Loans to MSMEs by NBFCs in India

What does it tell us?

Loans to MSMEs by NBFCs in India

  • The MSME sector was among the most pandemic-afflicted sectors
  • NBFCs’ credit to MSMEs grew at 17.8 percent during 2020-21. ICCs, together with NBFCs-MFI, are the main purveyors of MSME credit
  • Eleven percent of the NBFCs-MFI’s loan book comprises micro and small loans

Distribution of Retail Loans of NBFCs in India

What does it tell us?

Distribution of Retail Loans of NBFCs in India.

  • Vehicle loans credit, the largest segment in retail loans, witnessed a reduction in share during 2020-21 owing to a disruption of activity.
  • Vehicle financing is a niche area for NBFCs in which they still account for a predominant share.
  • While the share of lending against gold doubled
  • Indicators of sales of Commercial, Passenger, and Tractor sale is also provided.

Cost of Handling Complaints – RBI

What does it tell us?

Complaints handling under Banking Ombudsman Scheme (BOS) – 2006 (Covering Banks in India)

  • The average cost of handling a complaint under the BOS decreased by 33.46%, from ₹2,412/- during July 1, 2019, to June 30, 2020, to ₹1,605/- during July 1, 2020, to March 31, 2021.
  • The reduction in cost was on account of the increased volume of complaints handled by the same human resources, supported by the end-to-end digitization of complaint processing in Complaints Mgt Sys.

Distribution of NBFC Credit

What does it tell us?

Sectoral Credit of NBFCs

“Industry” remained the largest recipient of

credit extended by the NBFC sector, followed by retail loans and services.

In 2020-21, the share of the retail loan portfolio of the sector continued to rise with a concomitant fall in the share of the services sector.

NBFCs Credit Vs. Scheduled Commercial Banks

What does it tell us?

Lending by NBFCs has risen.

NBFCs’ credit intensity measured by the credit/GDP ratio has been rising consistently,

reaching a high in 2021 (Chart a).

Significantly, NBFCs’ credit in proportion to Banks’ credit has also risen (Chart b).

If you prefer legends, it will be very easy to understand (numbers in percentages)

Working professionals’ & Productivity

Working professionals’ productivity is directly related to their level of emotional anxiety & stress 😑

– When are you stressed or feeling negative emotions?

#Stress and the negative #emotions are the prime and big reasons today for holding a person to #blossom in #life.

– At the initial stages of our lives, we seldom focus or work on building strong resilience to the ups and downs of life, as we grow along.

– If one is unprepared, then there are #setbacks

– The world is ready to fill you with IQ but hardly teaches you #emotionalintelligence

– Remember, you can still learn from others and save yourself from # the #miseries of life

– Wake up before it’s too late.

– Inculcate the habit of #Yoga#mindfulness and deep breathing such as #SKY. (Refer 1st comment for Research work)

#UpSkillWithAbhishek

When are you stressed or feeling negative emotions?

When are you stressed or feeling negative emotions?

#Stress and the negative #emotions are the prime and big reasons today for holding a person to #blossom in #life.

– At the age of 27, due to set-backs in life, I realized – I know nothing about my own #mind (I wish, I could give my 100% to help others)

– The world is ready to fill you with IQ but hardly teaches you #eq

– Remember, you can still learn from others and save yourself from # the #miseries of life

– Wake up before it’s too late.

– Inculcate the habit of #Yoga#mindfulness and deep breathing such as #SKY. (Refer 1st comment for Research work)

#UpSkillWithAbhishek

How important is Mental Health to you? Check out this if you do…

How important is Mental Health to you? Check out this if you do…

Key Facts
According to the National Alliance on Mental Illness (NAMI):
👉 1 in 5S. adults experience mental illness each year.
This means that either you or someone you know has been impacted.
👉 1% of U.S. adults with mental illness also experienced a substance use disorder in 2020 (17 million individuals).
👉 50% of all lifetime mental illness begins by age 14, and 75% by age 24.

✌ This year, Mental Health Awareness Month will amplify the message, “More Than Enough.” According to National Alliance on Mental Illness, this campaign is a message of hope and inclusion. “All people, no matter where they are on their mental health journey, are deserving of support, resources, fulfillment, and a community that cares.”

& Breathing especially SKY Breath Meditation Protocol significantly reduces anxiety, depression, and trauma while increasing well-being.

Is Mental Health really important to you? If yes, take a look at this…

Is Mental Health really important to you? If yes, take a look at this…

Key Facts
According to the National Alliance on Mental Illness (NAMI):
👉 1 in 5S. adults experience mental illness each year.
This means that either you or someone you know has been impacted.
👉 1% of U.S. adults with mental illness also experienced a substance use disorder in 2020 (17 million individuals).
👉 50% of all lifetime mental illness begins by age 14, and 75% by age 24.

✌ This year, Mental Health Awareness Month will amplify the message, “More Than Enough.” According to National Alliance on Mental Illness, this campaign is a message of hope and inclusion. “All people, no matter where they are on their mental health journey, are deserving of support, resources, fulfillment, and a community that cares.”

& Breathing especially SKY Breath Meditation Protocol significantly reduces anxiety, depression, and trauma while increasing well-being.

How can I save myself from Overthinking? 😮

How can I save myself from Overthinking? 😮

Do you know overthinking leads to #Stress?

– Research on Sudarshan Kriya – Physical & Mental Health Benefits
Sudarshan Kriya and accompanying breathing practices, referred to collectively as Sudarshan Kriya and taught through the Art of Living Foundation worldwide, have been found to enhance brain, hormone, immune and cardiovascular system function.

– Published research shows that Sudarshan Kriya significantly reduces stress, depression, anxiety, and Post-Traumatic Stress Disorder (PTSD), and significantly increases well-being both mentally and physically.

– Research also demonstrates that the effects of Sudarshan kriya reach all the way down to the molecular level, to our DNA.

– Over 100 independent studies conducted on four continents and published in peer-reviewed journals have demonstrated a comprehensive range of benefits from Sudarshan kriya practice.
Significant Health Benefits Documented in Independent Research and Published in Peer-Reviewed Journals

Research says –
https://www.artofliving.org/in-en/research-sudarshan-kriya

How do I know/learn – SKY
https://www.artofliving.org/in-en/sudarshan-kriya

#mentalhealth #mentalhealthawareness #mentalhealthmatters #mentalhealthrecovery #mentalhealthtips