Ananya Grover

Unlike larger lenders with diversified and sticky deposit franchises, small finance banks rely more heavily on retail deposits to fund their loan books and, therefore, need to offer higher rates to attract and retain savers.

Understanding the spread can make the difference between assuming you are benefiting from an RBI rate cut and discovering that much of the benefit has been offset by the bank's pricing decisions.

The revised tax form mandates split reporting of derivatives turnover and profits, improving AIS-based data matching and raising compliance pressure on futures and options traders

Used-car financing now drives nearly 60% of platform transactions, but loans carry steeper rates (9-18%) and hidden costs like GPS-device fees and hypothecation charges versus new-car loans.

If you drive infrequently, a pay-as-you-drive (PAYD) policy could significantly lower your car insurance premium. Here's how it works, who should opt for it, and the risks to watch for.

CRIF India's Sachin Seth discusses how India's credit ecosystem has matured through Jan Dhan, Aadhaar and digital lending infrastructure, and why risk-based pricing and secured credit products like gold loans are gaining traction.

The new framework empowers the ombudsman to issue interim, non-binding advisories to the regulated entity, requiring it to take action for full or partial resolution to enable quicker settlement.

A home loan top-up can offer cheaper credit than a personal loan—but only if you understand the costs, eligibility rules and hidden pitfalls.

Account Aggregators are giving lenders a richer picture of borrowers—and potentially faster, cheaper loans. But the data trail can become harder to see once it reaches the lender.

Marcellus Investment Managers' founder and CIO Saurabh Mukherjea argues that portfolios anchored solely to domestic markets may no longer be enough.