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Tag: Credit Risk
    US Default Risk Spikes as CDS Prices Hit 12-Year High

    US Default Risk Spikes as CDS Prices Hit 12-Year High

    2025-06-01  Niranjan Ghatule
    US Default Risk Spikes credit default swaps on US government debt have surged to 52 basis points, signaling heightened investor concern over America's fiscal trajectory. With CDS pricing near its highest in 12 years—outside of the 2023 debt ceiling crisis—and outstanding volumes climbing to $3.9 billion, markets are flashing warnings about the risks posed by rising deficits
    RBI’s New DLG Provisioning Norms: A Blow to Fintechs Like Paytm

    RBI’s New DLG Provisioning Norms: A Blow to Fintechs Like Paytm

    2025-05-28  Niranjan Ghatule
    This article explores the Reserve Bank of India's (RBI) new provisioning guidelines for Digital Loan Guarantees (DLGs) and their potential impact on fintech companies like Paytm. It explains how the exclusion of DLGs from provisioning calculations could increase capital requirements, reduce ROE, and affect loan disbursement volumes, particularly for digital lenders.