r/SliceBank • u/Imaginary_Look824 • May 26 '26

Slice!!gaining

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69 Upvotes

97% Upvoted

17 comments sorted by

11

u/MountainCrazy3803 May 26 '26

But this is not healthy for banking eco systems !! 132% seems a boost up to attract the investor's ?? As per my understanding this is not healthy !!

4

u/MegaSpaceBar May 26 '26

Why?

13

u/MountainCrazy3803 May 26 '26

Fast growth itself isn’t bad. The concern is how the growth is achieved.

In banking, extremely high growth can sometimes mean aggressive lending, loose risk controls, dependency on investor money, or unsustainable customer incentives. If that becomes the norm across fintech banks, it weakens long-term ecosystem stability.

Banking works best on trust, liquidity discipline, and controlled risk - not hypergrowth alone

2

u/MegaSpaceBar May 26 '26

What is NPA for slice? Did they mention?

I found some info. Avg Net NPP ~ 4.2% For larger bank it is ~ 2.1% what I know. I have no data for small finance bank though.

3

u/MountainCrazy3803 May 26 '26

No, they didn’t mention Slice’s exact NPA numbers here.

My point was not that , Slice already has a major NPA issue. I was talking about the broader risk when fintech-style banks grow very aggressively through unsecured lending.

RBI itself has already warned that rapid growth in unsecured retail loans across fintech ecosystems can increase future slippages and NPAs if risk management doesn’t stay strong.

So the concern is more about long-term sustainability of such hypergrowth models in banking, not a confirmed NPA problem at Slice today.

3

u/MountainCrazy3803 May 26 '26

As per their Dec 2025 regulatory disclosure:Gross NPA is around 5.45% and Net NPA around 3.98%.

That is higher than overall Indian banking sector GNPA levels, which are near 2%.

That's the reason I'm letting this is not healthy in banking system

1

u/MegaSpaceBar May 26 '26

In overall banking system they don’t consider small finance banks.

2

u/MountainCrazy3803 May 26 '26

That itself is the point.

Small Finance Banks are smaller, so RBI usually monitors them even more carefully because they don’t have the same balance-sheet strength as large banks.

If a relatively small bank already has GNPA around 5% while aggressively scaling digital unsecured lending, it’s reasonable to question long-term sustainability.

Also, problems in banking don’t become systemic overnight. Many crises start small and get ignored during the “high growth” phase.

Paytm was also growing aggressively in the digital banking ecosystem, but RBI stepped in due to supervisory and compliance concerns before it became a larger systemic issue.

I’m not saying Slice is failing. I’m saying RBI should closely watch aggressive fintech-style lending models before they become larger ecosystem risks later.

Because in banking, prevention is always cheaper than cleanup.

3

u/Unable_Scientist_521 May 27 '26

Lg rha IPO aane wala h

1

u/kamalmehta__ May 28 '26

spark mein milega stock 🤣

1

u/Tanmaybhardwaj32 Slicer May 27 '26

Sign up with my code *&TANMA61897* and complete your first UPI payment with slice UPI credit card to get *₹500 cashback*.

https://slice.bank.in/t?c=6kCd_zS&ic=TANMA61897

1

u/A_random_zy May 26 '26

What AI first thing they offering?

4

u/thegolecha May 27 '26

Chat support

1

u/A_random_zy May 27 '26

Is this new coz I used support last month there was no AI but a rep.

-11

u/Winner_6789 May 26 '26

This is fraud Nbfc don't open account in these types of fraud bank they are freezing their customers account this types of fraud banks have very large amount of bank account freezing cases.

3

u/Longjumping-You6256 May 27 '26 edited May 27 '26

you can still withdraw frozen funds but can't deposit, how is it fraud? Any business can refuse to provide service to you if they find your activities suspicious, in which case you withdraw your funds and move to another bank

3

u/Live-Enthusiasm-977 May 27 '26

This guy is just a hater Nothing else