 "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.
Raghu Mohan/workspace/business Standard Web/video
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")
NBFCs seek lower Sarfaesi limit for debt resolution, better harmonisation
Non-banking financial companies are taken up the matter with the Reserve Bank of India and the ministry of finance, seeking the same threshold that banks and some other lenders enjoy
 "NBFCs seek lower Sarfaesi limit for debt resolution, better harmonisation")
RBI, North Block may finetune regulations for Viksit Bharat 2047
A report by Knight Frank India said supply-to-demand ratio for affordable housing across the top 8 cities plummeted to 0.36 in 2025 (until June), down from 1.05 in 2019
 "RBI, North Block may finetune regulations for Viksit Bharat 2047")
The ATM interchange conundrum: How to make the channel viable again
Stakeholders are pulling in different directions, and the ATM channel has to be reimagined to make it commercially viable. Are there any alternatives?
 "The ATM interchange conundrum: How to make the channel viable again")
Mint Road: Charting a transformation path for finance and business in 2025
The year 2025 laid the foundation for tectonic shifts in financial and business domains, like a move to open up M&As to bank financing
 "Mint Road: Charting a transformation path for finance and business in 2025")
Mint Road in 2025: A year filled with opening doors and tightening screws
The year saw Mint Road push banks towards capital markets, revisit deposit insurance and revive UCB licensing, signalling reform that expands opportunity without diluting caution
 "Mint Road in 2025: A year filled with opening doors and tightening screws")