RBI reduces risks in unsecured loans through measures

economictimes.indiatimes.com — March 17, 2025 at 08:01 PM UTC

The Reserve Bank of India (RBI) has successfully reduced risks in unsecured loans by increasing risk weights in November 2023. This led to a significant slowdown in the growth of credit card dues and loans to non-bank lenders. Credit card dues growth fell from 34% in November 2023 to 13% in January 2025. Loans to non-bank lenders also decreased from 21.5% to 7.7% during the same period. The RBI plans to restore original risk weights for bank loans to non-banking financial companies starting in FY26, following the moderation in these credit categories.

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