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ICICI Bank Q1 FY25 Results: Net profit jumps nearly 15%, beats Street estimates; net interest income grows to Rs 19,553 crore | Catch key takeaways

ICICI Bank Q1 FY25 Results: Net profit jumps nearly 15%, beats Street estimates; net interest income grows to Rs 19,553 crore | Catch key takeaways

Sat, Jul 27, 2024

ICICI Bank Q1 FY25 Results: ICICI Bank on July 27 registered a 14.6 per cent year-on-year increase in its standalone net profit with 7.3 per cent growth in net interest income - or the difference between interest earned and interest paid.

Sunshine Capital to foray into mutual fund distribution

Sunshine Capital to foray into mutual fund distribution

Thu, Jun 20, 2024

The board has resolved to adopt best fintech practices to enhance market penetration and operational efficiency.

What is SMA in loan accounts in banking? Does SMA status of your loan impacts CIBIL report?

What is SMA in loan accounts in banking? Does SMA status of your loan impacts CIBIL report?

Mon, Jun 17, 2024

Before the loans are classified are non-performing, the RBI guidelines require them to be classfied as SMA-0, SMA-1 and SMA-2 and these indeed have an adverse impact on your CIBIL report.

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Can a bank auction my property if I default on my loan?

Can a bank auction my property if I default on my loan?

Tue, Aug 29, 2023

If you default on the repayment, the lender has a number of measures lined up to get back their money. This includes the SARFAESI Act, 2002, under which the lender may auction the property kept as collateral.

Money Guru: How to manage expensive loan, pay EMI or do SIP?

Money Guru: How to manage expensive loan, pay EMI or do SIP?

Mon, Aug 28, 2023

SIP: Have you thought how to compensate for this? That is, how can we get back the interest that we will give for the next 20 years. So that the house price is recovered. An easy way of this is SIP strategy.

What’s covered under home insurance and what’s not

What’s covered under home insurance and what’s not

Wed, Aug 23, 2023

A lot of policyholders are unaware of their home insurance covers. The policy not just protects the physical framework of the house, but also possessions like electronics and furniture

Loan Against Property vs Gold Loan: What is the difference? Which is a better option?

Loan Against Property vs Gold Loan: What is the difference? Which is a better option?

Mon, Aug 21, 2023

Gold loans and loans against property are the two most common types of secured loans. However, before availing these loans the borrowers should check interest rates and other key factors to avoid financial troubles.

Loan Resetting: RBI allows these floating rate loan borrowers to change EMIs and loan tenures

Loan Resetting: RBI allows these floating rate loan borrowers to change EMIs and loan tenures

Sat, Aug 19, 2023

At the time of sanction of EMI based floating rate personal loans, REs are required to take into account the repayment capacity of borrowers to ensure that adequate headroom/ margin is available for elongation of tenor and/ or increase in EMI, in the scenario of possible increase in the external benchmark rate during the tenor of the loan.

Loan vs Savings: Which is a better option to buy a car?

Loan vs Savings: Which is a better option to buy a car?

Thu, Aug 17, 2023

A car loan offers one the opportunity to fulfil their wish to own a four-wheeler without impacting their bank balance significantly. Using one's savings to finance a four-wheeler purchase frees them from any debt obligation.

Bank Loan: Can I apply for a fresh loan after defaulting on one?

Bank Loan: Can I apply for a fresh loan after defaulting on one?

Mon, Aug 14, 2023

Loan defaults can lower the borrowers' credit score, further affecting their financial credibility and making it difficult to avail new loans in the future. Many borrowers are often confused whether they can get a new loan after defaulting on an existing loan.

Personal Loan: Borrowing money from online apps? Don't ignore these red signals

Personal Loan: Borrowing money from online apps? Don't ignore these red signals

Mon, Aug 14, 2023

Online lending apps have attracted significant attention over the past couple of years over their dubious loan terms, illegal loan recovery practices and other fraudulent practices. If the app is not on the whitelist or is present on the banned list, avoid it at all costs.

