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With NPAs at multi-decade lows, lenders have earned bragging rights. The next test is whether this improvement survives a tougher credit cycle.
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Bank Holiday Today: According to the Reserve Bank of India's (RBI) holiday calendar, bank holidays during the month differ from state to state.
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Even under stress, none of the banks is expected to breach the minimum regulatory CRAR requirement of 9 percent, though two banks may need to dip into the capital conservation buffer (CCB) under adverse scenario 1 and four banks under adverse scenario 2, in the absence of fresh capital infusion.
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Personal loans formed 22.3 percent of consumption-purpose loans as of end-September 2025. The risk-tier migration matrix for personal loans reveals greater stability in borrower profiles during September 2024-2025 compared to the previous year.
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Regulators warn that privately issued digital money could undermine trust, trigger runs and weaken monetary policy transmission
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As per the stress test results, a rise in domestic interest rates resulted in a positive MTM impact of 5.9 per cent of total capital in September 2025, compared with 3.8 per cent in March 2025. Conversely, a fall in interest rates led to a sharper negative impact of 5.8 per cent in September 2025, up from 0.7 per cent in March.
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Within insurers’ portfolios, the share of G-Secs declined marginally to 39.5 percent from 40.3 percent, while SGS fell to 20.2 percent from 21.4 percent
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The stability of Indian equity markets has been underpinned by strong and persistent demand from domestic institutional investors (DIIs). Their ownership of Indian equities has surpassed that of foreign investors and continues to rise, according to the RBI.
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Data show that a very small number of stocks are contributing to 50 per cent of YTD index returns across key markets, reflecting a rising concentration risks. In the US, just seven stocks account for half of the S&P 500’s returns, while six stocks do so in Hong Kong. The concentration is even more pronounced in some Asian markets, with only two stocks driving half of the returns in South Korea, and a single stock accounting for 50 per cent of the gains in Taiwan.
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A sudden and sharp correction in the US equity markets could spill over into Indian equities, hurting investor confidence and household wealth. This, in turn, could trigger foreign portfolio outflows and lead to tighter domestic financial conditions, report added.
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Cashless settlements accounted for 58 percent of claims by number and 66 percent by value, highlighting the growing preference for hassle-free claim processing
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Credit growth has consistently remained above 10 percent in recent months, indicating stable demand conditions and continued flow of credit to productive sectors of the economy.
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Bank Holidays in 2026: As per the RBI schedule, the total number of bank holidays in 2026 will differ from state to state and city to city.
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During FY25, the gross reinsurance premium written by Indian reinsurers and FRBs stood at Rs 69,228.64 crore. Of this, domestic business continued to dominate, accounting for nearly 85 percent of the total, while foreign business contributed the remaining share
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Among various segments under the non-life insurance business, health insurance remained the largest contributor with a share of 41.42% of the total premium in 2024-25, up from 40.29% in FY24
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The total commission outgo rose 18 percent year-on-year in 2024–25, significantly outpacing the 6.73 percent growth recorded in total premiums during the same period
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During FY25, the life insurance industry reported gross expenses of management of Rs 1.38 lakh crore, accounting for 15.60 percent of total gross premium
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Private sector life insurers outpaced the broader market, recording a 12.07 percent growth in premium income in 2025
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After nearly a decade, India’s bankruptcy law faces a moment of reckoning on haircuts, delays and credibility
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On December 29, the central bank injected Rs 50,000 crore through OMO purchase of Government of India securities, in to the banking system.
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The surge in CD issuances comes at a time when banks are grappling with sustained pressure on low-cost deposits.
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Public sector financial institutions continued to dominate the bond market in 2025. The top five issuers during the year were National Bank for Agriculture & Rural Development (NABARD) raising Rs 65,465 crore, Power Finance Corporation (PFC) raising Rs 49,101 crore, REC Ltd raising Rs 40,399.5 crore, Bajaj Finance Ltd raising Rs 31,207.9 crore, and Indian Railway Finance Corporation (IRFC) raising Rs 28,761.65 crore, data showed.
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The underwriting commission (excluding GST) fell to Rs 14.5 crore in FY25 from Rs 43.1 crore in FY24, as the average commission rate dropped sharply to 0.1 paise per Rs 100, compared with 0.3 paise per Rs 100 a year ago.
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Paper-based instruments such as cheques now represent just 2.4 percent of transaction value.
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Total gross advances by NBFCs rose to Rs 48.39 lakh crore at end-March 2025 from Rs 40.53 lakh crore a year ago.
