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
Private sector life insurers outpaced the broader market, recording a 12.07 percent growth in premium income in 2025
After nearly a decade, India’s bankruptcy law faces a moment of reckoning on haircuts, delays and credibility
On December 29, the central bank injected Rs 50,000 crore through OMO purchase of Government of India securities, in to the banking system.
The surge in CD issuances comes at a time when banks are grappling with sustained pressure on low-cost deposits.
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.
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.
Paper-based instruments such as cheques now represent just 2.4 percent of transaction value.
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.
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.
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.
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.
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.
During 2024-25, based on date of reporting by banks, the total number of frauds decreased. However, the amount involved in frauds increased.
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).
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.
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.
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
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
The age of cashless convenience is over. The coming year will test who really owns India’s payment rails.
PNB News: The Reserve Bank of India, in October 2021, superseded the boards of SIFL and its wholly-owned subsidiary SEFL
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.
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
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.
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.
