Banking Central

Banking Central | For MPC, a pause makes more sense than a move

With the US-Israel war on Iran disrupting oil and gas flows and likely upsetting the inflation outlook, the MPC begins its April review with external factors weighing on macro picture

Banking Central | RBI has a message for payments industry

The RBI’s proposed blueprint, which includes strengthening of anti-fraud measures, indicates deeper regulatory changes are on the way

Banking Central | What does RBI's new dividend rule mean for investors

By linking payouts to capital strength and asset quality, the central bank is nudging banks towards discipline; that’s a good change

Banking Central | Digital banking frauds are rising. How do we stem the tide?

Everyone from senior citizens to well-educated youth are losing money. What is missing here?

Banking Central | MPC is right in holding fire for now but must prepare to move

With inflation benign and growth firming up, the February MPC minutes show a central bank choosing patience over posturing. That caution is wise, for now

Banking Central | RBI pause is less about inflation and more about trust in the cycle

The message from the central bank is clear — the quality of growth matters as much as the pace

Banking Central | How Budget’s banking agenda can reshape credit, institutions and markets

For the banking sector, Budget 2026 is not about short-term giveaways. It lays the ground for institutional strength, greater inclusivity and the foundation of a more resilient and market-oriented financial system

Banking Central | Has bank recapitalisation run its course?

After a decade of state support, Budget 2026 must decide whether PSBs still need the taxpayer’s shoulder

Banking Central | Why small savings rates are holding back India’s banks

Indian banks have moved past the era of stress. Their main challenge today isn’t lending—it’s mobilising deposits in a system distorted by small savings schemes.

Banking Central | Why the real rate war is on liability side of bank balance sheets

Even after RBI cut the repo rate by a cumulative 125 basis points since February last year, banks have found it difficult to mobilise deposits at a speed that matches credit demand

Banking Central | How will payments reshape in the new year?

The age of cashless convenience is over. The coming year will test who really owns India’s payment rails.

Banking Central | Will 2026 be a happy new year for India's crypto investor?

Despite regulatory scepticism, crypto still wants India and Indians want crypto. 2026 will test how this relationship shapes

Banking Central | 2025: The year that wasn’t for Indian banking

The year 2025 was to be the year of fireworks for Indian banking but it is winding up on a staid note with several unresolved issues carried into the new year

Banking Central | Thali cools, but RBI’s inflation battle is far from over

For a country where inflation is measured first in tomatoes and onions and only later in spreadsheets, this counts as genuine relief.

Banking Central | What does UPI surge mean for Indian payments system?

UPI’s future hinges on whether policymakers allow it to stand on viable economic legs

Banking Central | What the 2025 gold price surge means for Indian lenders

Higher metal prices raise the marked-to-market value of pledged jewellery, improving loan-to-value (LTV) cushions for the same quantum of lending

Banking Central | RBI's digital innovation: Laudable moves but caution is a must

The Unified Lending Interface paves the way for a blockchain powered financial future but the RBI will need the guardrails in place to thwart threat actors who are always a step ahead

Banking Central | Why it is a win-win for PSBs and NBFCs to join hands in MSME lending

Entering in pact with NBFCs can help banks expand reach but with necessary checks

Banking Central | Mint Road is upgrading its tech, that is a good change

From data empowerment to digital platforms, the central bank is not just regulating but demonstrating how technology must shape the future of Indian finance

Banking Central | Lessons from Chinese meltdown for Indian banks

India's banking landscape, while distinct, shares some parallels with China's, especially in exposure to credit cycles and non-performing assets.

Banking Central | What does New India Coop Bank's case tell us about state of industry

The latest misappropriation scandal is a reminder that India’s cooperative banks remain captive to weak governance and political patronage. The cracks run deep.

Banking Central | RBI's AI ambition: Innovation yes, but not at the cost of chaos

The RBI must address the unions' stark warnings or it risks amplifying inequalities and eroding public trust

Banking Central | How to tackle rising frauds in India's banking sector

With frauds soaring to Rs 36,014 crore in 2024-25, the RBI’s latest data paints a grim picture of systemic cracks. Time for tougher oversight and accountability.

Banking Central | RBI sounds the climate alarm. Are the banks listening?

The RBI’s Financial Stability Report flags climate shocks as a growing threat to financial stability and urges banks to be ready for physical and transition risks that could disrupt the system. The industry must take note

Banking Central| RBI relief on project finance loans is a good step

RBI’s new project finance rules ease banking fears but demand sharper discipline.