Page 8 - Latest Updates on Reserve Bank of India
January 2026 bank holidays: Check state-wise closures in India this month
January 2025 holiday calendar, which includes a list of bank and national holidays, is now available. For final confirmation, it is recommended to cross-check with institutional and state calendars
 "January 2026 bank holidays: Check state-wise closures in India this month")
Yield curve steepens due to heavy sovereign issues; long-end demand weakens
RBI's FSR says higher G-Sec and SGS supply and softer demand from insurers and pension funds are keeping long-term yields elevated even as short rates fall on easing and liquidity
 "Yield curve steepens due to heavy sovereign issues; long-end demand weakens")
Over 70% of fintechs' loan book unsecured: Financial Stability Report
Unsecured personal loans dominate fintech lending, with younger borrowers accounting for over half the exposure, as the RBI highlights growth and asset quality trends
 "Over 70% of fintechs' loan book unsecured: Financial Stability Report")
Up to four banks may tap capital buffers in adverse scenarios: RBI
RBI stress tests suggest some banks may need to draw on capital conservation buffers under adverse macro conditions, though minimum capital norms are likely to remain intact
 "Up to four banks may tap capital buffers in adverse scenarios: RBI")
The ATM interchange conundrum: How to make the channel viable again
Stakeholders are pulling in different directions, and the ATM channel has to be reimagined to make it commercially viable. Are there any alternatives?
 "The ATM interchange conundrum: How to make the channel viable again")
Why fixing the RBI-government ties matters for India's growth ambitions
The relationship between the central bank and the government is holding back India's financial sector
 "Why fixing the RBI-government ties matters for India's growth ambitions")
Growing external borrowings make NBFCs more vulnerable to rupee swings: RBI
RBI says NBFCs' higher foreign currency borrowing has helped steady funding costs, but it raises vulnerability to exchange rate volatility even with most exposure hedged
 "Growing external borrowings make NBFCs more vulnerable to rupee swings: RBI")
RBI warns of risks in bank-NBFC interlinkages, asset concentration
The RBI's Financial Stability Report warns that banks are increasingly buying NBFC-originated loans to scale retail portfolios, with nearly 80 per cent of assets sourced from a limited set of non-bank
 "RBI warns of risks in bank-NBFC interlinkages, asset concentration")
RBI net short dollar position rises to $66 bn in rupee forwards by Nov end
RBI data shows its outstanding net short dollar position in the rupee forward market rose to $66.04 billion by end-November, up from $63.6 billion at end-October
Are banks open or closed on New Year's Day, Jan 1? Here's state-wise update
January 1, 2026, a Thursday, is New Year's Day in 2026. In the US, January 1st is a federal holiday; in India, it is a restricted holiday. However, in some states, banks are closed, as per the RBI
 "Are banks open or closed on New Year's Day, Jan 1? Here's state-wise update")
Corporate lending to rebound as loan-bond rate gap narrows, RBI eases norms
Analysts expect banks' corporate credit to pick up as the bond-loan rate gap narrows and RBI reforms, including acquisition financing and eased exposure norms, begin to bite
 "Corporate lending to rebound as loan-bond rate gap narrows, RBI eases norms")
2025: Year of big-bang reforms aimed at ease of doing business in finance
The Reserve Bank of India rolled out sweeping reforms in 2025 to lower compliance costs and improve ease of doing business, from LCR relief and project finance norms to digital lending rules
India's banks are healthier, but the next stress point is already visible
While banking is stable and resilient, it needs to evolve and adjust to the changing dynamics of the Indian financial system
 "India's banks are healthier, but the next stress point is already visible")
RBI to conduct OMO purchase auction worth ₹50,000 crore on January 5
The RBI will buy government securities worth ₹50,000 crore in an OMO auction on January 5, 2026, as part of four equal tranches announced for late December and January
 "RBI to conduct OMO purchase auction worth ₹50,000 crore on January 5")
Banks 'resilient' but face stiff fund mobilisation competition: RBI report
RBI said banks remain resilient with low bad loans and strong capital, but credit growth outpacing deposits will keep resource mobilisation competitive, requiring strong governance and risk management
SFB asset quality worsens in FY25; GNPA rises to 3.6%: RBI report
RBI's Trends and Progress report said small finance banks saw weaker asset quality and lower profits in FY25, even as balance sheets expanded at a faster pace than other banks
How heavy state borrowing has blunted the RBI's rate cuts and bond buying
RBI's liquidity push is being neutralised by record state borrowing, keeping yields elevated and markets subdued - exposing deep fiscal strains beneath India's strong GDP numbers
 "How heavy state borrowing has blunted the RBI's rate cuts and bond buying")
Deposit growth slips below 10% as credit rises 11.7%, gap at 200 bps
RBI data show deposit growth lagging credit growth by 200 basis points, highlighting persistent deposit tightness even as lending demand remains strong
 "Deposit growth slips below 10% as credit rises 11.7%, gap at 200 bps")
Mint Road in 2025: A year filled with opening doors and tightening screws
The year saw Mint Road push banks towards capital markets, revisit deposit insurance and revive UCB licensing, signalling reform that expands opportunity without diluting caution
 "Mint Road in 2025: A year filled with opening doors and tightening screws")
Phase-II of cheque-clearing system postponed until further notice: RBI
RBI has deferred Phase 2 of continuous cheque clearing to give banks more time, and modified presentation hours to 9 am-3 pm and confirmation hours to 9 am-7 pm
 "Phase-II of cheque-clearing system postponed until further notice: RBI")