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During 2024-25, schedule commercial banks added Rs 2.26 lakh crore of fresh NPAs, but reductions exceeded additions, led by recoveries, upgradations and write-offs totalling Rs 2.75 lakh crore. Write-offs accounted for the largest portion of reductions at Rs 1.58 lakh crore, followed by recoveries of nearly Rs 67,693 crore.
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The consolidated balance sheet of scheduled commercial banks (SCBs) (excluding RRBs) increased by 11.2 per cent during 2024-25 as compared with 15.5 per cent during 2023-24.
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As of end-March 2025, the number of foreign banks operating in India through branches or wholly-owned subsidiary mode declined to 44, following the exit of one bank during the year, the RBI report said.
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The Offices of the RBI Ombudsman (ORBIOs) received about 29.6 lakh complaints during 2024-25, marking an increase of 0.8 percent over the previous year. A majority of these complaints originated from metropolitan and urban centres.
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During 2024-25, based on date of reporting by banks, the total number of frauds decreased. However, the amount involved in frauds increased.
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During 2024-25, the number of cases referred for resolution decreased under the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act and Insolvency and Bankruptcy Code (IBC).
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Looking ahead, experts believe bond yields in 2026 will be influenced less by domestic rate actions and more by global trends and fiscal dynamics at home. Additionally, bond market will also look out for government borrowing numbers in the Union Budget and its tenure, and also fiscal deficit target. These factors will also shape up the bond yield in the coming months, experts said.
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On December 23, the RBI had announced additional measures such as conduct of Open Market Operation (OMO) purchase of governments securities and USD/INR Buy/Sell swap auction to inject durable liquidity to the banking system after review of current liquidity and financial conditions.
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Industry officials familiar with the matter say the government is still at a preliminary assessment stage, with no formal execution plan or timeline in place
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During an exclusive email interaction with Moneycontrol, the MD and CEO said she said the company is taking a calibrated approach alongside industry-wide discussions with distributors, while focusing beyond cost optimisation to improve profitability
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The age of cashless convenience is over. The coming year will test who really owns India’s payment rails.
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PNB News: The Reserve Bank of India, in October 2021, superseded the boards of SIFL and its wholly-owned subsidiary SEFL
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The decline in the weighted average lending rate on fresh and outstanding rupee loans was higher in the case of private banks relative to public sector banks after the cumulative 100 bps rate cut by RBI. On the deposit side, transmission was higher for public sector banks compared to private banks in case of fresh term deposits.
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Despite outlining one of its most expansive reform blueprints, only select regulatory measures have seen progress this year, with the bigger overhauls held back by statutory delays, ecosystem gaps and uneven insurer preparedness
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In 2025, the central bank has cumulatively cut the repo rate by 125 basis points (Bps) taking the repo rate to 5.25 percent, from 6.50 percent at the start of the year.
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We are working with development financial institutions for that. Post the merger with Caspian, we are in a unique space where everybody wants to fund. They have done in the past with financial inclusion for instance. Our next biggest segment will be focusing on climate finance, said Bansal.
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After a bruising phase of stress and slowdown, microfinance heads into 2026 seeking balance between growth and discipline
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The near leg or spot leg is on January 15, 2026, and the far leg is on January 16, 2026.
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On December 23, the RBI announced that it will conduct Rs 2 lakh crore OMO purchase auctions of Government of India securities in four tranches, and USD/INR Buy/Sell Swap auction of $10 billion for a tenor of 3 years. Majority of the auctions will be held in January, except one OMO purchase which is scheduled on December 29, 2025.
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Given my understanding of the evolution of “underlying” inflation over the next few quarter, in the backdrop of the forecast headline inflation, there remains a concern that prices might be less than optimal for stable economic growth, Bhattacharya said.
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The push comes at a time when India’s M&A deal environment is showing a good amount of deals. Emirates NBD acquiring a 60% stake in RBL Bank, JSW Paints acquiring 75% stake in Akzo Nobel India, Torrent Pharmaceuticals buying JB Chemicals & Pharmaceuticals, and ONGC NTPC Green buying full stake in Ayana Renewable Power Pvt Ltd are examples.
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From marquee exits by foreign insurers to private equity investments in distribution and broking firms, the sector is rapidly evolving
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During this transformative shift, the banking system shall continue to to be the primary conduit for credit transmission and liquidity support
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Gupta is ready with the roadmap to scale into an Rs 8,000–10,000 crore SFB within three years of operations, he tells Moneycontrol how he plans to do that
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Risk-based deposit insurance aligns premiums with behaviour. Its success now depends on whether Indian banks and their boards are prepared to accept accountability rather than rely on systemic cushioning. Over time, it could become the foundation for a banking system where trust is earned through conduct, not assumed through regulation
