Solid roundup as usual. That RBI point about microfinance stress sticking around even when broader NBFC metrics look stable is worth digging into. It's basically thesame tension we saw back in 2018-19 where overall portfolio quality masks pockets of genuine trouble, especially when you look at rural lending and unorganized borrower segments. The rise in bad loans here isn't just a cyclical thing it's more structural -think cash flow disruptions from irregular monsoons or local economic shocks that hit microfinance clients way harder than regular retail borrowers. I dunno if consolidation or better underwriting tech is the fix, but ignoring it now just makes the eventual cleanup more painful later.
Solid roundup as usual. That RBI point about microfinance stress sticking around even when broader NBFC metrics look stable is worth digging into. It's basically thesame tension we saw back in 2018-19 where overall portfolio quality masks pockets of genuine trouble, especially when you look at rural lending and unorganized borrower segments. The rise in bad loans here isn't just a cyclical thing it's more structural -think cash flow disruptions from irregular monsoons or local economic shocks that hit microfinance clients way harder than regular retail borrowers. I dunno if consolidation or better underwriting tech is the fix, but ignoring it now just makes the eventual cleanup more painful later.
hii