Banks

Banks brace for a slow NIM recovery while NBFCs gain early from cheaper market borrowings

OPINION | Vault Matters: The real but barely mentioned risk in Yes Bank

Recently, Switzerland’s judiciary set aside the decision of its central bank to completely strike down the value of Credit Suisse’s AT-1 bonds when it was acquired by UBS. Will it open the pandora’s box back home where a similar matter is up for consideration at the Supreme Court?

Corporates, banks raise over Rs 8,000 crore via corporate bonds in primary market

Of the total fund raising, majority of the funds has been raised by IRFC worth Rs 2.981.65 crore and ICICI Bank worth Rs 3,945 crore.

Moneycontrol Pro Panorama | What a December move by RBI, Fed means for the Indian economy

In Moneycontrol Pro Panorama November 26 edition: For India, a rate cut right now is not just a monetary signal. It is a chance to revive momentum

Banks consider financing non-sanctioned Russian oil trade

That’s a shift from a few weeks ago — before the latest US curbs, which took effect on Friday

OPINION | Building a borderless future for fast, low-cost payments

The future of cross-border payments lies in interoperability, connecting fast payment systems like UPI, SEPA, and Pix to create seamless, low-cost, real-time transfers, making global money movement effortless and affordable

Govt’s new Credit Guarantee Scheme may offer up to Rs 50 crore to each eligible exporter, sources say

It will remain open till March 31, 2026, or until guarantees worth Rs 20,000 crore are issued, with each loan having a tenure of four years, including a one-year moratorium on repayment, sources indicated.

India will continue to see more inbound and domestic interest: Pramod Kumar, CEO Barclays Bank PLC, India

Kumar says he is clear that while investment banking may be core to what Barclays does in the country, corporate banking is getting built as a pillar of strength for the bank

Piyush Goyal slams ‘ridiculous’ rating norms that compare MSMEs with billion-dollar firms

Goyal also pointed out that rating agencies often exaggerate minor disruptions or policy changes, creating unnecessary panic, adding that several strong and fundamentally sound companies end up suffering due to such reactions, which fail to take into account India’s broader economic context.

OPINION | Vault Matters: $7 billion, four banks and a new outlook to equity

Capital, equity, etc. are not concerns of RBI was the view that the central bank seemed to hold for a long time. The new regime and its thinking is proving this belief wrong, making for a welcome change 

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

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

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

Latha Venkatesh assesses central bank's recent regulatory reforms

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

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

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

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 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?

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

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

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

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?

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

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.