfinance loans from the current 1% to 12-14% in 4-5 years. Today, we …

Loans Home Loans Microfinance Cost Book

1 year, 5 months ago

Insider Q&A: Head of securities regulators’ group on how to look out for investment scams

Associated Press

NEW YORK — Scammers targeting investors are using fears of a recession and high inflation to put new wrappers on their ruses, but the underlying scams are still pretty much the same, says Andrew Hartnett. A: Maybe there’s something like a digital asset scam where because the blockchain is new, you can argue that is a new kind that we’re …

Scams Scam Rate Return

1 year, 5 months ago

Boom in risky loans may spur curbs on unsecured lending

Live Mint

MUMBAI : The Reserve Bank of India is likely to raise risk weights on unsecured loans by 10-25 percentage points to caution banks against unfettered lending under this category, bankers and analysts said. While risk weights are likely to increase, leading to more capital consumption, RBI will not raise it equally for all categories of unsecured loans, they said. View …

Personal Personal Loans Loans Loan Risk Sector Rbi

1 year, 8 months ago

Debt mutual funds without indexation are still a great investment bet for medium to long duration

Live Mint

The debt mutual funds have been gaining scale in India driven by the massive increase in the volume of debt securities. Although there has been a structural alteration in investment themes, the debt MFs primarily have been investing in central government securities, corporate bonds, commercial papers, certificates of deposit, T-bills and state development loans. Having said that, the debt mutual …

Tax Investment Debt Mutual Funds Investors Funds Indexation

1 year, 8 months ago

Debt Grows More Expensive, Harder to Get for Startups After SVB Collapse

Live Mint

With Silicon Valley Bank’s future uncertain, startups backed by venture capital looking for new lenders are facing higher borrowing costs, onerous terms or even closed doors, potentially throttling their growth. Oceans Ventures is working with more than 40 startup founders looking for new debt facilities outside of Silicon Valley Bridge Bank, said Steven Rosenblatt, co-founder and general partner at the …

Startup Startups Bank Companies Loans Debt Capital

1 year, 9 months ago

Cash crunch for start-ups as Sunak calls in Covid loans

The Telegraph

Under the Future Fund’s terms, companies that raise new funding see the loans converted to shares in the company. Companies that have failed to raise new funds from investors in the three-year loan period are required to pay back double the loan amount, as well as annual interest of 8pc. The demanding terms mean the 550 businesses with loans outstanding …

Future Companies Loans Loan Fund

1 year, 9 months ago

Adani Group secures $3 billion loan from sovereign wealth fund: Report

Hindustan Times

India's Adani Group has told creditors it has secured a $3 billion loan from a sovereign wealth fund, two sources with knowledge of the matter said, as the embattled conglomerate seeks to ease debt concerns after a short-seller attack. The credit line from the sovereign wealth fund could be increased to $5 billion, the sources said, citing a memo that …

Fund Group Adani Sovereign Wealth Fund Sovereign Wealth

1 year, 10 months ago

Citigroup’s wealth unit stops accepting Adani Group securities

Live Mint

Citigroup Inc.’s wealth arm has stopped accepting securities of Gautam Adani’s group of firms as collateral for margin loans as banks ramp up scrutiny of the Indian tycoon’s finances following allegations of fraud by short seller Hindenburg Research. “In recent days, we have seen a dramatic price drop of Adani issued securities,” Citigroup said in an internal memo seen by …

Group Adani Citigroup

1 year, 11 months ago

Gold Loan Projection: Demand For Yellow Metal To Stay Steady, Technology To Drive Gold Loans In 2023

ABP News

Given that gold is viewed as a good risk-hedger, economic downturn typically favours its price. The market for personal loans charted a growth of 10 per cent 12 per cent in 2022 while gold loans expanded five times as quickly. As of July 2022, State Bank of India, the country’s largest lender, reported a 24 per cent market share in …

Personal Personal Loans Digital Gold Loans Crore Gold Loan Cent Market

2 years ago

Microfinance lenders go for secured loans to diversify risk

Live Mint

A clutch of microfinanciers is venturing into secured asset classes such as mortgages and gold loans to diversify their portfolio and balance the risk of unsecured microlending with loans that require collateral. The strategy change took shape after a Reserve Bank of India circular in March allowed microfinance institutions to lend 25% of their total assets in non-microfinance loans. Mid-caps, …

Loans Loan Chief Executive Secured Narayanan Total Assets Secured Loans

2 years ago

SEBI alerts RBI about NBFCs evergreening loans

Live Mint

The Securities and Exchange Board of India has informed the Reserve Bank of India about instances of non-bank lenders evergreening loans by using alternative investment funds, two people with direct knowledge of the matter said. “Sebi, during the course of its examination, found at least two NBFCs and two AIFs indulging in the practice of ‘evergreening’ through the AIF route. …

Sebi Rbi Nbfc Aifs This Misuse

2 years, 2 months ago

How rising bank FD rates a challenge for stock market, mutual fund investors?

