Intelligence Library · Topic
Banking & Credit
Briefs examining India's lending and deposit systems — MSME credit access, unsecured-credit cycles, bank liability mix, and home-loan growth decomposed by ticket size and volume.
— Banking & Credit
04 published
- #MortgageKCurve
The Mortgage K-Curve — Decomposing India's Home-Loan Growth by Ticket vs Volume
RBI says housing loans grew 11.1%; CRIF says portfolio value grew 10.5% while volume grew 4.1%; SBI retail +17%, Bajaj Housing +23%. Nine readings across six measurement universes. The K-curve becomes legible only when value and volume are isolated to the same publisher — CRIF Q3 FY26 — where value grows 2.5× faster than volume.
2.5×value-vs-volume gap · CRIF Q3 FY262026-05-21·12 min - #BankingDepositWar
Banking Deposit War: When CASA Loses to Time
Three composite banking stakeholders. Three liability failure modes. One CASA decline.
~38%top private CASA · RBI Stat2026-05-15·9 min - #CreditCardDefaultCycle
Credit Card Default Cycle: When the Unsecured Curve Turns
Three composite consumer-credit stakeholders. Three NPA failure modes. One turning unsecured curve.
~2.2%card NPA · RBI FSR2026-05-15·9 min - #MSMECreditGap
The MSME Credit Gap: When the Announcement Meets the Underwriting Model
Three composite MSMEs. Three credit failure modes. One underwriting model deciding the line.
~50%formal coverage · RBI FSR2026-05-14·9 min
— Other Topics
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