RBI injects Rs 50,000 crore durable liquidity in banking system via OMO purchases
Currently, the banking system is estimated to be in surplus of around Rs 49,702.30 crore as on January 4, as per RBI data.
IRDAI likely working on commission cap rules, draft norms expected in 4 months
Insurers, intermediaries asked to brace for tighter oversight on payouts after Insurance Act amendments
Rupee trades 6 paise down as dollar index climbs amid US-Venezuela tensions
The dollar index, which measures the greenback's strength against a basket of six major currencies, rose to 98.770 in the morning trade from the previous close of 98.424.
IndusInd Bank's two senior executives step down to pursue new opportunities
The bank’s head of customer management Rana Vikram Anand and head of wealth and para banking Anish Behl have stepped down, a statement said
Indian rupee in 2026: Bears may rest a bit, but cautious approach may stay
For 2026, experts expects USD/INR to consolidate in a broad 88-91.50 range, with markets closely tracking trade talks and capital movements.
OPINION | Vault Matters: Can RBI Gov Malhotra get the elephant out of the forest?
The year gone by was more like a honeymoon period for Sanjay Malhotra with inflation tamed and IndusInd Bank’s fraud not turning out to be a crisis for the banking sector. The joker in the pack was Rupee, which started behaving unpredictable towards the end of 2025. Coupled with uneasy growth trends, 2026 could prove to be a test year for the governor
New money rules from January 2026: 8th Pay Commission, tax rebates, loans against silver and more
India's financial landscape changes from January 2026 include tax rebates on incomes up to Rs 12 lakh, new ITR forms, 8th Pay Commission implementation, and changes in credit card benefits and banking rules.
Banks seen resilient even under severe stress; capital buffers remain adequate: RBI FSR
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.
India’s household debt rises above 41% of GDP, but resilience remains intact, shows RBI FSR
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.
Stablecoin market triples to $300 billion in 2 years, RBI flags risks to monetary sovereignty
Regulators warn that privately issued digital money could undermine trust, trigger runs and weaken monetary policy transmission
Banks’ derivatives portfolios show higher sensitivity to rate and currency shocks in Sept 2025: RBI FSR
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.
Insurers cut sovereign bond share to 59.7%, raise equity exposure to Rs 16.6 lakh crore
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
Indian equities lag EM peers in 2025 after five-year outperformance; DIIs cushion market volatility, shows RBI FSR
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.
RBI flags risk as few AI-linked stocks drive bulk of Asian market gains
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.
External risks, global shocks pose near-term challenges to Indian economy, shows RBI FSR
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.
Health insurance claims jump 11% YoY to Rs 94,248 crore in FY25, cashless settlements dominate
Cashless settlements accounted for 58 percent of claims by number and 66 percent by value, highlighting the growing preference for hassle-free claim processing
Year-ender | PSU banks stay ahead of private lenders on advances growth in 2025 as credit demand remains uneven
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.
India’s reinsurance market grows 11% to Rs 1.12 lakh crore in FY25
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
Health insurance drives non-life premium growth, contributes 41.4% of total premium in FY25
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
Life insurers’ commission payout rises 18% in FY25, outpaces premium growth
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
Only 17 of 25 life insurers complied with IRDAI expense norms in FY25
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
Life insurance penetration dips to 2.7% in FY25, overall penetration flat
Private sector life insurers outpaced the broader market, recording a 12.07 percent growth in premium income in 2025
Data Story | Big dreams, and bigger leverage fuel India’s small business loans
India’s small firms have greater access to formal credit but that should come with a warning against too much leverage.
RBI to purchase Rs 50,000 crore worth of G-sec via OMO Purchase auction on January 5
On December 29, the central bank injected Rs 50,000 crore through OMO purchase of Government of India securities, in to the banking system.
