Raghu Mohan

MSMEs' cash flow rarely moves in a straight line: FlexiLoans cofounder

FlexiLoans co-founder Ritesh Jain discusses MSME credit, regulatory changes, flexible working capital and the growing role of co-lending

UPI pads up at the crease: From free play to revenue with new MDR regime

The payments system is set to get a big leg-up with the pricing on UPI

RBI governance reset puts spotlight on bank chairs, independent directors

Starting October 1, 2026, onboarding of independent directors, their accountability and remuneration may need a relook as RBI seeks more focused board engagement on strategy, risk and governance

HDFC Bank woes put spotlight on leadership continuity, top-tier handovers

The woes at HDFC Bank have put the spotlight back on leadership continuity and how lenders oversee top-tier handovers, reports Raghu Mohan

Microfinance recovery to help SFB gross NPAs decline in FY27: Crisil

Improvement will be driven by a recovery in microfinance credit performance and a rising contribution from non-microfinance loans, where asset quality is expected to remain stable

FSAT idea returns as debate grows over RBI penalties, regulatory overlap

RBI Governor Sanjay Malhotra has reopened the debate over an appellate mechanism for central bank penalties, even as experts remain divided over whether another layer of oversight is needed

Banks, NBFCs to reset partnership terms with fintech firms

RBI's draft data governance norms and DPDP rules are pushing banks and NBFCs to reassess fintech partnerships, contracts and third-party data risks

Fintech has too many moving pieces: Arbitrage window is closing fast

India's data-protection rules are narrowing fintech's regulatory arbitrage, raising compliance costs while creating new opportunities in regtech, cyberrisk and governance

Banks seek more from ATMs as non-cash services remain largely unused

ATMs offer fund transfers, bill payments and several other services beyond cash, but low awareness and the rise of mobile banking have left much of this capacity underused

Is free UPI viable? Pricing vital for digital public infra's future

The debate over UPI pricing is shifting as zero-MDR strains the ecosystem, raising questions over who should bear costs and whether a calibrated MDR can sustain digital public infrastructure

Deterrence beyond a slap on the wrist: Reimagining financial penalties

Fines on Indian financial institutions are a pittance. The enforcement regime must be reimagined, reports Raghu Mohan

BCRC seeks dedicated equity fund and wider access to RBI support schemes

The self-regulatory body for business correspondents has sought a dedicated equity fund, access to financial inclusion support and a pricing review to strengthen last-mile banking

Catch the scam if you can: Rising frauds expose growing governance gaps

Despite tech investment, rising complexity in frauds exposes governance gaps and digital vulnerabilities. There is an urgent need for stronger oversight

RBI policy transmission lowers fresh loan rates faster in FY26: Report

CareEdge Ratings says fresh loan rates fell faster than outstanding rates in FY26, with education, MSME, trade, large industry and housing leading the broad decline

Forex agents' industry body seeks Fema clarity on forex correspondent model

Money changers say ambiguity over the principal-agent framework, liability and compliance could delay the rollout of the new forex correspondent category

Business beyond hugs and handshakes: Bank-fintech ties enter a new phase

The bank-fintech partnership is undergoing a structural shift as governance premium takes top billing

Banks priority sector lending models may need a rethink, says SBI report

With banks comfortably exceeding lending targets and PSLC trading surging, experts say the RBI may need to revisit the priority sector lending framework to better serve financial inclusion goals

Sa-dhan rolls out capacity-building programme to strengthen smaller MFIs

The initiative aims to improve governance and operations as smaller MFIs say access to bank funding remains constrained

Going green for planet blue: Sustainable finance returns to lenders' agenda

As India finalises its climate finance taxonomy, banks are expanding green lending while experts call for deeper capital pools and stronger disclosure norms

BCRC seeks grandfathering as RBI's BC recertification rule nears rollout

BCRC says forcing already certified business correspondents to take advanced IIBF certification may trigger exits as RBI's new rule takes effect on July 1, 2026