- #1economic_timespositive
AU Small Finance Bank logs higher deposit growth than gross loan expansion
AU Small Finance Bank reports 22.8% year-on-year deposit growth to Rs 1.53 lakh crore, outpacing its 21.3% gross loan portfolio expansion for March 2026. Both metrics significantly exceed the Reserve Bank of India's reported industry credit growth average of 13.8% for the same period.
AU Small Finance Bank's deposit growth of 22.8% outpaces industry average by roughly 900 basis points.
credit_marketsfinancial_inclusion - #2moneycontrolneutral
Thinking of taking a loan against silver? Here’s how much you can really borrow
Lenders typically advance 75–85% of silver's assessed metal value as a loan, with pricing driven by market volatility rather than craftsmanship or emotional worth. Borrowers should note that high silver volume does not guarantee larger loans, as lenders impose internal quantity limits.
Silver loan advances range 75–85% of metal value, limited by volatility margins and lender-set quantity caps.
credit_markets - #3hindu_businesslinepositive
HDFC Bank reports 12% credit growth, deposits rise 14.4% in March quarter
HDFC Bank posts 12% credit growth to Rs 29.6 lakh crore and 14.4% deposit growth to Rs 31.05 lakh crore for the March 2026 quarter, with current and savings account (CASA) deposits rising 12.3%. The bank's financial results are overshadowed by the abrupt resignation of part-time chairman Atanu Chakraborty over cited ethical concerns.
HDFC Bank chairman's resignation citing ethical concerns overshadows otherwise steady March quarter results.
credit_marketsdigital_banking - #4moneycontrolneutral
FD-backed credit cards: A simple way to start, but not as risk-free as they sound
Fixed deposit-backed credit cards offer a practical entry point for credit-building, providing limits of 75–90% of the deposited amount with quick approval and no income proof requirements. However, the cards carry the same high interest rates—often above 30% annually—as standard cards, sharply eroding the 6–7% interest earned on the underlying deposit.
Fixed deposit-backed cards charge 30%-plus annual interest, negating the 6–7% deposit return if balances are carried.
credit_marketsfinancial_inclusion - #5moneycontrolpositive
Himalaya Food’s lenders approve extension of One Time Settlement till September
A State Bank of India-led lender consortium has approved an extension of Himalaya Food International's One Time Settlement deadline to September 2026, with Rs 21.50 crore of the Rs 43 crore final settlement amount still outstanding. The company says the extension clears the path for asset monetisation, capital infusion, and export-driven expansion.
SBI-led lenders extend Himalaya Food's one-time settlement deadline to September 2026, with Rs 21.50 crore still due.
npa_resolutioncredit_markets - #6hindu_businesslinepositive
Bank of Baroda’s global biz crosses ₹30 lakh crore milestone
Bank of Baroda's global business crossed the ₹30 lakh crore mark for the first time, rising 13.93 per cent year-on-year to ₹30,78,854 crore as of March 2026. Both global deposits and advances posted double-digit growth, with domestic retail advances surging 17.93 per cent year-on-year.
Bank of Baroda's global advances grew 16.23% year-on-year, outpacing deposit growth in Q4FY26.
credit_marketsbanking_supervision - #7hindu_businesslinepositive
Bandhan Bank's loans, advances rise 12.6% in Q4 FY26
Bandhan Bank's loans and advances grew 12.6 per cent year-on-year to ₹1,54,235 crore in Q4 FY26, while total deposits rose 10 per cent to ₹1,66,344 crore. Retail deposits strengthened notably, with the retail-to-total deposits ratio improving to 73.67 per cent from 68.88 per cent a year earlier.
Retail term deposits surged 30.1% year-on-year, signalling a stronger, more stable funding base.
credit_marketsfinancial_inclusion - #8hindu_businesslineneutral
Smart strategies in bond investing
India's fixed income market is evolving beyond bank deposits, with retail investors gaining access through platforms such as Reserve Bank of India Retail Direct and online bond portals. Key strategies—accrual and duration positioning—offer varying risk-return trade-offs depending on interest-rate cycles and credit quality.
Higher-rated instruments (AAA/AA+) offer predictable accrual returns while limiting default risk for retail investors.
government_securitiesfinancial_inclusion - #9moneycontrolneutral
Over 40 and behind on retirement savings? What you can do now
Investors who begin retirement planning after 40 can still build a meaningful corpus by raising their savings rate, maintaining equity exposure to counter inflation, and maximising tax-efficient instruments such as provident funds and pension schemes. The key shift is treating retirement contributions as a non-negotiable commitment rather than discretionary savings.
Raising the savings rate, not chasing high returns, is the most reliable lever for late-start retirement planning.
capital_marketsfinancial_inclusion - #10hindu_businesslinenegative
FPIs pull out ₹24,743 crore in short week as March records historic sell-off
Foreign Portfolio Investors pulled out ₹24,743.74 crore from Indian markets in a truncated three-session week ending April 3, 2026, with equities bearing the brunt at ₹23,801.94 crore in net outflows. March 2026 recorded the largest-ever monthly foreign investor sell-off, with total net outflows of ₹1,25,736.40 crore across all asset classes.
March 2026 marks the steepest-ever monthly foreign equity sell-off in Indian market history at ₹1.18 lakh crore.
capital_marketsforex