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  • OPINION | Vault matters: Who's to be blamed for steep healthcare cost inflation? 

    Healthcare costs have inflated in double digits post-pandemic, showing no sign of easing. Meanwhile, private equity and venture capital investments in India’s hospital landscape have touched around $15 billion since FY20. Is the changing capital structure of the healthcare business resulting in higher costs? 

  • India’s fintech revolution has expanded access to credit: FM Sitharaman

    India’s fintech revolution has expanded access to credit: FM Sitharaman

    Finance Minister Nirmala Sitharaman highlighted fintech’s role in financial inclusion and digitising credit access, while also emphasising India’s self-funded green transition amid global energy challenges.

  • SMS alerts for transactions below Rs100 to be waived off? Here's what we know so far

    SMS alerts for transactions below Rs100 to be waived off? Here's what we know so far

    Lenders seek to reduce notification clutter for customers as small-value UPI transactions surge; proposal aims to prevent alert fatigue and missed major transaction messages.

  • RBI’s big liberalisation push for banks and foreign loans spells much growth and some caution

    RBI’s big liberalisation push for banks and foreign loans spells much growth and some caution

    Latha Venkatesh assesses central bank's recent regulatory reforms

  • OPINION | Acquisition Financing: RBI should keep prudence at the heart of reform 

    OPINION | Acquisition Financing: RBI should keep prudence at the heart of reform 

    Allowing Indian banks to fund corporate acquisitions introduces opportunities but also unfamiliar risks - ones most are neither structured nor seasoned to manage. What is framed as financial modernisation must be guided by the same prudence that has long defined India’s banking stability under RBI’s stewardship

  • Tepid loan demand, compressed margins to drag banks' Q2 results

    Tepid loan demand, compressed margins to drag banks' Q2 results

    Jefferies estimates profits of large banks will fall 12% year-on-year, after posting an 8% growth in the year-ago quarter and a marginal 2% growth in the June quarter

  • OPINION | Risk-based premium for deposit insurance provides banks with the right set of incentives

    OPINION | Risk-based premium for deposit insurance provides banks with the right set of incentives

    The move will reward safer banks with lower insurance cost and, thereby, foster a more robust banking system. On the flipside, increased cost burden on weaker banks may also make it harder for them to compete

  • OPINION | RBI's October 2025 Policy Shift: Bold regulatory reforms for a resilient future

    OPINION | RBI's October 2025 Policy Shift: Bold regulatory reforms for a resilient future

    The RBI’s October 2025 policy overhaul focuses on price stability, strengthened Basel norms, AI regulation, and revamped credit frameworks. This shift aims to enhance financial resilience, encourage innovation, and sustain growth

  • The populist shadow hanging over central banks and QE

    The populist shadow hanging over central banks and QE

    The massive bond purchases are being unwound at a time of fierce political criticism of the monetary authorities. The controversy could limit options in future crises

  • Will banking stocks react to a tepid Q2 FY26?

    Will banking stocks react to a tepid Q2 FY26?

    A pick-up in demand, along with fiscal and monetary measures, to support credit growth

  • OPINION | Vault Matters: Big-ticket corporate loans return, but stress lurks

    OPINION | Vault Matters: Big-ticket corporate loans return, but stress lurks

    With India Inc’s financial health at its best and loan growth remaining anemic despite efforts, the regulatory nudge towards big-ticket corporate loans is understandable. But who will lend in this cycle and more importantly, what happens to cautious lending are key questions ahead of the sector.

  • OPINION | There’s a window of opportunity now for a repo rate cut

    OPINION | There’s a window of opportunity now for a repo rate cut

    Inflation’s low but urban consumption is tepid, investment cycle is yet to pick up and geopolitical uncertainty is a dampener. Fiscal support’s come through GST rate adjustments. Monetary policy needs to complement it

  • Financial institutions must maintain strong balance sheet to fund infra investments: Sitharaman

    Financial institutions must maintain strong balance sheet to fund infra investments: Sitharaman

    Sitharaman said state-owned banks need to engage proactively with NBFCs on co-lending for priority sector lending to enhance credit flow to the underserved sectors

  • Will RBI focus on liquidity over rate cuts next week?

