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.
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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")
BCs seek meeting with finance ministry to break deadlock over remuneration
Industry representatives for business correspondents point out that there is pressure from banks to raise deposits, despite the fact that the BC channel has already overtaken branches in doing so
 "BCs seek meeting with finance ministry to break deadlock over remuneration")
RBI deepens scrutiny of bank board meetings and governance practices
The central bank's message (through SSMs) is clear: Mere box-ticking will not suffice
 "RBI deepens scrutiny of bank board meetings and governance practices")
Private sector firms continue to maintain high interest cover ratio
The ICR - defined as the ratio of profit before interest and taxes to interest payments - stood at 6.78 in FY25, up from 3.77 in FY20
 "Private sector firms continue to maintain high interest cover ratio")
Microfinance industry refashions itself amid opportunities and challenges
Central bank has taken a sympathetic view of institutions by easing some lending norms
 "Microfinance industry refashions itself amid opportunities and challenges")
Closer scrutiny of independent directors likely amid IndusInd Bank row
RBI's vetting process may become more intense as banking industry looks for people skilled to be 'effective board members'
 "Closer scrutiny of independent directors likely amid IndusInd Bank row")
Signs bright for MSME sector as lending and financial stability improve
Issues like corporate governance, expertise in international trade and digital transformation fester
 "Signs bright for MSME sector as lending and financial stability improve")
Banks set to miss fourth deadline to roll out cassette-swap system for ATMs
Banks, cash handling firms, and managed service providers are yet to work out the absorption of costs involved in the trade as well as the logistics of switching to the new system
 "Banks set to miss fourth deadline to roll out cassette-swap system for ATMs")
IndusInd Bank may need to reset its 'committee of executives' now
Anil Rao's stay on 'committee of executives' to run daily ops on radar
 "IndusInd Bank may need to reset its 'committee of executives' now")
Mint Road's enforcement framework shifts focus to governance premium
The woes at IndusInd Bank have put the spotlight back on a key initiative the banking regulator's Enforcement Department set rolling in FY24
 "Mint Road's enforcement framework shifts focus to governance premium")
MSMEs struggle with access to formal credit due to limited formalisation
Other factors such as information asymmetry, lack of comprehensive financial records, weak credit histories, and insufficient collateral contribute to this issue
 "MSMEs struggle with access to formal credit due to limited formalisation")
Biz correspondents' body to raise Atal Yojana renewal commission with banks
BCRC may take up the issue with the Indian Banks' Association; in January, it had raised the matter with the insurance regulator
 "Biz correspondents' body to raise Atal Yojana renewal commission with banks")
Co-lending 2.0 gains ground, but earlier avatar continues to cast a shadow
The reality is that co-lending did not take off because banks and NBFCs had to dance around issues after blowouts in shadow banking, and iron out the finer aspects of the model
 "Co-lending 2.0 gains ground, but earlier avatar continues to cast a shadow")
Quicker credit data updates will aid underwriting: TransUnion CIBIL MD, CEO
CIs get fresher data when underwriting or extending additional lines of credit, says Bhavesh Jain
 "Quicker credit data updates will aid underwriting: TransUnion CIBIL MD, CEO")
Despite growth of e-transactions, ATMs see surge in orders, deployment
Hike in interchange fees may lead to more deployments in bank as well as white label ATMs
 "Despite growth of e-transactions, ATMs see surge in orders, deployment")
And the wait continues: Fintech funding revival still out of reach
Sectoral regulators have signalled that they expect fintechs to focus strongly on governance, risk, compliance, and conduct aspects
 "And the wait continues: Fintech funding revival still out of reach")
Linking ATM interchange fee to ticket size a good idea: FSS' Vishal Maru
If you look at per-ATM daily transactions, rural areas have much higher numbers. That's why WLATMs focus on Tier-III and Tier-IV cities, says Maru
 "Linking ATM interchange fee to ticket size a good idea: FSS' Vishal Maru")
