The Shift in Credit Consumption: UPI vs Cards in the ₹2,000-5,000 Segment
Credit card volumes rose 28.1% as average transaction values fell 17.4%, signalling a shift toward low-ticket credit via RuPay-on-UPI and new merchant dynamics.
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 7 of 16
IRDAI Commission Caps: Navigating the 2% Credit-Life Limit
Proposed IRDAI commission caps of 2% for credit-life products will force a radical recalibration of fee-income models for Indian bancassurance and NBFC distribution arms.
Read articleSundaram Home Finance Targets Growth in Central Tamil Nadu
Sundaram Home Finance expands its physical footprint in Central Tamil Nadu to double disbursements in the emerging business segment, focusing on Tier-3 and Tier-4 markets.
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 articleIRDAI Commission Caps: Analyzing PBT Sensitivity for Lenders
New IRDAI reforms target insurance commission structures, creating significant PBT sensitivity for L&T Finance, Axis Bank, and leading NBFCs.
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 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 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 articleIRDAI Proposes Commission Clawbacks and Public Mis-selling Records
IRDAI's proposal to mandate commission clawbacks and public disclosure of sales malpractice marks a significant shift in Indian insurance distribution and compliance frameworks.
Read articleNBFC Outlook: Strong Demand and Asset Quality Amid Funding Pressure
NBFCs report robust loan demand and resilient asset quality despite potential funding cost increases, signaling a growth-focused H2 FY25 for Indian lenders.
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.