Page 43 - Banking

Banking system safe, IndusInd crisis an episode & not failure: RBI Guv

Reserve Bank Governor Sanjay Malhotra on Wednesday said that the cases of failure of cooperative banks in the last 7-8 years are very small compared to the overall size

PSBs share in loans rises sharply in FY25: Monetary Policy Report

State-owned lenders use SLR surplus for disbursements

Bank of India, UCO Bank cut lending rate in line with RBI's policy

Both public sector banks, in separate regulatory filings, said the rate revision has been done following the RBI's reduction in the short-term lending rate

RBI issues draft rules for gold loans to standardise norms across lenders

RBI said the policy will strengthen conduct-related aspects, with lending norms integrated into lenders' credit/risk management policies

Banks may write off stressed loans worth Rs 1.5 trillion in FY26: Icra

Credit growth to expand at 10.8-10.9% on regulatory easing

Bandhan Bank launches Elite Plus; Bank of Baroda unveils new term deposit

The savings account will allow customers to deposit unlimited cash each month, with free RTGS, NEFT, and IMPS transactions

Five-day banking week proposal unlikely to be implemented in FY26

The official further explained that such a change could negatively impact banking services, particularly on Saturdays, which remains a critical day for many customers to complete their banking txns

Govt announces 'One State, One RRB' implementation from May 1, 2025

The new structure is aimed at improving the efficiency of the RRBs and minimising competition among the public sector banks that sponsor them, as part of FinMin's "One State, One RRB" policy

Q4 result preview: Banks' net profit likely fell 4% on NIM pressure

Loan growth is expected to have further slowed down amid low demand in certain secured products, stress in the unsecured segment, and a high CD ratio across the system

Indian banks recovered over Rs 14k cr, twice he owed, claims Vijay Mallya

As per the annual report of the ministry, a complete amount of attached properties worth Rs 14,131.6 crore has been successfully restored to the Public Sector Banks in the case of Vijay Mallya

Internal restructuring to ensure seamless solutions, says Yes Bank

The internal restructuring is a strategic initiative designed to ensure seamless and consistent solutions at every touchpoint

FinMin to implement 'one state, one RRB' soon to improve efficiency

The financial year 2021-22 was a watershed year in the context of RRBs as the Centre decided to infuse Rs 5,445 crore as its share over a period of two years to facilitate growth capital

Women hold 39.2% of bank accounts in India, 42.2% in rural areas: Mospi

A MOSPI statement said that the report highlights that women own 39.2 per cent of all bank accounts and contribute to 39.7 per cent of total deposits

Bank credit growth declines sharply to 11% in FY25, shows RBI data

Reserve Bank of India (RBI) data showed deposit growth moderated to 10.3 per cent in the fortnight ended March 21, 2025 (last fortnight of FY25), from 13.5 per cent in FY24

Union Bank of India to BoI: Large PSBs miss FY25 deposit growth targets

Credit grew faster than deposits

HDFC Bank gains Rs 1.5 trn in deposits, CD ratio drops to 97% in Q4

As a result, HDFC Bank's credit-deposit (CD) ratio declined to 97 per cent at the end of March 2025, a drop of 800 basis points (bps) since March 2024

Banks park record Rs 4.13 trillion with RBI in standing deposit facility

This marked the highest amount banks have parked in the SDF since its introduction in April 2022

As Mudra turns 10, signs of beneficiaries moving into higher loan bracket

The share of Shishu accounts declined to 51.7% of the total in FY25 while Kishor accounts' share has increased to 44.7%, suggesting some Shishu account holders have grown and availed Kishor loans

Recent decline in headcount not due to AI use: SBI Deputy MD Nitin Chugh

The nature of jobs will undergo a transformation going forward, Chugh said

HDFC Bank's deposits increase 14%, gross advances grow 5.4% in Q4

The bank has securitised Rs 57,000 crore of loans in FY25, and in Q4 alone, the bank has securitised Rs 10,700 crore of loans