    Will RBI focus on liquidity over rate cuts next week?

    India's banking system faces a severe liquidity shortage ahead of the RBI policy meet, prompting emergency ₹1.5 lakh crore injections as overnight rates surge above the repo rate

  • Banks staring at a valuation reset as slippages rise, margins shrink: Aequitas’ Siddhartha Bhaiya

    Banks staring at a valuation reset as slippages rise, margins shrink: Aequitas’ Siddhartha Bhaiya

    Slippages across banks have risen 26% on-year to Rs 63,000 crore, with private banks recording a sharper 41% rise, said Siddhartha Bhaiya of Aequitas Investment, adding that a rise in lower-quality retail loans coupled with lack of low-cost CASA deposits has resulted in some stress in the microfinance space.

  • OPINION | Redesigning UPI infrastructure for the digital economy's next phase

    OPINION | Redesigning UPI infrastructure for the digital economy's next phase

    As UPI grows exponentially, banks must modernize their infrastructure to ensure scalability, security, and compliance. Two strategies, sidecar switch or full replacement, offer paths to meet evolving demands and regulatory expectations

  • Have banking stocks finally found the bottom?

    Have banking stocks finally found the bottom?

    After two months of losses, banking stocks are showing signs of revival as credit growth stabilises and retail demand picks up

  • Vault Matters | Can a Sumo wrestler play kabaddi? That’s SMBC’s real challenge with Yes Bank

    Vault Matters | Can a Sumo wrestler play kabaddi? That’s SMBC’s real challenge with Yes Bank

    There have always been a lot of apprehensions on what incremental value add a foreign bank can bring to India, more so with the exit of biggies such as Citi and Deutsche from India’s retail terrain. Can Sumitomo Mitsui Banking Corporation help find an answer?

  • Nifty faces broad FY26 earnings downgrades as banks, autos, IT bear the brunt

    Nifty faces broad FY26 earnings downgrades as banks, autos, IT bear the brunt

    Three-quarters of index companies see cuts as weaker demand, lower margins and softer credit growth weigh on outlook

  • How to exchange damaged or torn currency notes at banks in India

    How to exchange damaged or torn currency notes at banks in India

    The RBI makes it very clear about rules to exchange soiled or damaged notes so that you don't miss out on money because of spoilt currency.

  • OPINION | Vault Matters: The unfortunate side effect of stress in the banking system

    OPINION | Vault Matters: The unfortunate side effect of stress in the banking system

    There are at least four major instances of death noted in the banking sector since the start of this fiscal. Two are natural deaths and two suicides. The common thread is that these were mid- to senior-level seasoned executives and may have been under tremendous work pressure

  • Leading banks to trim dividend payout this fiscal, fearing lower profit and loan growth, says S&P Global

    Leading banks to trim dividend payout this fiscal, fearing lower profit and loan growth, says S&P Global

    The expected decline in dividend payouts is rooted in a ‘confluence of margin and profitability headwinds’, said Tusharika Aggarwal, equity analyst at Market Intelligence.

  • SMBC to seek promoter tag in Yes Bank after primary capital infusion

    SMBC to seek promoter tag in Yes Bank after primary capital infusion

    According to sources, Yes Bank is expected to roll out a plan to raise equity by December this year. SMBC may infuse around Rs 4,000 crore in the bank to increase its stake from 20 percent to 24.99 percent.

  • Banks are between a rock and a hard place on policy transmission

    Banks are between a rock and a hard place on policy transmission

    MSME borrowers have come under strain and banks have begun to increase the spread on loan rates to capture credit risk

  • Vault Matters | Beginning of the end of the hype around financial services

    Vault Matters | Beginning of the end of the hype around financial services

    Two mid-sized SME lenders have supposedly called off their IPO plans. An NBFC focused on education loans has yet to refile for an IPO. One of the most anticipated listings of this year, HDB Financial Services, received only a lukewarm response from investors. Does this signal a tapering of investor interest in financial services?

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