BANKING & FINANCE Muthoot Finance Sets FY27 Priorities On Gold Loans, Diversification

Muthoot Finance Ltd, one of India’s leading gold financing companies, will focus on deepening its gold loan franchise while scaling non-gold lending businesses in FY27, with asset quality and capital adequacy remaining key priorities. “We will deepen the gold loan franchise and continue to acquire customers at pace. We will scale our non-gold lending lines, […]

CW Bureau · Aug 8, 2026

BANKING & FINANCE ESAF Bolsters Retail Banking Push With Emerging Household Portfolio

ESAF Small Finance Bank is sharpening its focus on the emerging household (EH) loans segment, positioning it as the next major growth driver as customers transition from financial inclusion to mainstream retail banking. The bank believes the segment, comprising individuals, self-help groups (SHGs), small entrepreneurs and farmer interest groups (FIGs), will evolve into one of […]

CW Bureau · Aug 7, 2026

BANKING & FINANCE CSB Bank’s Diversification Strategy Eyes Balanced Loan Book By 2030

Private sector lender CSB Bank is accelerating its transformation into a diversified, pan-India bank by expanding its retail, wholesale and MSME portfolios, while gold loans will continue to remain a key pillar providing stability and liquidity. The Kerala-headquartered bank is  investing heavily in technology and distribution under its long-term SBS 2030 strategy. In his message […]

Sajan C Kumar · Jul 28, 2026

BANKING & FINANCE Cholamandalam Investment Aims To Become Leading Financial Institution

Cholamandalam Financial Holdings Ltd (CFHL), the Core Investment Company of  the Murugappa Group said its financial services arm Cholamandalam Investment and Finance Company Ltd (Chola) is making steady progress towards its long-term goal of emerging as a leading financial institution. The company said investments in technology, product expansion and customer engagement continue to support sustainable […]

CW Bureau · Jul 23, 2026

BANKING & FINANCE Manappuram Finance To Deepen Gold Loan leadership, Revive Microfinance

Manappuram Finance Ltd will focus on strengthening its leadership in the gold loan business, scaling up secured lending businesses and restoring the growth trajectory of its microfinance arm, while accelerating digital transformation, Chairman and Managing Director V P Nandakumar said in his message to shareholders in the company’s Annual Report 2026. The NBFC also sees […]

Sajan C Kumar · Jul 21, 2026

BANKING & FINANCE Tata Capital Buys 89% In Yogloans For ₹318 Cr, Enters Gold Loan Space

Tata Capital Ltd (TCL), the flagship financial services company of the Tata Group, has approved the acquisition of a majority stake in Kerala-based Yogakshemam Loans Ltd (Yogloans), marking its entry into India’s fast-growing gold loan segment. The proposed all-cash transaction will see Tata Capital acquire approximately 88.6% of the issued and paid-up share capital of […]

CW Bureau · Jul 13, 2026

BANKING & FINANCE Cholamandalam Finance To Expand AI Use Across Business Operations

Cholamandalam Investment and Finance Company Ltd. (Chola) is exploring artificial intelligence (AI)-led interventions in its collections business and plans to extend the technology to sales and credit functions with a strong focus on governance and accountability. In his message to shareholders, Executive Chairman Vellayan Subbiah said technology continued to be a key enabler across customer […]

CW Bureau · Jul 7, 2026

BANKING & FINANCE Gold Loan Lenders Well Protected Against Gold Price Correction Risks

Domestic gold loan lenders remain well insulated from risks arising out of potential corrections in gold prices, backed by strong risk management practices, prudent loan-to-value (LTV) ratios and efficient recovery mechanisms, according to a report by Crisil Ratings. The report noted that despite the recent increase in the regulatory LTV ceiling to 85% for loans […]

CW Bureau · Jun 25, 2026

BANKING & FINANCE Prudence First: TMB Targets Growth Without Compromising Asset Quality

Tamilnad Mercantile Bank (TMB) is strengthening its focus on secured lending, MSME financing and digital transformation as it pursues sustainable growth while maintaining one of the strongest asset quality profiles in the banking industry, according to the bank’s Managing Director and CEO Salee S Nair. In his message to shareholders in the Annual Report 2025-26, […]

Sajan C Kumar · Jun 18, 2026

BANKING & FINANCE Gold, Personal And Home Loans Drive Retail Credit Growth In FY26: Experian

India’s retail credit market witnessed strong momentum in FY26, driven by rising demand for gold loans, personal loans and home loans, according to Experian’s latest Industry Insights – May 2026 report. The report highlights robust growth in loan originations, increasing preference for secured lending and improving repayment behaviour, indicating a healthier and more stable credit […]

CW Bureau · Jun 3, 2026

BANKING & FINANCE Muthoot Finance Targets 15% Growth In Assets Under Management In FY27

Muthoot Finance Ltd, India’s largest gold loan non-banking finance company, is targeting around 15% growth in assets under management (AUM) this year, supported by continued demand for household gold loans and expansion across subsidiaries. “For the last 10 years, we have been giving a guidance of 15% in first quarter. In the next two quarters, […]

CW Bureau · May 20, 2026

BANKING & FINANCE Karur Vysya Bank Expects Its Credit Growth Above Industry Level In FY27

The Karur Vysya Bank Ltd expects its credit growth to outpace industry growth by 1-2% during FY27 despite global macroeconomic uncertainties, geopolitical tensions and pressure on margins. The bank expects slippages to remain below 1% of the asset book during FY27, while liquidity coverage ratio (LCR) is projected to remain in the range of 115-120%. […]

CW Bureau · May 13, 2026