Centre directs banks, civic bodies to work in tandem on scheme for loans to street vendors

Centre directs banks, civic bodies to work in tandem on scheme for loans to street vendors

Sun, Aug 13, 2023

The meeting was attended by representatives of the state governments, commissioners of municipal administrations and convenors of state-level bankers' committees (SLBCs), among others.

Credit Card: Bank has shrunk your credit card limit. These can be the reasons

Credit Card: Bank has shrunk your credit card limit. These can be the reasons

Sat, Aug 12, 2023

As stated by SEBI, banks hold the right to analyse the credit limits of customers based on their spending and repayment data and further offer to increase or decrease the credit limit, depending on the case.

Home Loan: What is Step-up EMI? Is it good or risky for the salaried class?

Home Loan: What is Step-up EMI? Is it good or risky for the salaried class?

Fri, Aug 11, 2023

Step-up EMI works on the basis of a borrower’s expected rise in income over the years. Borrowers have to pay lower EMIs in the initial years of their loan tenure. However, it could be risky as the rise in income may not always keep pace with the increase in inflation and interest rates.

Home Loan Interest Rate: Use these tips to get the best rate from banks

Home Loan Interest Rate: Use these tips to get the best rate from banks

Fri, Aug 11, 2023

In order to avail a housing loan with the cheapest interest rates, it is important to find a few such banks or NBFCs that offer competitive interest rates with favourable terms and conditions. Compare the home loan offer from different lenders and then choose the best plan as per your requirement and repayment plan.

Floating interest rate vs fixed interest rate: What is RBI's home loan resetting programme for borrowers?

Floating interest rate vs fixed interest rate: What is RBI's home loan resetting programme for borrowers?

Fri, Aug 11, 2023

RBI's supervisory reviews have uncovered instances where the tenor of floating rate loans has been extended by lenders without the proper consent or communication to borrowers. To rectify this, the central bank is implementing a comprehensive conduct framework for Regulated Entities (REs).

Why using an EMI calculator will make your loan calculation easier

Why using an EMI calculator will make your loan calculation easier

Wed, Aug 09, 2023

Before availing a loan it’s important to plan your repayment and the EMI amount. This helps you in planning your monthly budget without disrupting the repayments.

How to come out of debt trap by managing your finances well

How to come out of debt trap by managing your finances well

Mon, Aug 07, 2023

Expert advice can also help you negotiate your debt burden with the lenders in a more informed manner. It can also provide ideas to manage your finances properly.

Personal Loan: Easy ways to improve your eligibility for personal loans

Personal Loan: Easy ways to improve your eligibility for personal loans

Tue, Aug 01, 2023

One of the most crucial factors for personal loan approval is a good credit score. This score reflects your creditworthiness.

Loan Against FD: How to apply online, eligibility criteria & documents required

Loan Against FD: How to apply online, eligibility criteria & documents required

Tue, Jul 18, 2023

A loan against a fixed deposit is a type of loan where a person pledges their fixed deposit as collateral. In this write-up, I will tell you about how you can apply online for a loan against FD, its eligibility criteria and the documents required.

Paisa Wasool 2.0: Gold loan or personal loan — where can borrowers save thousands of rupees?

Paisa Wasool 2.0: Gold loan or personal loan — where can borrowers save thousands of rupees?

Sun, Jul 09, 2023

Personal loans and gold loans can be the perfect solution whenever a person is need of extra funds or in case of an emergency. Here is a comparison of the advantages, disadvantages and the characteristics of both these loans, so you can decide which is the more suitable option for your needs.

China cuts lending benchmarks for first time in 10 months to support economy

China cuts lending benchmarks for first time in 10 months to support economy

Tue, Jun 20, 2023

The People's Bank of China (PBOC) lowered short- and medium-term policy rates last week, signalling it is about to embark on another round of loosening in monetary settings in a push to rev up the recovery.

Explained: How RBI repo rate revision impacts your home, auto, personal loan EMIs

Explained: How RBI repo rate revision impacts your home, auto, personal loan EMIs

Thu, Jun 08, 2023

Any change in repo rate directly affects Equated Monthly Instalments (EMIs) for different kinds of loans, including the home, auto and personal loans.

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