 "What is Reserve Bank of India (RBI)")
Reserve Bank of India
What is Reserve Bank of India (RBI)
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Latest Updates on Reserve Bank of India
Govt bond yields soften on better-than-expected cut-offs on SDLs
The yield on the benchmark 10-year government bond settled at 6.61 per cent, against the previous close of 6.64 per cent
 "Govt bond yields soften on better-than-expected cut-offs on SDLs")
Gold loan: Avoid maxing out on loan limit, maintain 20% valuation buffer
EMI-based repayment steadily reduces the principal and lowers LTV, offering better protection against price volatility than the bullet option
 "Gold loan: Avoid maxing out on loan limit, maintain 20% valuation buffer")
Supervisory data quality index of banks improves to 90.7 in Sept 2025
The overall sDQI score for SCBs improved to 90.7 in September 2025, up from 89.9 in June 2025
 "Supervisory data quality index of banks improves to 90.7 in Sept 2025")
2026 outlook for banking sector: NIMs stable, liquidity challenge looms
After margin pressure and muted credit in 2025, banks enter 2026 with hopes of credit revival, stable asset quality and more investments, though funding and deposits remain key risks
Gains from decontrol: Removing constraints offers substantial gains
While factories faced headwinds, Indian finance gained ground in the eyes of global strategic capital
 "Gains from decontrol: Removing constraints offers substantial gains")
Reasonable valuations, earnings revival to aid small-cap funds in 2026
After underperforming in 2025, small-cap funds may see a turnaround as valuations become more reasonable and earnings revive; existing investors should stay invested, while new ones enter gradually
 "Reasonable valuations, earnings revival to aid small-cap funds in 2026")
98.41% of ₹2,000 banknotes withdrawn since May 2023 returned: RBI
About 98.41 per cent of the high-value banknotes in circulation as of May 19, 2023, have since been returned
 "98.41% of ₹2,000 banknotes withdrawn since May 2023 returned: RBI")
RBI reiterates cautious stance on crypto assets, stablecoins for stability
RBI reiterated its cautious view on crypto assets and stablecoins, stressing that CBDCs should remain the anchor of trust and the core settlement asset in the monetary system
 "RBI reiterates cautious stance on crypto assets, stablecoins for stability")
RBI flags high-cost distribution pressures in insurance sector growth model
Total premium income grew to ₹11.9 lakh crore in 2024-25 from ₹8.3 lakh crore in 2020-21, reflecting consistent market expansion and stable financial intermediation capacity
 "RBI flags high-cost distribution pressures in insurance sector growth model")
RBI relaxes risk-weight rules for NBFC infra loans, revises thresholds
However, RBI denied requests to dilute termination protection clauses, calling them critical for safeguarding lenders' interests in the event of early project termination
 "RBI relaxes risk-weight rules for NBFC infra loans, revises thresholds")
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")
