Banking Sector

After a year of margin pressure and muted growth, banks head into 2026 expecting NIM stabilisation, benign asset quality and a gradual revival in credit, aided by rate cuts and foreign inflows

Banks exist to serve the customers, let us serve them well

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

While banking is stable and resilient, it needs to evolve and adjust to the changing dynamics of the Indian financial system

Indian Bank's Sudhir Kumar Gupta outlines how credit, fintech partnerships and startup funding can help Uttar Pradesh move towards a $1 trillion economy

Banking system fraud amount rose to ₹21,515 crore in April-September FY26, up 30 per cent year-on-year, even as the number of cases fell sharply to 5,092

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

Bandhan Bank said it has sold stressed loan portfolios worth over Rs 6,800 crore to ARCIL and Phoenix ARC to reduce NPAs and refocus on core lending

India's urban co-operative banks fell to 1,457 at end-March 2025 from 1,926 in 2004, as RBI consolidation continued via mergers, closures and licence cancellations

The finance ministry has directed public sector banks and financial institutions, including insurance companies, to promptly report vigilance-related matters concerning whole-time directors (WTDs) of their respective companies. The directive from the Department of Financial Services (DFS) under the ministry follows several instances where adverse information about board-level appointees was not promptly reported. In many cases, it said, such critical adverse inputs like private complaints, court observations, references or inputs from the CBI or other Law Enforcement Agencies are being reported only at the time when Vigilance Clearance is specifically sought from the Chief Vigilance Officers (CVO) of PSUs. Without citing any specific case, the advisory issued earlier this month, said, in certain cases even the crucial information relating to WTDs is omitted in the Vigilance Clearance formats on the ground that no specific column exists for such disclosure. Observing that omission o

Under the India-New Zealand FTA's Financial Services Annex, India has offered higher FDI limits in banking and insurance and a simpler licensing regime for foreign bank branches

After crossing Rs 2 trillion in September and October, credit card spending eased to Rs 1.89 trillion in November 2025, with major issuers reporting month-on-month declines

The government on Wednesday decided to exercise green shoe option to divest a higher 3 per cent stake in Indian Overseas Bank through offer-for-sale following overwhelming response from investors on the first day of subscription. The OFS of Indian Overseas Bank (IOB) opened for subscription on Wednesday for non-retail investors at a floor price of Rs 34 per share. "Offer for Sale in Indian Overseas Bank received good response from non-retail investors today. "Against about 34.66 cr shares on offer, demand was received for more than 41 cr shares. Government has decided to exercise the green shoe option. Retail investors get to bid tomorrow 18th December 2025," Department of Investment and Public Asset Management (DIPAM) Secretary Arunish Chawla said in a post on X. The government proposed to sell up to 38.51 crore (38,51,31,796) shares or 2 per cent base offer size with an option to additionally sell 19.25 crore (19,25,65,898) shares, representing 1 per cent of the total issued and

The government has extended the tenure of State Bank of India Managing Director Ashwini Kumar Tewari for another two years. The central government re-appoints Ashwini Kumar Tewari as Managing Director in State Bank of India (SBI) with effect from the date of his assumption of charge of the post, beyond his currently notified term, which is ending on January 27 2026, till the date of his superannuation that is December 31, 2027, the state-owned lender said in a regulatory filing on Wednesday. This is the second time that Tewari got a two-year extension. The first time he got an extension was in 2024. He was appointed as MD of SBI in January 2021 for an initial three-year term. The SBI board is headed by the Chairman, assisted by four managing directors.

Within non banks, the fastest growth was in trust companies, hedge funds, money market funds and other investment funds, which all posted double digit rates of growth

Lenders nudged to cut charges and maintain uniformity

Outstanding CD issuance tops record ₹5.7 trn during the period

Fresh off its RBI nod, Fino Payments Bank plans a cautious but differentiated path as it transitions into a small finance bank-with digital scale, low-cost liabilities and secured lending at its core

Lending rates linked to external benchmarks drop from Dec 6, offering relief to home, vehicle, and personal loan borrowers

Net liquidity in the banking system was in a surplus of ₹2.6 trillion on Thursday, latest RBI data showed