 "Raghu Mohan")
Raghu Mohan
Raghu Mohan
Raghu Mohan has been a journalist since 1993, with a distinguished career spanning three decades. He specialises in banking and finance, with a particular emphasis on the regulatory aspects of these fields. In addition to his reporting, he has also successfully managed special projects and events for the publications he has worked with, showcasing his versatility and skill as a journalist. His past experiences include stints at The Financial Express, Business India, and Businessworld.
Raghu Mohan has been a journalist since 1993, with a distinguished career spanning three decades. He specialises in banking and finance, with a particular emphasis on the regulatory aspects of these fields. In addition to his reporting, he has also successfully managed special projects and events for the publications he has worked with, showcasing his versatility and skill as a journalist. His past experiences include stints at The Financial Express, Business India, and Businessworld.
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Fintech funding sees modest rise in CY25 as investor outlook turns cautious
Fintech funding rose slightly to $2.4 billion in CY25, but geopolitical tensions in West Asia may slow investment flows as venture capital investors turn cautious about deploying capital
 "Fintech funding sees modest rise in CY25 as investor outlook turns cautious")
Fixed tenures may be next for upper-layer NBFC chiefs under new norms
Proposal could mirror RBI's 15-year limit for private bank leaders
 "Fixed tenures may be next for upper-layer NBFC chiefs under new norms")
Awareness of TReDs among MSMEs needs to improve: RXIL's MD & CEO
Ketan Gaikwad speaks about the potential of TReDs and issues involved
 "Awareness of TReDs among MSMEs needs to improve: RXIL's MD & CEO")
MFIs may have to grin and bear for some time amid rising credit costs
Experts are calling for a reimagination of microfinance as credit costs rise with higher risk provisions and writeoffs
 "MFIs may have to grin and bear for some time amid rising credit costs")
Bank CD ratio stays at record 82.5% as credit growth outpaces deposits
India's credit-deposit ratio remained at a record 82.5% for the fourth consecutive fortnight ended February 15, 2026, as credit growth continued to outpace deposit growth across the banking system
 "Bank CD ratio stays at record 82.5% as credit growth outpaces deposits")
IBA to set up committee to review BC payouts, fixed remuneration on cards
Move follows NFIS 2025-30 observations and RBI survey findings flagging inadequate and delayed remuneration as key reasons for inactivity among Business Correspondents
 "IBA to set up committee to review BC payouts, fixed remuneration on cards")
Transition path for NBFCs to become universal banks may be in the offing
DFS to again meet on shadow banks next week
 "Transition path for NBFCs to become universal banks may be in the offing")
NBFCs' bank licence set to figure at DFS meet on Thursday as reforms loom
The meeting will be attended by senior officials from the Finance Industry Development Council, Sa-Dhan and Microfinance Industry Network
 "NBFCs' bank licence set to figure at DFS meet on Thursday as reforms loom")
BC channel payout has to match commercial reality: Dharanidhar Tripathy
BC payouts must reflect rising compliance costs and risks to sustain last-mile banking and deepen financial inclusion, says Dharanidhar Tripathy
 "BC channel payout has to match commercial reality: Dharanidhar Tripathy")
Risk-based premium on deposit insurance to test banks' fund-raising ability
From April 21, banks shift to risk-based deposit insurance premiums, with better-rated lenders paying less and a likely hike in the ₹5 lakh insurance cap
 "Risk-based premium on deposit insurance to test banks' fund-raising ability")
Microfinance sector portfolio sees contraction, asset stress builds up
Aggregated portfolio outstanding stood at Rs 320.9 trillion in December 2025, down 7.2% Q-o-Q and 18% Y-o-Y, while 180-plus DPD stress rose sharply year-on-year
 "Microfinance sector portfolio sees contraction, asset stress builds up")
Budget 2026 banking review panel puts regulatory coordination in focus
The Union Budget 2026 proposal for a high-level banking reforms committee comes as the RBI strengthens its internal regulatory review process, sharpening focus on coordination across regulators
 "Budget 2026 banking review panel puts regulatory coordination in focus")
Wheels are in motion for small businesses, but global challenges remain
Credit reforms and Budget incentives aim to strengthen the MSME sector but persistent payment delays and global tariff uncertainties remain hurdles, reports Raghu Mohan
 "Wheels are in motion for small businesses, but global challenges remain")
Non-food credit growth accelerates to 14.4% Y-o-Y in Dec 2025: RBI data
Credit offtake strengthened on broad-based demand led by personal loans, MSME borrowing and services sector growth, while gold loans surged 127.6% amid reporting norm changes
 "Non-food credit growth accelerates to 14.4% Y-o-Y in Dec 2025: RBI data")
Business correspondents seek grant, equity funds for capacity building
The Business Correspondent Resource Council has sought the setting up of infrastructure and equity funds to strengthen last-mile banking, citing NSFI goals and RBI findings
 "Business correspondents seek grant, equity funds for capacity building")
Fintech's long march from disruption to discipline in its next chapter
A decade of rapid growth gives way to partnerships, governance, and the contours of Fintech 2.0. Raghu Mohan weighs in
 "Fintech's long march from disruption to discipline in its next chapter")
Cautious confidence: Amid uncertainty, banks seek to steer with stability
Even as banks boast healthy books, concerns remain across the financial landscape. Raghu Mohan and Abhijit Lele explain why work is not yet complete
 "Cautious confidence: Amid uncertainty, banks seek to steer with stability")
Directors' cut: Bank board reform hangs in balance amid governance rethink
As the banking landscape grows more complex, board oversight requires urgent finetuning. Expect Mint Road to tighten governance frameworks
 "Directors' cut: Bank board reform hangs in balance amid governance rethink")
Financial inclusion index should disclose all parameters: Sumita Kale
RBI's Financial Inclusion Index needs greater transparency, granular data and a shift towards usage, quality and household financial well-being, says Indicus Foundation CEO Sumita Kale in an interview
 "Financial inclusion index should disclose all parameters: Sumita Kale")
Retail credit portfolio led by 31-40 age group, shows CRIF High Mark report
CRIF High Mark's Credit Insight Report 2026 shows borrowers aged 31-40 dominate portfolio value, while younger borrowers account for higher early-stage delinquencies in retail credit
 "Retail credit portfolio led by 31-40 age group, shows CRIF High Mark report")