Financial Stability Report

RBI has cautioned that global shocks, including the West Asia conflict, could weaken borrowers' repayment capacity despite stronger household credit profiles in FY26

Fx volatility may rise if oil prices spike due to supply chain risks

RBI's Financial Stability Report shows bank NPAs fell to record lows in March, though stress tests indicate a modest rise under the baseline scenario by March 2028

RBI said gold loans have become the fastest-growing retail loan segment, with rising gold prices driving disbursements while improving lenders' collateral buffers

RBI's FSR says higher G-Sec and SGS supply and softer demand from insurers and pension funds are keeping long-term yields elevated even as short rates fall on easing and liquidity

RBI flags risks from global shocks, including a sharp US equity correction, that could spur foreign portfolio outflows and rupee volatility, though it says buffers remain adequate

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

RBI says NBFCs' higher foreign currency borrowing has helped steady funding costs, but it raises vulnerability to exchange rate volatility even with most exposure hedged

Private sector banks' gross NPA ratio was stable at 2.8 per cent while foreign banks saw a decline to 0.9 per cent from 1.2 per cent

In the Financial Stability Report, RBI Governor Sanjay Malhotra says domestic resilience is strong but global tariffs, geopolitics and climate risks could impact growth

Issues like corporate governance, expertise in international trade and digital transformation fester

The Reserve Bank of India issued a statement, assuring the depositors that the bank is well-capitalised and financially stable, and that there is no reason to react to speculative reports

The Ordinance has excluded Reserve Bank of India (RBI)-regulated entities (REs) which are in this business

Borrowers with multiple loans-such as credit card, personal, and home loan-can pool them into one large loan with a lower interest rate

The bad loan ratio could rise to 5 per cent and 5.3 per cent under two separate high-risk scenarios

Authorities in neighbouring Karnataka on Wednesday ordered the National Highways Authority of India (NHAI) to check stability of the new Kali river bridge after an old bridge on the water body collapsed. The old bridge on the river collapsed at around 1.30 am on Wednesday, resulted in heavy traffic on national highway no. 66 connecting Goa to Karnataka, officials said. A truck crossing the bridge at the time fell into the river. Local fishermen later rescued its driver, a police official from Karwar in Uttar Kannada district of Karnataka told PTI. The old bridge which collapsed was used for Goa-bound traffic after the construction of a new one a decade back, the official said. Uttar Kannada District Magistrate Lakshmi Priya K said it has been brought to the notice that the old Kali river bridge connecting Karwar and Sadashivgad collapsed at 1.30 am on Wednesday. She ordered the NHAI officials concerned to verify and report stability of the new Kali river bridge connecting Karwar a

The RBI is moving to implement changes in guidelines on Liquidity Coverage Ratio with higher runoff rates and haircuts

According to CRISIL Ratings' bi-annual 'MSME Report' (June 2023), the debt need of the sector is more than Rs 100 trillion. Of this, 70% is for working capital requirements alone

FY24 sees record loan surge and customer growth

Some areas of concern remain