With small savings rates unchanged for the eighth straight quarter despite RBI cuts, banks face limited room to lower deposit rates amid slowing deposit growth and margin pressure
India's UPI processed a record 21.63 billion transactions worth ₹27.97 trillion in December, helping the platform close 2025 with its strongest-ever annual volumes and values
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
In its Financial Stability Report, RBI said central bank money must remain the ultimate settlement asset, warning that stablecoins pose macrofinancial risks and can weaken capital controls
Credit growth remained strong till December 15, while deposit growth weakened further, widening the credit-deposit gap and underscoring persistent liquidity tightness in the banking system
Cleaner balance sheets, regulatory support and strong growth prospects helped Indian private banks attract over $6 billion in foreign capital, with more deals expected in 2026
RBI said 64 lenders, including 41 banks and 23 NBFCs, are now on the Unified Lending Interface, using more than 136 data services to support credit assessment and decision-making
RBI data show deposit growth lagging credit growth by 200 basis points, highlighting persistent deposit tightness even as lending demand remains strong
A surge in bank and NBFC transactions lifted BFSI deal activity three times in 2025, reflecting growing investor appetite for financial services assets
The Reserve Bank of India will inject nearly Rs 3 trillion through open market operations and a USD/INR buy-sell swap to offset liquidity drained by forex intervention and seasonal factors
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
High-frequency indicators for November show economic activity remained resilient with robust demand, even as RBI flagged global uncertainties and moderated growth momentum ahead
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
Simultaneous fiscal and monetary tightening hurt growth and earnings, but momentum is returning, says Axis Bank's Neelkanth Mishra, signalling a possible market turnaround
