Banking News Update | RBI Impact on Home Loans & NBFC Lending | Week 1 January 2026

In this video, I share the Weekly Banking & Mortgage News Update—Week 1 of January 2026.

This update explains the latest RBI-related changes and how they may impact:

Home loan approvals
NBFC lending
Credit assessment
LAP and self-employed cases

I have explained everything in simple language, from a credit manager’s point of view, so bankers and borrowers can clearly understand the real impact.

This video is useful for:

Bankers
Credit Managers
Mortgage Professionals
Home loan & LAP borrowers
Anyone preparing for a career in credit or lending

🔗 SOURCES & REFERENCES (CREDIBLE NEWS LINKS)

The information discussed in this video is based on reports from trusted and well-established sources in the banking sector:

1️⃣ RBI Financial Stability Report – Banks Strong, NBFC Stress

Indian banks’ bad loans may fall, but NBFC risks rise – Reuters
👉 https://www.reuters.com/world/india/indian-banks-bad-loans-may-fall-risks-rise-non-bank-lenders-central-bank-says-2025-12-31/

2️⃣ Banking Sector Health – Low NPAs

Indian banking sector resilient, NPAs at multi-decade low – Reuters
👉 https://www.reuters.com/world/india/indian-banking-sector-remains-robust-bad-loans-decline-central-bank-report-says-2025-12-29/

3️⃣ RBI Co-Lending Framework (Effective Jan 2026)

India central bank issues final co-lending framework – Reuters
👉 https://www.reuters.com/world/india/india-central-bank-issues-final-co-lending-framework-effective-january-2026-2025-08-06/

Additional reference:
Big shift for NBFCs and Housing Finance Companies – Loans Jagat
👉 https://www.loansjagat.com/news/big-shift-for-nbfc-and-housing-finance-companies

4️⃣ Home Loan Interest Rate & EMI Impact

2025 brought relief for home loan borrowers – The Economic Times
👉 https://m.economictimes.com/wealth/save/2025-brought-big-relief-for-home-loan-borrowers-will-they-further-fall-in-their-emis-with-more-interest-rate-cuts-in-2026/articleshow/126268266.cms

5️⃣ RBI Regulatory & Credit Risk Trends

RBI flags higher slippages, risks in loan books – Mint
👉 https://www.livemint.com/industry/banking/rbi-financial-stability-report-unsecured-loans-private-sector-banks-npas-11767179901425.html

🧰 MY SERVICES FOR CREDIT PROFESSIONALS

If you are a working banker or credit professional and need personal guidance, tools, or mentoring, you can connect with me here:

👉 Personalized Toolkit & Guidance
https://topmate.io/shravan_pandey11

🔗 CONNECT WITH ME

📧 Email: pandeyshrawan7049@gmail.com
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📌 ABOUT THE CHANNEL

Banking with Shravan is a practical banking education channel where I share:
Weekly banking news
RBI updates explained simply
Home loan & LAP concepts
Credit underwriting basics
Real-life lending knowledge

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Видео Banking News Update | RBI Impact on Home Loans & NBFC Lending | Week 1 January 2026 канала Banking with Shravan