RBI Mandates Interoperability for Account Aggregators
The RBI’s move to enable AA interoperability and integrate bank deposits with demat CAS will streamline digital onboarding and credit underwriting for Indian lenders.
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RBI Mandates Account Aggregator Interoperability for Lenders
The RBI has enabled Account Aggregator interoperability to streamline consent-based data sharing, accelerating credit assessment and risk profiling for Indian financial institutions.
Read articleRBI Grants Core Investment Company Status to Indiabulls
Indiabulls receives RBI registration as a Core Investment Company, signaling a shift toward group-level capital allocation and structural deleveraging for the NBFC group.
Read articleRBI Bulk Deposit Disclosure Norms: Impact on Bank Funding Costs
New RBI disclosure norms for bulk deposits eliminate preferential pricing, forcing Indian banks to shift toward uniform rate structures and recalibrate liquidity strategies.
Read articleRBI Streamlines Institutional Shareholding Approvals for Banks
The RBI has introduced a one-time approval route for MFs, insurers, and pension funds to acquire up to 10% stake in banks, reducing repeat filing requirements.
Read articleRBI Forex Swaps: Lowering Corporate Funding Costs via Hybrid Structures
Indian banks are leveraging RBI forex swaps to offer hybrid dollar-rupee funding, significantly reducing interest costs for corporate borrowers compared to traditional NCDs.
Read articleRBI Data: Medium Industry Credit Grows 32% as Industrial Lending Surges
Bank credit to industry rose 18% in August, led by a 32% jump in medium-industry lending. This shift signals a pivot toward mid-market MSME portfolios for Indian lenders.
Read articleRBI Regulatory Deadlines for Upper Layer NBFC Listing Compliance
The RBI awaits a formal response from Tata Sons regarding its Upper Layer NBFC listing timeline, signaling strict enforcement of Scale Based Regulation for large shadow banks.
Read articleRBI Bulletin: Credit Creation May Not Be Constrained by Deposits
The RBI challenges the 'deposit-first' lending model, suggesting credit creation can precede liability mobilisation in a modern, digital banking ecosystem.
Read articleRBI 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 articleRBI Signals Shift: Tech Risk as First-Order Enterprise Risk
RBI Deputy Governor Jain mandates elevating technology risk to the Board level, impacting how Indian lenders manage onboarding, credit, and regulatory reporting systems.
Read articleRBI Finalises Basel III Market Risk Capital Framework for Banks
RBI issues final directions on Basel III market risk capital, allowing banks to exclude specific structural foreign currency positions from Net Open Position calculations.
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 Extends Overseas KYC Certification for FPIs
The RBI now allows overseas banks and notaries to certify KYC documents for FPIs, reducing friction in cross-border onboarding for Indian financial institutions.
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 articleRBI Evaluates Systemic Risks in NBFC Revolving Credit Facilities
The RBI is conducting a dual-level risk assessment on revolving credit, signaling potential regulatory tightening for NBFC unsecured lending and liquidity frameworks.
Read articleRBI Proposes New Framework for Digital Payment Authentication
The central bank moves beyond SMS OTP with a principle-based authentication framework.
Read articleRBI Warns NBFCs: Concerns Over FLDG Model in Loan Disbursement
First Loss Default Guarantee arrangements draw regulatory scrutiny across digital lending.
Read articleRBI Red Flags NBFC Consumer Credit: Implications and Future Outlook
Rising unsecured consumer credit prompts tighter risk weights and portfolio discipline.
Read articleRBI's New Repository: Regulating Digital Lending Apps and Protecting Consumers
A public repository of digital lending apps aims to separate regulated players from rogue ones.
Read articleRBI's New Guidelines on Credit Information Reporting: Key Highlights
Fortnightly credit bureau reporting changes what lenders see and how fast they see it.
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