Tamal Bandyopadhyay

Some MFIs are turning into business correspondents. They are also looking for more secured loans, one of the products being loan against gold

The decision for the status quo on the policy rate was unanimous. As for the stance, one of the six MPC members, Ram Singh, held a different view, favouring a change to "accommodative"

Budget FY27 signals deeper banking reforms, possible PSB consolidation and higher borrowing, shifting the onus to RBI to manage yields and liquidity

The Centre's higher gross borrowing won't be a challenge in FY27, but the increasing size of state development loans is a concern

India's bad loan problem is easing, but rising delays at the NCLT highlight the urgent need to expand tribunal strength to speed up insolvency resolution

A cultural shift for India's financial regulator - from rule-based monitor to human-centred facilitator

If these are the three challenges, there are also three key developments that everyone will watch out for

After consolidation, creating a national rural bank holding company, an apex body to oversee governance, capital support, and technology integration across RRBs can be considered

The RBI under him prizes stability, yet remains open to reform. The onus is on the banking industry to prove it deserves Malhotra's trust

If inflation undershoots RBI projections and growth faces roadblocks from trade barriers and geopolitics, another 25-bps rate cut will not be a surprise

With inflation at a record low of 0.25% and robust GDP growth, the RBI faces a close call between supporting the economy and a weakening rupee

As a group, the PSBs showed better growth both in advances and deposits compared with their private peers. Will they be able to keep the momentum going and grow their market share?

The Reserve Bank of India has already put in place a detailed fraud risk management framework for all regulated entities

As deposit growth lags credit expansion, Indian banks face shrinking low-cost Casa inflows, rising funding costs, and structural shifts driven by UPI, e-Kuber, and digital savings trends

At this juncture, allowing higher foreign stake in PSBs is the right call. It will help them increase capital and scale up business

IRDAI chief outlines priorities on GST reforms, capital efficiency, Bima Sugam rollout, and risk-based supervision, promising orderly growth and stronger policyholder protection

The move is towards opening up the sector, but selectively, with regulatory scrutiny and special approval

Yes, they can. But to make the experiment successful, the government must have patience

Opening top positions at public sector banks for private candidates is a welcome move. Delinking their salary from the IAS is the next logical step

Rankings based on redressal of customer complaints are finally making banks and insurance companies realise the importance of customers service