RBI Forex Reserve Mandates: Impact on Private vs PSU Bank PBT
New RBI forex reserve mandates are projected to impact private bank PBT by up to 9%, significantly higher than the 5% forecasted for PSU lenders.
Read articleRegulation, risk and field execution - decoded weekly.
RBI and IRDAI analysis, lending research and technology explainers for the teams running distribution on the ground.
The archive - page 3 of 16
IRDAI Signals Extended Timeline for Insurance Distribution Reforms
IRDAI may extend feedback deadlines and implementation dates for distribution reforms, allowing insurers more time to recalibrate commission structures and agency agreements.
Read articleNBFCs Pivot to Agentic AI with Human-in-the-Loop Risk Controls
Industry leaders at ETBFSI confirm that while AI will automate more lending operations, human oversight remains mandatory for credit risk and regulatory compliance.
Read articleBanks Seek Clarity on RBI Foreign Exchange Risk Reserve Guidelines
Indian banks are requesting operational guidelines for the new Foreign Exchange Risk Reserve (FERR) to manage capital lock-in requirements on derivative contracts.
Read articleIRDAI Shifts Focus to Actual Payout Ratios to Curb Mis-selling
IRDAI is pivoting from Claim Settlement Ratios to Actual Payout Ratios, signaling a major shift in how Indian insurers must track sales compliance and product transparency.
Read articleBalancing AI Speed and Human Oversight in MSME Underwriting
NBFC leaders at ETBFSI Retreat 2026 highlight how AI structures unorganised MSME data while maintaining human-in-the-loop protocols for risk management.
Read articleIndian Banks Face Margin Pressure Amidst Mixed Q2 Earnings Forecasts
Top Indian lenders face contracting Net Interest Margins in Q2 despite projected PAT growth of 7-17%, signaling a shift toward operational efficiency and cost optimization.
Read articleNon-Life Insurance H1 FY27: Health Growth Offsets Agriculture Decline
Non-life premiums grew 8.92% in H1 FY27, driven by a 24.5% surge in health insurance while agriculture premiums fell by 23%, forcing a strategic shift in distribution.
Read articleEmbedded Finance vs. High-Touch Models in Indian NBFC Lending
NBFC leaders identify a strategic divide: embedded finance will drive micro-credit access, while housing finance remains dependent on high-touch physical distribution models.
Read articleRBI Tightens CRR Maintenance to Absorb FCNR(B) Liquidity Surplus
The RBI has increased minimum daily CRR maintenance to manage a $133 billion liquidity surplus from FCNR(B) deposits, impacting bank treasury and NIM strategies.
Read articleIRDAI Accelerated Commission Caps: Impact on Insurance Distribution
IRDAI reportedly considers a January 2025 rollout for insurance commission caps, forcing insurers to overhaul distribution costs and incentive structures mid-fiscal year.
Read articleNBFCs Shift AI Strategy from Process Automation to ROI Benchmarks
Indian NBFC leaders are pivoting AI investments toward measurable returns in credit decisioning and collections, moving beyond simple workflow automation.
Read articleTurn market intelligence into field execution
See how regulated businesses move from a policy change to a live field workflow in days, not quarters.