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.
Raghu Mohan/undefined
Fintechs hold steady in changing terrain as unsecured credit business grows
Growth fueled by digital infrastructure and co-lending, as fintechs shift to asset-light models amid tighter funding
 "Fintechs hold steady in changing terrain as unsecured credit business grows")
Multiple challenges continue to ail the ATM interchange fee conundrum
Eight months after RBI raised ATM interchange charges, banks are still split on what next as Rs 2,000 notes vanish, costs climb, and withdrawal volumes soften
 "Multiple challenges continue to ail the ATM interchange fee conundrum")
PSBs eye M&A market but face talent, pay and regulatory hurdles ahead
Banks planning to enter this line of business need to prepare on several fronts, from raising payouts and hiring specialised talent to navigating potential governance challenges
 "PSBs eye M&A market but face talent, pay and regulatory hurdles ahead")
NSFI for relook at BC payouts, use network for cross-selling
The move for the overhaul of the BC channel comes even as the National Institute of Bank Management submitted its report on the channel though it is not yet public
 "NSFI for relook at BC payouts, use network for cross-selling")
PE, VC inflows up 9% in October as macro signals boost investor sentiment
India's private equity, venture capital investments touched $5.3 billion in Oct 2025, rising nine per cent, as resilient sectors, policy cues and a steady macro backdrop supported investor confidence
 "PE, VC inflows up 9% in October as macro signals boost investor sentiment")
Despite digital transactions, ATM demand remains strong: OKI India CEO
Japanese firm OKI sets up a new manufacturing plant in India, banking on strong demand for cash machines and recyclers even as digital transactions soar
 "Despite digital transactions, ATM demand remains strong: OKI India CEO")
Affordable housing gets out of pocket as costs rise and hurdles persist
Despite policy boosts, land costs and lender parity issues are driving the sector off-script
 "Affordable housing gets out of pocket as costs rise and hurdles persist")
RBL Bank, Emirates NBD leaderships chart out post-investment road map
The transaction is to be executed through a primary infusion of roughly $3 billion, or ₹26,850 crore, and the proposed investment is to be made via a preferential issue of up to 60% in RBL Bank
 "RBL Bank, Emirates NBD leaderships chart out post-investment road map")
Microfinance sector sees 16.5% annual decline in Sep gross loan portfolio
Sustained moderation in GLP and originations volume signals ongoing risk mitigation, while improvements in short-term delinquencies highlights progress in portfolio management
 "Microfinance sector sees 16.5% annual decline in Sep gross loan portfolio")
Treading with care at a new frontier: RBI cautious on banks' M&A funding
Mint Road's proposals on banks' M&A funding are cautious even as entrants root for more elbow room, and weigh business models
 "Treading with care at a new frontier: RBI cautious on banks' M&A funding")
BC network faces heat from qcom platforms as agents take up gig work
The business correspondent banking channel is facing attrition as agents are leaving over declining commissions, despite bringing in more new deposits than branches
 "BC network faces heat from qcom platforms as agents take up gig work")
Are banks still seeing a seasonality factor in deposits and credit?
The popular view is that the second half of the year sees a bump in credit on account of the festive and wedding seasons. We examine if the data backs up this perception
 "Are banks still seeing a seasonality factor in deposits and credit?")
RBI's nod for banks' M&A funding may force tweak to sensitive sector norms
Bankers say that given the substantial exposures banks will have to take for M&A financing, the current ceiling for banks' exposure to the sensitive sectors is likely to be a hurdle
 "RBI's nod for banks' M&A funding may force tweak to sensitive sector norms")
The collections industry is running on a dignity deficit: Ananth Shroff
Ananth Shroff, cofounder and chief executive officer of DPDzero, which uses artificial intelligence (AI) for debt collections, interacted with Raghu Mohan via email
 "The collections industry is running on a dignity deficit: Ananth Shroff")
Business correspondents driving financial inclusion may get their due
The National Institute of Bank Management (NIBM) has submitted its report; and stakeholders - banks, BCs and Mint Road - are expected to roll out revisions next year
 "Business correspondents driving financial inclusion may get their due")
Fintech NBFCs grew faster than industry, but both show annual moderation
Operating on a small-ticket, high-volume model, fintech-driven NBFCs saw active loans grow by 25.6 per cent on an annual basis, outperforming the overall NBFC industry's 15.1 per cent growth
 "Fintech NBFCs grew faster than industry, but both show annual moderation")
Banking pads up to cover a new ground with risk-based deposit insurance
Shifting to a system of risk-based deposit insurance may over time force banks to become even more prudent and mindful of their finances
 "Banking pads up to cover a new ground with risk-based deposit insurance")
Bureau credit scores should not be the sole filter: IDfy's Ashok Hariharan
Ashok Hariharan, founder of IDfy, interacted with Raghu Mohan via email on issues in retail onboarding and underwriting
 "Bureau credit scores should not be the sole filter: IDfy's Ashok Hariharan")
Micro-ATM operators seek higher transaction fees to match legacy ATMs
Micro-ATM operators have sought a revision in transaction fees, urging the government to align their payouts with those of legacy ATMs amid rising volumes and decade-old stagnant pricing
 "Micro-ATM operators seek higher transaction fees to match legacy ATMs")
A fine balance for fintech as investors put compliance ahead of valuation
Industry that was touted to overtake legacy banks and financial institutions gets wake-up call
 "A fine balance for fintech as investors put compliance ahead of valuation")
