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      <news:publication_date>2026-10-12T03:31:10.748Z</news:publication_date>
      <news:title>IRDAI Shifts Focus to Actual Payout Ratios to Curb Mis-selling</news:title>
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    <loc>https://toolyt.com/pulse/technology/ai-msme-underwriting-human-oversight-nbfc</loc>
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      <news:publication_date>2026-10-12T03:30:48.188Z</news:publication_date>
      <news:title>Balancing AI Speed and Human Oversight in MSME Underwriting</news:title>
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    <loc>https://toolyt.com/pulse/banking/q2-banking-earnings-analysis-nims-contraction</loc>
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      <news:publication_date>2026-10-12T03:30:30.444Z</news:publication_date>
      <news:title>Indian Banks Face Margin Pressure Amidst Mixed Q2 Earnings Forecasts</news:title>
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    <loc>https://toolyt.com/pulse/insurance/non-life-insurance-h1-fy27-analysis</loc>
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      <news:publication_date>2026-10-11T03:31:04.136Z</news:publication_date>
      <news:title>Non-Life Insurance H1 FY27: Health Growth Offsets Agriculture Decline</news:title>
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    <loc>https://toolyt.com/pulse/nbfc/embedded-finance-vs-high-touch-nbfc-lending</loc>
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      <news:publication_date>2026-10-11T03:30:44.053Z</news:publication_date>
      <news:title>Embedded Finance vs. High-Touch Models in Indian NBFC Lending</news:title>
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    <loc>https://toolyt.com/pulse/banking/rbi-crr-maintenance-fcnrb-liquidity-surplus</loc>
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      <news:publication_date>2026-10-11T03:30:26.888Z</news:publication_date>
      <news:title>RBI Tightens CRR Maintenance to Absorb FCNR(B) Liquidity Surplus</news:title>
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