Page 4 - Latest Updates on Reserve Bank of India
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
 "2025: Year of big-bang reforms aimed at ease of doing business in finance")
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
 "Banks 'resilient' but face stiff fund mobilisation competition: RBI report")
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")
Bank holiday on Christmas: Banks to stay shut for five days in many states
For Christmas Eve in 2025, banks in Mizoram, Nagaland, and Meghalaya will be closed on December 24. On December 25, however, all banks nationwide will observe a holiday in observance of Christmas
 "Bank holiday on Christmas: Banks to stay shut for five days in many states")
Real estate developers expect rate cut to boost housing sales momentum
Developers say lower home loan rates after RBI repo rate cuts have improved affordability across major cities, supporting buyer confidence and housing sales momentum into 2026
 "Real estate developers expect rate cut to boost housing sales momentum")
Benign inflation may keep India's policy rates low for a long time: RBI Guv
India's inflation rate picked up in November from a record low in the previous month but stayed well below the central bank's 4% target
 "Benign inflation may keep India's policy rates low for a long time: RBI Guv")
Unity SFB's Aviom Housing acquisition may take 3-4 months to complete
Unity Small Finance Bank has emerged as the winning bidder for Aviom India Housing Finance, but completion may take 3-4 months as key regulatory and creditor approvals are pending
 "Unity SFB's Aviom Housing acquisition may take 3-4 months to complete")
Bankers seek RBI action as dollar glut, NDF pressure roil rupee forwards
The rupee remains Asia's worst-performing currency this year, hit by weak investment flows, steep U.S. tariffs and the lack of a US trade deal
'Present policy rate & stance well positioned for macroeconomic stability'
Saugata Bhattacharya, external MPC member, spoke on the scope for further rate cuts and how the RBI's foreign exchange market interventions could influence the policy path going forward
 "'Present policy rate & stance well positioned for macroeconomic stability'")
Forex reserves rise for second straight week, reach $688.94 bn: RBI
India's forex reserves jumped by USD 1.689 billion to USD 688.949 billion during the week ended December 12, the Reserve Bank of India said on Friday.
 "Forex reserves rise for second straight week, reach $688.94 bn: RBI")
Goa Liberation Day 2025: History, significance and why December 19 matters
Goa was freed from Portuguese domination on December 19, 1961, and subsequently joined India. Notably, "Goa Liberation Day" commemorates the 451 years of Portuguese dominance in Goa
 "Goa Liberation Day 2025: History, significance and why December 19 matters")
RBI's OMO auction sees strong demand, but experts say job still half done
Net liquidity fell into deficit after seven weeks; net liquidity in the banking system was in a deficit of ₹68,586 crore on Wednesday
Home loan balance transfer: Higher residual principal tenure drive savings
A high credit score is critical as it enables the borrower to secure the new loan at an attractive rate
 "Home loan balance transfer: Higher residual principal tenure drive savings")
RBI clears Paytm arm PPSL as payment aggregator for offline transactions
The approval is in addition to the authorisation for Online Payment Aggregation already granted by the central bank to PPSL last month
 "RBI clears Paytm arm PPSL as payment aggregator for offline transactions")