Coverage
Bad loans and NPAs
RBI Imposes Penalties on Three Karnataka Cooperative Banks for Director Loans, NPA Lapses, and Exposure Breaches
When central bank audits reveal repeated instances of director-related lending and delayed bad-loan recognition, regulatory penalties serve as a critical reminder that governance standards apply equally across all tiers of banking.
Union Minister of Textiles to inaugurate Handloom Haat: The Handloom Experience Centre at Janpath on 14 August
When a government ministry transforms traditional handloom markets into modern experience centers, retail branding for artisan ecosystems reaches a new benchmark.
AU SFB Q1 net profit up 37% YoY to ₹796 crore on loan and deposit growth
Net interest income rose 32% and deposits crossed ₹1.57 lakh crore, as provisions fell 30% and net NPA held at 0.76% post the Fincare merger.
How Aditya Puri built HDFC Bank on discipline, not FOMO
By refusing the 2004-2007 infrastructure lending boom that other Indian banks chased, HDFC Bank kept gross NPAs at 0.85% while the industry average hit 6%.
Indian Bank targets ₹4,500–5,500 crore in NPA recovery for FY27
The bank recovered ₹1,885 crore in Q1 alone, putting it 34% ahead of its full-year target. Write-backs from resolved bad loans now directly boost the bottom line.
DBS India nets ₹1,020 crore profit on 49% growth, halves bad loan ratio
The Singaporean lender's bold Lakshmi Vilas Bank integration is now yielding results, with gross NPAs cut from 2.78% to 1.34% and advances scaling 15%.
Zerodha Capital posts 0% GNPAs as loan-against-securities book hits ₹580 Cr
ICRA's FY26 disclosure shows Zerodha's NBFC arm growing income 44.2% and profit 20.5%, with zero bad loans on its LAS book.
Oxyzo scales ₹10,500 Cr loan book while holding NPA at 0.74%
Oxyzo Financial Services grew assets 28% year-on-year in FY26 while maintaining tight credit discipline. The fintech's ecosystem lending model delivers precision in SME risk management.
IIFCL targets ₹75,000 Cr in FY26 sanctions, cuts net NPA to zero
India's state-backed infrastructure lender is pushing 30% harder while maintaining pristine credit quality. Regulatory tailwinds unlock larger project underwriting.
Indian banks post ₹4.11 lakh crore profit as credit growth and NPA cleanup drive earnings
Private and public sector banks split record profits almost equally, with SBI, HDFC Bank, and ICICI Bank accounting for over half the sector's profitability.
SBI's FY26 profit milestone signals PSU banking's structural comeback
SBI's earnings now rival HDFC Bank's, driven by completed NPA cleanups and balance-sheet recovery. The milestone resets competitive baselines in Indian banking.
IndusInd Bank under probe after alleged recovery agent assault on borrower
Two separate FIRs have been filed following an altercation between the bank's recovery agents and a borrower over unpaid credit card dues. Law enforcement authorities have summoned bank officials.
Utkarsh Small Finance Bank sells ₹1,491 Cr in NPAs for ₹195 Cr recovery
The lender offloaded stressed assets to ARCs at an 87% haircut, a move mirroring sector-wide balance sheet cleanup as microfinance stress persists.
India's NPA crisis recedes to 2-2.5% as banking sector stabilises
Moody's projects India's non-performing assets will remain subdued over the next 12-18 months, marking a sharp reversal from 2018's 11% peak and signalling a maturing credit market.
PNB posts ₹5,100 Cr record quarterly profit on retail growth and NPA cleanup
Punjab National Bank's Q3 profit surged 13% year-on-year, driven by sharply lower bad loans and a focused push into retail and MSME lending. The results underscore a broader shift in PSU banking toward asset quality and retail-led growth.
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