Banks Signal Liquidity Caution in RBI 10-Day VRRR Auction
Indian banks show a distinct preference for shorter maturities as the RBI’s 10-day Variable Rate Reverse Repo (VRRR) auction sees low participation.
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 4 of 16
IRDAI Commission Caps: Analyzing the April 2027 Implementation Timeline
New IRDAI rules on commission and expense management are expected by April 2027, offering insurers a strategic window to recalibrate distribution and incentive structures.
Read articlePrivate Banks Lead Repo Rate Transmission with 91% EBLR Linkage
Private banks face faster margin repricing than PSU peers as 91% of floating-rate loans align with EBLR following the RBI’s 25 bps repo rate hike.
Read articleUPI MDR Compliance: Enforcing the Posted Price Mandate
Banks must ensure merchants do not pass Merchant Discount Rate (MDR) costs to consumers, maintaining the integrity of UPI's 'posted price' framework for retail payments.
Read articleIBAI Warns of 70% Revenue Hit to Corporate Insurance Broking
The Insurance Brokers Association of India warns that proposed commission caps could severely impact corporate broking revenue and revive informal shadow payout structures.
Read articleRBI 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.
Read articleRBI 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 articleBrokers Oppose IRDAI Reform on Tiered Commission Structures
The Insurance Brokers Association of India contests proposed rules linking commissions to product complexity, potentially reshaping distribution economics for insurers.
Read articleNBFC Gold Loans Surge 69.1% as Retail Credit Reaches ₹60.64 Lakh Crore
RBI data shows a 69.1% surge in NBFC gold loans and 15.8% overall credit growth, signaling a strategic shift toward secured retail assets in the Indian non-bank sector.
Read articleKotak Mahindra Bank AI Training: Reimagining SME Credit Resilience
Kotak Mahindra Bank is partnering with IITs to train SME promoters in AI-native models, shifting from traditional lending to ecosystem enablement for portfolio resilience.
Read articleAnalyzing the Surge in Loans Against FCNR(B) Deposits
Indian banks are utilizing RBI's FCNR(B) special facility to offer multi-fold leverage, impacting credit-to-deposit ratios and treasury risk management strategies.
Read articleGLCs Seek Tier I Capital Parity with Broader NBFC Sector
Gold Loan Companies are lobbying the RBI to align Tier I capital requirements with other NBFCs, potentially lowering the threshold from 12% to 10% to optimize growth capital.
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.