Banks

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.

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?

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

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

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

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

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

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

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

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

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?