Raghu Mohan

A report by Knight Frank India said supply-to-demand ratio for affordable housing across the top 8 cities plummeted to 0.36 in 2025 (until June), down from 1.05 in 2019

Stakeholders are pulling in different directions, and the ATM channel has to be reimagined to make it commercially viable. Are there any alternatives?

The year 2025 laid the foundation for tectonic shifts in financial and business domains, like a move to open up M&As to bank financing

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

The period saw more demand for vehicle finance (two-wheeler loans and auto loans) and consumer durables; and this also led to an uptick in the CMI for demand to 95 from 92

Growth fueled by digital infrastructure and co-lending, as fintechs shift to asset-light models amid tighter funding

Eight months after RBI raised ATM interchange charges, banks are still split on what next as Rs 2,000 notes vanish, costs climb, and withdrawal volumes soften

Banks planning to enter this line of business need to prepare on several fronts, from raising payouts and hiring specialised talent to navigating potential governance challenges

The move for the overhaul of the BC channel comes even as the National Institute of Bank Management submitted its report on the channel though it is not yet public

India's private equity, venture capital investments touched $5.3 billion in Oct 2025, rising nine per cent, as resilient sectors, policy cues and a steady macro backdrop supported investor confidence

Japanese firm OKI sets up a new manufacturing plant in India, banking on strong demand for cash machines and recyclers even as digital transactions soar

Despite policy boosts, land costs and lender parity issues are driving the sector off-script

The transaction is to be executed through a primary infusion of roughly $3 billion, or ₹26,850 crore, and the proposed investment is to be made via a preferential issue of up to 60% in RBL Bank

Sustained moderation in GLP and originations volume signals ongoing risk mitigation, while improvements in short-term delinquencies highlights progress in portfolio management

Mint Road's proposals on banks' M&A funding are cautious even as entrants root for more elbow room, and weigh business models

The business correspondent banking channel is facing attrition as agents are leaving over declining commissions, despite bringing in more new deposits than branches

The popular view is that the second half of the year sees a bump in credit on account of the festive and wedding seasons. We examine if the data backs up this perception

Bankers say that given the substantial exposures banks will have to take for M&A financing, the current ceiling for banks' exposure to the sensitive sectors is likely to be a hurdle

Ananth Shroff, cofounder and chief executive officer of DPDzero, which uses artificial intelligence (AI) for debt collections, interacted with Raghu Mohan via email

The National Institute of Bank Management (NIBM) has submitted its report; and stakeholders - banks, BCs and Mint Road - are expected to roll out revisions next year