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AI powered NBFCs could outpace traditional banks in credit and underwriting

AI powered NBFCs could outpace traditional banks in credit and underwriting

AI adoption is giving NBFCs a measurable edge in lending, helping them win market share by improving credit underwriting and decision speed. The shift could let NBFCs grow faster than traditional banks over the next decade, squeezing incumbents that rely on older risk models and slower processes. As efficiency rises, competitiveness tilts toward AI-first lenders.

Summarised by Beize from a story on The Economic Times on 24 Apr 2026
Gold loan fintechs pivot to own loan books as RBI tightens lending rules

Gold loan fintechs pivot to own loan books as RBI tightens lending rules

Gold loan fintech startups are changing gears after RBI tightened norms that disrupted their earlier loan-sourcing model. Firms like Indiagold and Oro are obtaining NBFC licenses and arranging debt funding to build direct lending loan books, while also weighing co-lending partnerships. The move aims to restore growth momentum as service-provider routes face tighter scrutiny.

Summarised by Beize from a story on The Economic Times on 24 Apr 2026

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Jio Financial Services ramps up secured lending but postpones unsecured credit growth

Jio Financial Services ramps up secured lending but postpones unsecured credit growth

Jio Financial Services says it is expanding its lending book through property and asset-backed corporate loans, keeping its focus on secured segments for now. The company is prioritising balance sheet strength before moving into unsecured credit. Alongside lending growth, its payments bank and payment aggregator businesses are also expanding as it targets a broader full-service financial model.

Summarised by Beize from a story on The Economic Times on 24 Apr 2026
HDFC merger could reshape India private banking as balance sheet power meets cheaper lending costs

HDFC merger could reshape India private banking as balance sheet power meets cheaper lending costs

HDFC Bank’s larger balance sheet could translate into bigger loan disbursals after the merger, while costs may fall due to recent regulatory streamlining. Updated reporting and delinquency provisioning rules for banks and non-bank finance companies are expected to reduce friction. HDFC’s focus on affordable housing and micro-lending can also help align its loan book with HDFC Bank’s development finance requirements.

Summarised by Beize from a story on The Economic Times on 24 Apr 2026
Fintech firms chase NBFC licences as RBI rules tighten, turning survival into a licensing race for margins

Fintech firms chase NBFC licences as RBI rules tighten, turning survival into a licensing race for margins

As RBI regulations tighten, fintech companies are scrambling to secure or pursue NBFC licences. For many players, the licence is more than compliance—it’s a survival lever and growth pathway. Direct lending can deliver higher margins than simply providing technology to banks or existing NBFCs, reshaping competition and strategy across the sector.

Summarised by Beize from a story on The Economic Times on 24 Apr 2026
Banks are shifting from loans to mutual funds and it changes everything for savers

Banks are shifting from loans to mutual funds and it changes everything for savers

Banks that traditionally relied on deposits and wholesale funding to drive lending are increasingly parking money in mutual funds. The move helps manage returns and liquidity but also puts banks in direct competition for investors’ savings, where mutual fund investments can replace or reduce demand for bank deposits and loans. The result: a reshaped financial landscape.

Summarised by Beize from a story on The Economic Times on 24 Apr 2026

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