Raghu Mohan
 "Raghu Mohan")
Raghu Mohan
Raghu Mohan has been a journalist since 1993, with a distinguished career spanning over three decades. His past experiences include notable stints at The Financial Express, Business India, and Businessworld. He specialises in banking and finance, with a particular emphasis on the regulatory aspects of these fields. In addition to his reporting expertise, he has also successfully managed special projects and events for the publications he has worked with, showcasing his versatility and skill as a journalist.
Raghu Mohan has been a journalist since 1993, with a distinguished career spanning over three decades. His past experiences include notable stints at The Financial Express, Business India, and Businessworld. He specialises in banking and finance, with a particular emphasis on the regulatory aspects of these fields. In addition to his reporting expertise, he has also successfully managed special projects and events for the publications he has worked with, showcasing his versatility and skill as a journalist.
Page 2 - Raghu Mohan
Fintechs set for change as norms for debt collection practices are updated
Stricter collection protocols mean you can't push credit as in the past (its return leg has to be taken into account); business models may have to be tweaked even as fintech funding heads southwards
 "Fintechs set for change as norms for debt collection practices are updated")
MFIs see funding fall over 50% in FY25 to Rs 58K crore, seek support line
The industry's fund crunch comes over lenders' fears of asset quality, repayment, and over-leverage, which ties in to the Reserve Bank of India's push for responsible lending
 "MFIs see funding fall over 50% in FY25 to Rs 58K crore, seek support line")
MSME lending sees robust value, volume growth, delinquencies also increase
The increase in lending to the MSME sector reflects robust credit demand from small businesses as well as improving credit access supported by the increasing digital lending initiatives
 "MSME lending sees robust value, volume growth, delinquencies also increase")
It's time to get started, put money in deals: M&A financing opens up
Bank financing of M&As will be like any other business and only needs guardrails
 "It's time to get started, put money in deals: M&A financing opens up")
Global market turbulence may keep fintech fundraising under pressure
Fintechs raised $889 million in H1 2025, down 26 per cent from H2 2024 and 33 per cent from H1 2024, as valuations cool, regulations tighten, and investors adopt a wait-and-watch approach
 "Global market turbulence may keep fintech fundraising under pressure")
Banks see thinning spreads, driven by credit dip, lower deposits, rate cuts
Growing competition in corporate and institutional credit as well as in home loans, and lower interest rates have also put pressure on lending margins
A time to handhold: Lenders must support MSMEs as tariff woes rise
As MSME tariff woes increase, lenders have to work closely with smaller industries, even as demand for a lifeline grows, reports Raghu Mohan
 "A time to handhold: Lenders must support MSMEs as tariff woes rise")
MFIs raise loan-waiver concerns with RBI, finance ministry ahead of polls
Bihar, Assam, Kerala, Tamil Nadu and West Bengal - which go to polls between the latter half of 2025 and the early part of 2026 - account for 42 per cent of microfinance institutions' (MFIs) portfolio
 "MFIs raise loan-waiver concerns with RBI, finance ministry ahead of polls")
The role of TReDS is set to go up significantly: M1xchange's Mohindru
Sundeep Mohindru, founder-director of M1xchange, interacted with Raghu Mohan via email on the issues facing MSMEs
 "The role of TReDS is set to go up significantly: M1xchange's Mohindru")
Building bridges anew: RBI, banks must fine-tune board roles in governance
The developments at IndusInd Bank have led RBI's senior supervisory managers (SSMs) to take a closer look at bank boards, including the agenda presented, the time spent discussing specific items
 "Building bridges anew: RBI, banks must fine-tune board roles in governance")
Money changers demand relief as accounts frozen over suspicious transfers
The industry body for foreign exchange providers, or money-changers, says accounts of members are being frozen on suspicion of proceeds received unknowingly from fraudsters through multi-layering of f
 "Money changers demand relief as accounts frozen over suspicious transfers")
Trump's tariff clouds cast a spreading gloom over export-focused MSME mood
The downward sentiment comes despite the Composite MSME Business Confidence Index (M-BCI) indicating a favourable business environment for MSMEs
 "Trump's tariff clouds cast a spreading gloom over export-focused MSME mood")
We are in no hurry to become a universal bank: Suryoday SFB MD & CEO
There's nothing I can immediately think of. Our current roadmap is built around one core idea: how do we build a real, meaningful customer relationship on both sides of the balance sheet, he said
 "We are in no hurry to become a universal bank: Suryoday SFB MD & CEO")
Digital debt collection makes strides as lenders use tech to cut visits
For a business that's taken huge strides in recent years, mirroring the growth in retail credit, there's hardly anything by way of a sizing study on it
 "Digital debt collection makes strides as lenders use tech to cut visits")
RBI to consider giving Section-8 MFI firms' access to credit bureaus
The lack of access to credit information leaves Section-8 MFIs in the dark about the worthiness of their clients, while allowing borrowers to exploit the arbitrage between Section-8 and mainline MFIs
 "RBI to consider giving Section-8 MFI firms' access to credit bureaus")
We are catalysing retail green financing in the country: Rajashree Nambiar
The climate-financing gap over the next five years is about $40 billion, says Rajashree Nambiar, cofounder and chief executive officer of Ecofy
 "We are catalysing retail green financing in the country: Rajashree Nambiar")
Nearly a decade into its existence, IBC framework needs to be reimagined
The famous "tareekh pe tareekh" dialogue from the Hindi movie Damini captures where we are now
 "Nearly a decade into its existence, IBC framework needs to be reimagined")
RBI to intensify scrutiny of bank auditors after governance lapses
With governance concerns at IndusInd and Karnataka Bank, RBI is expected to tighten its engagement with statutory auditors and examine the role of board sub-committees more closely
 "RBI to intensify scrutiny of bank auditors after governance lapses")
Affordable housing dream of millions in India gets closer to reality
RBI's rate cuts and revised lending norms could help a segment that developers have largely ignored
 "Affordable housing dream of millions in India gets closer to reality")
Finance lobby groups will need to make cultural shift as they become SROs
A related concern is what if other financial sector regulators were also to latch on to the SRO idea? How does coordination happen between them in the case of financial conglomerates?
 "Finance lobby groups will need to make cultural shift as they become SROs")
