Raghu Mohan

Fintechs set to take fresh guard as reality comes to bite the sector

With funding tightening and regulators increasing scrutiny on risk, firms must move past the growth-at-all-costs model to survive

MSME GNPA ratio falls to 3.3% by Sep. 2026, but further decline unlikely

CareEdge said MSME asset quality improved significantly from FY20 levels, though global trade disruptions, rising costs and export-linked risks could weigh on future loan performance

ATM cassette-swap rollout delayed again as banks go big on cash recyclers

Banks are deploying more cash recycling machines that allow deposits and withdrawals, reducing reliance on standalone ATMs and slowing the transition to cassette-swap cash loading systems

The gap between banks and fintechs is narrowing, says Rishi Verma

AI is narrowing the gap between banks and fintechs, driving faster decisions, better risk management and a convergence of scale, agility and trust

Bolstering mechanism for timely dues can give MSMEs a leg up in tough times

RBI's proposed TReDS reforms aim to ease MSME onboarding, improve credit flow and reduce payment delays, strengthening working capital access in uncertain times

NBFCs seek access to fraud registry, but may need amendment to RBI Act

Non-banking financial companies seek access to RBI's central fraud registry, arguing that limited access raises fraud risks as lending partnerships with banks deepen

Microfinance business thrown a lifeline but still not out of the woods

The microfinance business will remain cautious for some time to come despite a ₹20,000 cr credit guarantee scheme

Lenders favour MSME loan restructuring over moratorium amid stress

Banks prefer restructuring MSME loans over moratoriums to maintain credit discipline, as stress from US tariffs and the West Asia crisis raises concerns over repayment capacity

Payments industry must target beyond growth as RBI shifts focus to risk

As RBI pivots to risk and resilience, India's payments sector is evolving from a high-growth story to one driven by governance, trust and global integration

Privacy cannot be confined to legal or compliance teams: Ashok Hariharan

IDfy's Ashok Hariharan says privacy must move beyond checkbox consent, with firms embedding accountability, governance and breach readiness into everyday operations

India tech funding drops 23 per cent to $10.9 bn in FY26: Tracxn report

India's technology sector saw funding decline in FY26, but investor sentiment signals a gradual recovery as the market stabilises with disciplined investment and focus on fundamentals

MFI guarantee scheme offers relief, but sector faces key challenges

Centre's credit-guarantee scheme offers temporary relief to microfinance institutions, but sustainable recovery will depend on improved lending practices, risk management, and sector discipline

HDFC Bank chairman's resignation puts bank governance in spotlight

The next round of appointments to private bank boards following Atanu Chakraborty's resignation as HDFC Bank chairman will be subject to intense scrutiny by the RBI

RBI's misselling proposals may reshape how retail game is played hereupon

RBI's draft norms on misselling aim to strengthen customer protection, but raise concerns over regulatory overreach and impact on banking sales models

India shifts to active credit ownership; 183 mn track CIBIL scores

India's credit culture is evolving rapidly, with 183 million people monitoring their CIBIL scores in 2025. Gen Z is leading the shift towards proactive financial awareness and ownership

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

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

Awareness of TReDs among MSMEs needs to improve: RXIL's MD & CEO

Ketan Gaikwad speaks about the potential of TReDs and issues involved

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

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