Live Mint

Portfolio management: Amid hawkish Reserve Bank of India on interest rate hike, various Indian banks have announced fixed deposit interest rate hike in last few months. But, from portfolio diversification perspective, it would definitely bring some challenge for the equity investors as debt mutual funds are expected to regain its shine during high bank interest rate regime. According to experts, …

India Bank Debt Interest Rates Interest Mutual Funds Investors

2 years, 2 months ago

Banks financing Musk's Twitter deal face hefty losses

The Hindu

Elon Musk's U-turn on buying Twitter Inc. could not have come at a worse time for the banks funding a large portion of the $44 billion deal, and they could be facing significant losses. Noting other recent high-profile losses for banks in leveraged financing, more than 10 bankers and industry analysts told Reuters the outlook was poor for the banks …

Debt Musk Billion Banks Leveraged Twitter Deal Leveraged Loans

2 years, 2 months ago

We want to create mid-market champions: Jashvik Capital

Live Mint

Private equity firm Jashvik Capital, which invests in mid-market healthcare and consumer sector-focused companies, has launched its maiden fund. In an interview, Naresh Patwari, founder and managing partner, discussed how the fund aims to identify high-growth companies in large addressable markets. Edited excerpts: Jashvik capital has launched its maiden fund. We invest only in profitable businesses growing at more than …

Fund Invest Jashvik Capital Profitable Growth

2 years, 3 months ago

Debt Funds Saw Big Inflows in August, But Should You Invest in Them Heavily?

News 18

Debt mutual funds in India saw healthy fund inflows last month, according to the data released by the Association of Mutual Funds of India. This also marks a serious turnaround from the Rs 70,213 crore worth of outflows that debt mutual funds witnessed in the second quarter of 2022. “In fact, we have ‘Moderate return expectations in debt funds’ Viral …

India Debt Month Crore Funds Invest Rate

2 years, 5 months ago

A new bull market can’t start until investors give up

Live Mint

The Wall Street veteran who uttered those words about the star fund manager said he has no ill-will, but he said he isn’t comfortable betting on a new bull market until the poster child for the last one has had her comeuppance. Even that month, investors yanked billions more from equity mutual funds according to the Investment Company Institute, fearing …

Stocks Market Investors Fund

2 years, 5 months ago

Rakesh Jhunjhunwala Portfolio: Buy This Midcap Banking Stock For Over 25% Returns in a Year

News 18

Rakesh Jhunjhunwala Portfolio: Ace investor Rakesh Jhunjhunwala-backed private lender stock, Federal Bank, has a potential to grow over 25 per cent on the steady improvement in business market share over the past 5 years. Ace investor Rakesh Jhunjhunwala, who is also called the Big Bull of the Indian stock market, holds 75,721,060 equity shares, which translates into 3.7 per cent …

Bank Stock Federal Cent Yoy Icici Securities Rakesh

2 years, 5 months ago

Finance Ministry asks banks to explore fintech partnership, co-lending opportunities

The Hindu

The Finance Ministry has asked public sector banks to explore fintech partnerships and co-lending opportunities to expand their business. In the recently concluded performance review of PSBs by the Finance Ministry, sources said, lenders were asked to focus on technology and data analytics to push their lending. The meeting took stock of asset quality and business growth plans of banks, …

Growth Bank Crore Ministry Banks Finance Ministry Psbs

2 years, 9 months ago

Why Zerodha founder finds retail investors using ’BNPL’ a worrying trend

Live Mint

Brokerage firms trying to monetize retail customers using ‘Buy Now Pay Later’ type of products for investments is a worrying trend, as per Zerodha's founder and chief executive officer Nithin Kamath, who believes that it is not good for the customer & if the customer does not do well with their money, it is also as not good for the …

Russia Zerodha

3 years, 2 months ago

How regulations have failed our fixed-income securities market

Live Mint

The March 2020 redemption debacle will always be remembered as a moment of reckoning for India’s fixed- income mutual fund industry. Amid the denigration inflicted upon the industry, perhaps the greatest error of judgement pertained to the convenient omission of the fact that India lacks a credible secondary market for corporate debt securities. This means that the risk of holding …

India Market Corporate Debt Mutual Funds Stock Securities

3 years, 4 months ago

Record profit pushes SBI shares to all-time high

Live Mint

Shares of State Bank of India rose to their all-time high after the nation’s largest lender posted a record quarterly profit, driven by its non-lending business and lower provisions for bad loans. Net income rose 55% to 65 billion rupees in the three months to June, according to a statement Wednesday, beating the average estimate of 54 billion rupees from …

Sbi

Loans against shares spiked on bull run. Is this a good idea to borrow against securities? Experts answer

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