Page 5 - Banking Sector

RBI to roll out risk-based premium model for deposit insurance from April

The Reserve Bank of India will replace the flat-rate deposit insurance premium with a risk-based framework from April 2026, aiming to reward stronger banks and encourage better risk management

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

Here's how RBI is trying to make banking easier for Indians with new rules

RBI MPC: The Reserve Bank of India unveiled plans to protect bank customers, curb digital fraud, ease loan rules for MSMEs, and simplify norms for banks, UCBs and NBFCs

Outrunning digital frauds

Fraud moves fast, so must we

Govt mulls allowing 49% foreign ownership in state banks to fund growth

The government is discussing raising the foreign direct investment cap to 49 per cent from 20 per cent, federal banking secretary M Nagaraju said

Union Budget 2026-27: Govt borrowing challenge passed on to RBI

Budget FY27 signals deeper banking reforms, possible PSB consolidation and higher borrowing, shifting the onus to RBI to manage yields and liquidity

Union Budget 2026-27: Credit rises amid improvement in asset quality

Rising credit-deposit ratios are straining bank liquidity even as RBI data shows NPAs falling largely due to write-offs, not recoveries

Union Budget 2026-27: High-level panel set to review banking sector

The proposed committee could examine long-pending issues such as corporate entry into banking, FDI norms, voting rights caps and consolidation

Union Budget 2026: What industry leaders say about reforms, capex push

Union Budget 2026 drew mixed reactions from industry leaders, who welcomed the growth and capex push while stressing the need for execution clarity, long-term policy support and reform follow-through

When banking and policy converge: Navigating a changing landscape

Private bank CEOs say faster change, sector specialisation and new products like M&A financing are key as banks adapt to shifting corporate funding and growth needs

Do NBFCs need a bank licence to grow, or is it overrated now for scale?

As regulations converge and funding widens, NBFCs say the appeal of becoming a bank is fading - but their role in last-mile credit delivery is only getting stronger

Foreign banks play a very critical role in nation-building: Experts

Foreign banks in India play to global strengths, channel foreign capital, and dominate FX and cross-border finance, complementing domestic banks in a highly competitive market

When devices think: Intelligent computing firmly comes to fintech

As fintech shifts to devices, AI, IoT, and on-device intelligence are transforming payments, lending, and fraud control, making devices central to the next phase of banking

Small finance bank label a key hindrance for expansion, say experts

With clearer RBI norms, easing microfinance stress and digital-first models, small finance banks are set for steady growth and deeper reach among underserved customers

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

SBI will double its balance sheet in 6-7 years: SBI chairman CS Setty

There is greater confidence among banks to lend to MSMEs because of data availability, and clarity in terms of their business models, says Setty

Any firm not taking IT seriously will not sustain for long: Bhattacharya

Former SBI chief Arundhati Bhattacharya says AI is reshaping leadership and banking, urging firms to embrace technology to drive inclusion, agility and better customer service

CSB Bank profit flat in Q3; shares dip 16% as asset quality deteriorates

CSB Bank's Q3 profit inched up to Rs 153 crore, but shares fell over 16% as asset quality weakened sequentially and credit costs rose despite strong loan growth

Banking operations hit as unions go on nationwide strike for 5-day week

Banking operations at public sector banks across the country were impacted on Tuesday as the United Forum of Bank Unions (UFBU) went on nationwide strike demanding the immediate implementation of a five-day work week. The strike call by the UFBU, an umbrella body of nine unions representing officers and employees, comes after a conciliation meeting with the Chief Labour Commissioner on January 23 failed to yield a positive outcome. "Since there was no positive outcome and the government did not agree to our demand, hence this strike is forced on us. Bank employees and officers are highly aggrieved that they alone are being discriminated against," All India Bank Employees Association (AIBEA), a constituent of UFBU, general secretary C H Venkatachalam told PTI. Most branches of public sector banks across the country were either completely closed or partially closed as both employees and officers were observing Tuesday's strike. Services such as cash deposits, withdrawals, cheque ...

Banking ops to be hit on Tuesday as unions strike for 5-day work week

Banking operations of public sector banks across the country are likely to be impacted on Tuesday with the United Forum of Bank Unions (UFBU) deciding to go ahead with a nationwide strike on January 27 to press for the immediate implementation of a five-day work week. The strike call by the UFBU, an umbrella body of nine unions representing officers and employees, comes after a conciliation meeting on January 23 with the chief labour commissioner failed to yield a positive outcome. With banks remaining closed on January 25 (Sun) and January 26 (Republic Day), the strike on Tuesday will result in a disruption of branch-level services for three consecutive days. "Despite detailed discussions during the conciliation proceedings, there was no assurance on our demand. Hence, we have been compelled to proceed with the strike action," All India Bank Employees Association (AIBEA), a constituent of UFBU, General Secretary C H Venkatachalam told PTI. All India Bank Officers' Confederation ..