Topic
credit
Trade Finance Credit vs Factoring in Trucking: Why Financial Fit Matters More Than Tool Type
According to FreightWaves, the choice between credit and factoring for trucking fleets depends on how well the financing aligns with daily operations. Credit provides liquidity for long-term investments but adds debt, while factoring converts invoices into immediate cash without debt. Skepticism around factoring often stems from poorly structured programs, not the concept itself.
Finance Just 14% of MSMEs Get Formal Loans Despite India's Digital Finance Boom: Deloitte Report
Deloitte's State of Financial Services in India report reveals that only 14% of MSMEs have access to formal credit, leaving a credit gap of at least Rs 25 lakh crore. Despite India's advanced digital payments ecosystem, inclusion gaps persist with low formal credit penetration and insurance coverage.
Finance Gold loans surge 84% in FY26, emerge as mainstream credit driver: Experian
Gold loans are now one of India's fastest-growing retail credit products, with sourcing surging 84% year-on-year in FY26, according to Experian. The industry portfolio more than tripled to ₹19.4 lakh crore by March 2026, driven by rising gold prices and deeper market penetration. Asset quality also strengthened, with net 90+ delinquency improving to 0.2% from 0.4% three years earlier.
Finance Credit Surges 17.7% as Deposit Slowdown Widens Funding Gap
Bank credit in India surged 17.7% year-on-year by May 31, 2026, the strongest since June 2024, while deposits declined by Rs 2.3 lakh crore since March 31, widening the funding gap to Rs 3.8 lakh crore. The credit-deposit ratio rose to 82.8%, squeezing bank liquidity and prompting adjustments in government securities holdings.
Finance Telangana Tenant Farmers Demand Loan Eligibility Cards
Tenant farmers in Telangana are urging the government to issue Loan Eligibility Cards to facilitate access to institutional credit and government schemes. The Tenant Farmers’ Recognition Struggle Committee highlights the challenges faced by tenant farmers, including high lease rates and lack of credit access.