Banking Central

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.

Banking Central| The RBI’s rate cut bonanza: What next for banks?

The RBI’s bold rate and CRR cuts unleash a growth bonanza but can banks turn liquidity into profitable credit? Structural hurdles loom large

Banking Central | What does Kotak Mahindra Bank’s leadership transition signal to investors?

Ekambaram, after three decades at the bank, will step down this year. Paritosh Kashyap will assume a new role in the bank.

Banking Central| Five ways Indian banks can tackle rising frauds

The surge in H1 FY25 reflects a worrying trend: digital frauds, fuelled by social engineering and mule accounts, are outpacing banks’ defences.

Banking Central | Inflation at 6-year low is an opportunity for RBI to give growth another push

If not for the 11% drop in vegetable prices, inflation would hover closer to 4.1%. The RBI will have this in mind when it meets in early June

Banking Central | How critical is RBI group's proposal to extend trade timings?

Extended trading hours and synchronised settlements aim to boost liquidity and global alignment

Banking Central | New India Bank scam is yet another reminder of the rot in India’s co-operative banks

Co-operative banks were to be the financial backbone for small depositors — shopkeepers, pensioners, and salaried workers who trusted these institutions with their life savings

Banking Central: Deposit rates slashed — savers hit as banks move in to protect margins

This is not just about banks 'adjusting' to RBI’s recent 25 basis point repo rate cut, it’s a desperate bid to protect their thinning margins

Banking Central | What worked, what didn’t for investors in FY25 and what it means for FY26

Investors who spread their capital across diverse instruments were the ones who weathered the storm. As Trump tariffs tear apart global order and markets, FY25 may have some lessons to offer

Banking Central | Why another RBI rate cut is inevitable on April 9

The time for half-measures is over, and the RBI must decisively embrace a dovish stance and cut rates further, not only to alleviate the credit crunch but to send a strong signal that growth is the new priority.

Banking Central | Who is right on bank staff vacancies — the government or unions?

The government say PSBs employees have increased from 6.18 lakh in 2011 to 7.58 lakh, as of January 2025. Employee unions, however, say staff numbers are down and workload has zoomed

Banking Central |How far could the RBI go on the liquidity mission?

A fresh surge in liquidity could stoke inflationary pressures, undoing the RBI’s hard-won price stability

Banking Central | India needs a much higher deposit insurance for its bank customers

The insurance framework should have a higher coverage threshold, a risk-based premium structure and a mechanism to ensure swift payouts in case of bank failures

Banking Central | Another co-op bank bites the dust, it's the same story all over again

The RBI has been cracking down on erring co-operative banks but the underlying problems, especially governance, persist

Banking Central | Will rate and tax cuts deliver the promised consumption boost?

A 25 bps rate cut alone is unlikely to significantly reduce EMIs—translating to mere hundreds of rupees in savings for most borrowers.

Banking Central| Slower loan growth, rising stress: What do bank earnings tell us about state of economy?

Banks may see slower credit growth and face pressure on interest margins.

Banking Central | Why Kerala revenue recovery law tweak leaves banks worried

The amendment to the Kerala Revenue Recovery Act, 1968, will allow the state to intervene in the recovery process. It lets the defaulter to either take back the attached property or sell to repay banks

Banking Central | NBFCs may have to live with slower growth in new year

As the smaller NBFCs fail to raise money from the bond market at attractive rates, they are left with only two options - either shrink their credit growth or borrow at a higher rate from banks