Will Dip In Consumer Loans Affect Bank's Profitability? | NDTV Profit

[@SmokeyDimsums]

Whenever someone mentions "Middle Class with sustainable income" it would be great if they can clarify what's the income bracket these middle class fall in. What percentage of Indian population does this growing middle class belong to?

[@amarakbarantony1]

Billion Dollar question.

[@manasranjandas7669]

Market main demand nehi hai , economic ka halat damadol hai hai , aur badhega defaulters ke number

[@George-qk6hg]

Without security why banks give loans in the first place. This is a credit discipline problem.

[@FXT130]

Because banks charge astronomical interest rate on those loans. It is most profitable business.

[@SureshMenon-c9x]

Let's all thanks madaji for this situation

[@sarthakmohanty734]

Madaji approves these unsecured loans of private financial institutions?

[@SureshMenon-c9x]

@@sarthakmohanty734 Ya, Madamji did not approve these loans, but she has financially restricted the the common people from earning money and repaying these unsecured loans, which they were compelled to take.

[@pabbisettyjagannadham5199]

Most of the management personnel in Banking and NBFC sectors are interested in their personal achievements rather than the interests of the organisation. The targets are fixed without taking into consideration the ground realities. The lacunae in the issue of credit cards and easy conversion to EMIs and too many players in the microfinance sector is leading to the present problem. Added to this the availability of loans in the unorganised sector at a higher abnormal rate of interest is adding fuel to the fire.

[@shankarnanda7756]

Plz bring more this kind of videos

[@rajk7007]

the credit scores which were boons will become banes now in this phase.. they will force credit approval teams not to allow credit further hampering banks' P&L..

[@FXT130]

Lot of people loosing jobs regularly and people has very less emergency funds. This situation is bound to happen.

[@rajk7007]

Good amount of loan has gone in stock market in the form of margin trading, speculative portion. Lesser portion could be in assets - real estate, business shares, stock holdings, etc.. Now since the rules seriously affecting the market participation are in play, the spiraling effect has started. This is our own sub prime crisis..!

[@George-qk6hg]

Very true

[@fartywood3917]

In a country like India with avg GDP Per capita of 2 lakhs, who would have thought giving out loans worth 1.5 lakhs for a brand new iphone, to the roadside panipuri seller, so that he can make instagram reels during his free time, would blow up in the face of the banks!! Not me!!! 😂😂😂

[@tapk1995]

Investors need to watch out, We have RBI that did great job, we have FM that I don't need to say as 7 in 10 are unemployed, and Currency is depreciating. We have Gabbar tax that Dont create jobs other than MGREY which is good but waste of tax as material is spent but wasted due to poor workmanship, G Media compares China and India which EU and US is shy because they China is 25 22:39 yrs ahead of combined USA & EU combined might. But India is not shy to import everything that NSE & Bse 150-1500 promoters buy 80% from China add value in India by 10% and yet cannot sell to Indians at price that Indians can pay for. In nut shell cost of product 25% to 50% higher than China and at par with USA and Europe. Even oil rich Saudi Qatar UAE Oman pay less than Indians

[@tapk1995]

Banks also need to introspect why Margin of 2% on housing 8% on other loans are not able to generate enough profit.

[@civilpractical8845]

Consumer & retail unsecured loans make will destroy the bank profits .

[@sunkidd9150]

If in the past 10 years, the all knowing 'Great Guru' had worked intelligently rather than talk loudly, the situation would not have been so grim.

[@Wbuffbuff]

Did Modi ask banks to give loans without due diligence..foolish

[@Wbuffbuff]

Banks and NBFCs wanted to grow and corporates were not borrowing,so personal loans was the area they could grow...

[@sarthakmohanty734]

Private banks fcks up Piddi = Modi ki galti

[@SubashishB]

Banks punish those borrowers who are good with payments, and the ones who default on consumer loans and unsecured loans are essentially walking away with freebies.

[@mysterious4455]

Greed of banks is killing itself and its employees by making them sell huge amount of unsecured credit just to meet impossible targets.

[@Littlefire71]

Thanks to expensive phones,cars and homes

[@users-z4y]

No job ...take loan

[@vinodrandhave2010]

Higher Commissions = Taking advantage of consumers. Signing loan documents on behalf of consumers, HDFC Bank employees. Quant mutual fund house exited from HDFC bank shares 100%.

[@tapk1995]

Banks r handling public money and why not establish a sealing on unsecured loan not exceeding ₹20K. Secondly for secured loan it must not exceed 50% of back up assets. Thirdly British era law must change to protect depositors money. For ex if banks like SBI ICICI Axis and HDFC goes bust world economy would doubt even RBI and INDIA as a Nation if can pay back FII’s investment and imports

[@nirmal886]

When banks stop giving credit loans.. Whole gdp will crash

[@avinashnag8013]

Make in India go went gone 😅😅😂😂😂 Akhand USA unlock 🔓

[@armanrar2818]

CSB BANK best bank for long-term investment book value 230 target 500 short term

[@yashlahigude2638]

If they are defaulting isn't the CIBIL score hammered.

[@007arnov]

Not everyone is concerned with it. Many people don't have stable income but still take loan just to come out of the situation.

[@samipdattabhaumik8768]

Did we not learn anything from 2008?

[@PrasadPilankar-qh8bf]

nice

[@indianindian8859]

😂kabhi 2 britishers apne news channel par chinese me discussion karte nahi dekhe ye india me hi ho skta hai bhasha bhi udhaar ki 😂😂😂😂😂😂😂😂

[@vishalzambare5978]

Chhapris buying iPhone

[@abjmohanan]

2008 but in a different way