BUSINESS
Bank lending to NBFCs has dried up this year; can CRR cut turn the tide?
NBFC funding by banks may not pick up in the foreseeable future despite the liquidity infusion
BUSINESS
Banking Central | Why doves may have a greater say than hawks in Feb MPC meet
The November retail inflation number has made a compelling case for a rate cut in the February monetary policy review
BUSINESS
Will the RBI, under Malhotra, have a rethink on crypto?
The RBI and the government will be making a mistake by ignoring the latest WazirX episode in the Indian crypto market. It signals a larger problem of safety of transactions and lack of security for investor money.
BUSINESS
Moneycontrol Pro Panorama | Trial by fire awaits new RBI governor
For December 11 edition of Moneycontrol Pro Panorama: Banks turn cautious but agriculture loans set to rise, real estate majors flock Mumbai’s redevelopment market, questions on climate finance needs reframing, how Shaktikanta Das would be remembered, and more
BUSINESS
Chart of the Day | Even as banks turn cautious, collateral-free agriculture loans set to increase
Bank lending to agriculture segment grew by just 6.5 percent between March 2024 and October 18 compared with 10.6 percent in the comparable year-ago period as banks slowed lending
BUSINESS
Why the 50 bps CRR cut may not move the needle
If banks don’t respond to the CRR cut by passing on the excess liquidity to the borrowers through cheaper loans, the ball will be back in the RBI’s court to offer a growth stimulus post the disappointing Q2 numbers.
BUSINESS
Shaktikanta Das era ends at Mint Road — RBI governor for all seasons
Das’s six years in office saw him steering monetary policy through a pandemic bringing the world down to its knees, a banking crisis roiling the world's largest economy, two major wars and raging inflation.
BUSINESS
Banking Central | If RBI survey holds a clue, MPC is in for a long battle against inflation
Compared to September 2024 round of the survey, somewhat larger share of respondents expects the year ahead price and inflation to increase, mainly due to higher pressures from food items and housing related expenses
BUSINESS
How the MPC just dodged a curve ball on a sticky wicket
A 50 bps CRR cut, and rates on hold is a safe play for the MPC, caught in a growth-inflation conundrum, at this point.
BUSINESS
Moneycontrol Pro Panorama| Rising rate cut calls & winds of reform in India’s financial sector
For December 4 edition of Moneycontrol Pro Panorama: A crucial Banking Law Amendment Bill was passed yesterday, the MPC is starting a critical policy review meeting today, and just a few days ago the insurance sector got a proposal from the government to get more foreign funds.
BUSINESS
Chart of the Day: How GDP, inflation numbers responded to RBI rate actions over years
RBI has been struggling to find the right balance in terms of rate actions. Data suggests growth has taken a hit whenever RBI held rates high for too long
BUSINESS
A CRR cut is more probable this week than a rate cut
The RBI now has a ‘growth’ problem rather than an ‘inflation problem’. It cannot ignore the growth slowdown. At the same time, the MPC needs to time the rate cut carefully
BUSINESS
Banking Central | Microlenders, grow slow, grow steady!
The microfinance industry is likely to face a tough phase in terms of growth and recoveries in 2025 but that is still better compared with a repeat of 2010 crisis triggered by bad lending practices
BUSINESS
Moneycontrol Pro Panorama | The many worries of Shaktikanta Das ahead of MPC December meet
In this November 28 edition of Moneycontrol Pro Panorama: WTO turns to AI to regains its lost glory, Chrome's dominance is unchallenged, fake note trends revealled by RBI data, Sambhal-like incidents put India's security at risk, and more
BUSINESS
Chart of the Day | What RBI data tell us on trend in fake notes over last 5 years
The sharp jump in fake 500-rupee currency notes came in the year 2021-2022 when the number doubled to 79669 mpcs from 39453 mpcs in the previous fiscal year
BUSINESS
What the latest IBC data tell us on recovery rates
Recovery rate from IBC deals kept falling as delayed resolutions proved costly.
BUSINESS
A central banker's dilemma: To talk or nor not to talk!
Patra’s speech, in a way, reflected the ongoing dilemma within the RBI top brass on how to manage the communication part of the monetary policy at a time when the policymakers themselves aren’t sure of the point of a rate pivot
ECONOMY
Banking Central | Will rate-setters blink in monetary policy meet next month?
The clamour for a rate cut is rising. Will the MPC blink as the rate-setting panel gears up for the next review of the monetary policy from December 4 to 6?
BUSINESS
Is RBI turning too conservative on credit risk amid growth worries?
Stifling credit growth in the name of risk management is akin to throwing the baby with the bathwater. Government has sent the right message.
BUSINESS
PSBs are doing fine on efficiency, but need to improve customer experience
PSBs have improved efficiency but often lack in providing good customer experience. A big reason is inadequate number of employees to manage the huge customer base.
ECONOMY-2
Banking Central | And, MPC has a perfect case to defer rate cuts beyond December
The latest inflation numbers cast doubt on the MPC’s rate-cutting plans. The committee may have to wait longer to lower the rates
BUSINESS
Moneycontrol Pro Panorama | Time for MPC to move on from inflation obsession?
In this November 13 Moneycontrol Pro Panorama edition: Trump policy may hurt India's interest rate outlook, what G20 summit in Rio de Janeiro holds, markets under pressure as yields rise and earnings slowdown, climate threat to Kashmir’s cash crops, and more
BUSINESS
Chart of the Day | SBI's asset quality has improved despite a tricky loan market
SBI is often seen as a proxy of India’s banking sector and broader economy. Hence, the trends seen in SBI’s balance sheet are a reflection of the overall health of the economy
BUSINESS
Bank NPAs are down, but watch the SMA-2 loans closely
A look at the second quarter results of banks suggests that there has been a rise in the special mention category-2 loans (SMA) of some large banks. These can be tricky for the lenders if things don’t go according to plan.
