1+ hour, 46+ min ago  (324+ words) Whalesbook What Happened Finance Minister Nirmala Sitharaman has called upon Indian financial institutions to overhaul their lending practices for micro, small, and medium enterprises (MSMEs) The directive aims to move banks away from a heavy reliance on collateral'such as property…...

3+ day, 14+ hour ago  (43+ words) Whalesbook Market volatility is exposing the fragility of Loan Against Shares (LAS) portfolios. With lenders tightening oversight, a modest market correction can trigger forced liquidation, turning leveraged positions into realized losses for unsuspecting investors....

5+ day, 19+ hour ago  (11+ words) Whalesbook...

1+ week, 3+ day ago  (10+ words) Whalesbook...

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1+ week, 5+ day ago  (62+ words) Whalesbook Lenders are pushing for mandatory Unique Registration Numbers (URNs) for Self-Help Groups (SHGs) to curb a rise in multi-group fraud and loan diversion. With NPAs reaching 1. 74% as of March 2026, the industry is moving toward a centralized verification system to…...

1+ week, 5+ day ago  (49+ words) Whalesbook Credit scores act as a gateway, but internal bank risk models now dictate the final interest rate. Lenders prioritize debt-to-income ratios and employment stability over static scores, creating a pricing disparity even among high-scoring borrowers....

2+ week, 2+ day ago  (65+ words) Whalesbook Bank credit to industry reached a 15. 1% growth rate in April 2026, signaling a sharp departure from the previous year's 7% pace. While this expansion reflects increased capital deployment across small and large enterprises, the rapid acceleration raises questions about potential credit…...

2+ week, 6+ day ago  (61+ words) Whalesbook India's vital MSME sector is struggling with a major credit access problem. Despite new funding, banks still rely on collateral instead of business reputation, blocking growth. This reliance on outdated methods hinders innovation and leaves many small businesses underfunded,…...

3+ week, 3+ day ago  (367+ words) Dekho bhaiyo, abhi jo India mein private credit market mein boom aaya hai na, uska seedha reason hai public markets mein chal rahi gadbad aur IPOs ki kam window. Is wajah se jo private credit investors hain, unki power bahut…...