RBI Mandates Risk-Based Pricing Amid FCNR(B) Liquidity Surge
RBI warns banks against diluting underwriting standards and mandates risk-based pricing despite excess liquidity from FCNR(B) inflows.
Read articleRBI Delegates Export Repatriation Powers to Authorised Dealer Banks
The RBI has shifted approval powers for export earnings repatriation to AD banks to reduce bottlenecks and accelerate foreign exchange inflows.
Read articleIRDAI Commission Curbs: Assessing Bank P&L Exposure
New analysis reveals how IRDAI commission caps impact bank earnings, with private lenders like IndusInd and IDFC First showing higher P&L sensitivity than public sector peers.
Read articleState Governments Push for Cash Flow-Based Lending in BFSI
Indian states are urging banks to transition from collateral-heavy models to cash flow-based lending to support high-growth sectors like data centres and green energy.
Read articleTReDS Platforms to Offer CGTMSE-Backed Guarantee for MSME Receivables
TReDS platforms can now integrate CGTMSE guarantee covers, reducing risk weights for financiers and expanding credit access for MSME invoice discounting.
Read articleRBI Mandates Stricter Bulk Deposit Rate Disclosure Timelines
New RBI guidelines effective October 1 require banks to adhere to stricter disclosure timelines for bulk deposit rates to curb predatory pricing and information asymmetry.
Read articleRBI Finalises Basel III Market Risk Norms for Debt MFs and ETFs
RBI's final Basel III market risk framework revises capital treatment for debt MFs and ETFs, impacting bank treasury risk-weighting and capital adequacy.
Read articleAnalysing the ₹25 Lakh Crore Credit Potential from FCNR(B) Deposits
SBI Research estimates FCNR(B) inflows could unlock ₹25 lakh crore in credit capacity, offering a vital liquidity buffer for Indian lenders facing tight domestic deposit growth.
Read articleRBI Shifts to Active Liquidity Withdrawal via Open Market Debt Sale
The RBI's first net OMO sale in nine years signals a transition to permanent liquidity absorption, impacting bank cost of funds and credit pricing strategies.
Read articleUPI MDR Activation: Assessing the ₹20,000 Crore Revenue Shift
New brokerage estimates suggest a potential ₹20,000 crore annual fee pool as UPI MDR on large-value transactions alters digital payment unit economics for Indian lenders.
Read articleIOB and novio Launch FD-Backed RuPay Card for Credit Inclusion
Indian Overseas Bank and novio launch a co-branded RuPay credit card focused on FD-backed onboarding for new-to-credit segments.
Read articleUnity SFB Leadership Transition: Camotra Tenure Extended by 6 Months
Unity Small Finance Bank extends MD & CEO Inderjit Camotra’s tenure by six months as RBI approval for a successor is expected within weeks, ensuring institutional stability.
Read articleAI Shifts Indian Bank Hiring Toward Specialist Technical Roles
Indian banks are pivoting from mass-scale operational recruitment to high-value technical hiring as AI and automation replace routine back-office and entry-level roles.
Read articleAU Small Finance Bank Strengthens Leadership for Universal Banking
AU Small Finance Bank hires Anil Agarwal and Amol Padhye to lead operations and risk management ahead of its transition to a Universal Bank following regulatory approval.
Read articleGovernment Mandates Zero MDR for UPI Transactions Under ₹2,000
The Indian government has notified a zero-charge mandate for UPI transactions up to ₹2,000, ending speculation on MDR while shifting focus to high-value payment monetization.
Read articleZero-MDR Notified for UPI Transactions Below ₹2,000
The Indian government has formalised a zero-charge mandate for UPI and RuPay transactions up to ₹2,000, forcing a strategic shift in merchant acquisition economics.
Read articleHDFC Bank Leadership Transition: RBI Review and Strategic Impact
HDFC Bank initiates leadership succession by submitting two MD & CEO candidates to the RBI following Sashidhar Jagdishan’s decision not to seek reappointment.
Read articleIndian Bank to Enter Life Insurance and Mutual Fund Segments
Indian Bank plans to establish captive life insurance and mutual fund subsidiaries, marking a shift from distribution to product manufacturing to capture higher fee income.
Read articleIndusInd Bank Integrates Corporate Cards with Working Capital Accounts
IndusInd Bank launches a corporate credit card linked directly to OD and CC accounts, enabling real-time B2B payments and streamlined liquidity management for Indian businesses.
Read articleUCO Bank Integrates GST-Based Underwriting for MSME Lending
UCO Bank and ScoreMe launch GST Smart to automate MSME credit appraisals using GST filings, shifting toward cash-flow-based digital lending models.
Read articleIndian Banks Favour Overnight Liquidity Over Long-Tenor VRRR
Treasury heads are prioritising immediate liquidity over longer-tenor VRRR auctions to maintain agility for high-yield loan deployment as credit demand rises.
Read articleNPCI Unveils Branchless Deposits and Instant Credit Protocols
NPCI's latest UPI innovations for credit access and cash services signal a shift toward fully decentralized banking operations for Indian lenders.
Read articleBandhan Bank Enters Credit Card Market with Mastercard Partnership
Bandhan Bank transitions toward full-service retail banking by launching a four-tier credit card portfolio in collaboration with Mastercard to leverage its micro-lending footprint.
Read articleMCLR Rises Above Year-Ago Levels Despite Steady Repo Rate
One-year median MCLR reached 8.70% in August, signaling a structural shift in bank funding costs despite a steady repo rate and improved liquidity.
Read articleFCNR-B Inflows to Add ₹11,000 Crore to Indian Bank Profits
Record FCNR-B inflows of USD 127.2 billion are expected to compress NIMs while contributing up to ₹11,000 crore to the banking sector's annual profit pool.
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