UCO 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.
Read articleRBI Approves LIC Stake Increase in ICICI Bank to 9.99%
The RBI has granted LIC approval to acquire up to a 9.99% stake in ICICI Bank, signaling deeper institutional capital concentration in India's BFSI sector.
Read articleIndian Banks Commit ₹24,000 Crore for Renewable Energy Acquisition
Indian banks commit ₹24,000 crore to Aditya Birla Group for a major renewable energy acquisition, marking a shift toward aggressive corporate lending strategies.
Read articleFCNR Inflows and the Outlook for Domestic Deposit Rates
A record ₹9.7 lakh crore liquidity surplus from FCNR(B) inflows may finally cool the aggressive competition for domestic deposits among Indian private lenders.
Read articleFresh Lending Rates Ease as Banks Manage Margin Pressures
Analysis of the divergence between easing fresh lending rates and rising MCLRs, signaling a shift in the pricing cycle for Indian banks and NBFCs.
Read articleBank of Baroda Local Language Recruitment: Impact on Field Sales
Bank of Baroda initiates a 2,482-officer recruitment drive across 20 states to address language barriers in frontline banking operations and customer service.
Read articleMid-Sized Private Banks Outpace Tier-1 Peers in NII Growth
Mid-sized private banks achieve 15-30% NII growth by pivoting to gold and commercial lending, significantly outperforming larger peers facing margin compression.
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