Rbi

Govt bonds fall as higher state debt sale adds to supply concerns

The surge in supply comes as demand remains weak, with pension funds shifting toward equities and insurers cutting back amid lower sales of guaranteed-return product

Growth-inflation data will determine MPC's future actions: Nagesh Kumar

The celebrations of this 'Goldilocks moment', however, were tempered by trends for October 2025 published only a few days later, suggesting that economic activity had peaked in Q2, says Nagesh Kumar

Gains from decontrol: Removing constraints offers substantial gains

While factories faced headwinds, Indian finance gained ground in the eyes of global strategic capital

Rupee, bond likely to open weak on Monday amid geopolitical concerns

The rupee may open weaker amid strong dollar demand and geopolitical uncertainty, while heavy state bond supply is set to keep government bond yields under upward pressure

2026 banking outlook: NIMs stable, assets healthy, liquidity key lifeline

After margin pressure and muted credit in 2025, banks enter 2026 with hopes of credit revival, stable asset quality and more investments, though funding and deposits remain key risks

FPIs purchase ₹7,524 crore of debt, highest single day in 7 months

Foreign portfolio investors recorded their highest single-day debt inflow in seven months on January 1, even as they exited FAR securities in December amid rupee weakness

Indian states likely to borrow record ₹5 trillion in Q4 of FY26: RBI

Indian states plan record ₹5 trillion borrowing in the January-March quarter, raising concerns over higher bond supply and upward pressure on yields

Govt panel reviews foreign banks' plans to open branches in India

Panel chaired by DFS Secretary M Nagaraju reviewed RBI proposals for foreign banks amid a gradual decline in foreign bank presence and India's push for calibrated financial liberalisation

Rupee weakens below 90 due to persistent dollar demand from companies

The rupee breached the 90-per-dollar level amid sustained corporate dollar demand and FPI outflows, even as banking system liquidity turned surplus after two weeks

States, UTs eye ₹4.99 trillion borrowing through SDLs in Q4FY26

States and Union territories plan to borrow up to Rs 4.99 trillion through state development loans in the fourth quarter, with heavy supply expected to keep bond yields under pressure

NIM stabilisation, asset quality, disciplined growth key for banks in 2026

After a year of margin pressure and muted growth, banks head into 2026 expecting NIM stabilisation, benign asset quality and a gradual revival in credit, aided by rate cuts and foreign inflows

Customer is the purpose

Banks exist to serve the customers, let us serve them well

Bank credit demand from industry gains momentum as loan growth accelerates

The data showed credit to 'Micro and Small' and 'Medium' industries continued to exhibit double-digit expansion

98.41% of ₹2,000 banknotes withdrawn since May 2023 returned: RBI

The Reserve Bank of India (RBI) on Thursday said 98.41 per cent of the Rs 2000 banknotes in circulation have been returned. The RBI had announced the withdrawal of Rs 2000 denomination banknotes from circulation on May 19, 2023. "The total value of Rs 2000 banknotes in circulation, which was Rs 3.56 lakh crore at the close of business on May 19, 2023, when the withdrawal of Rs 2000 banknotes was announced, has declined to Rs 5,669 crore at the close of business on December 31, 2025," it said. Thus, 98.41 per cent of the high-value banknotes in circulation as of May 19, 2023, have since been returned. A facility for deposit and/or exchange of the Rs 2000 banknotes was available at all bank branches in the country up to October 7, 2023. From October 9, 2023, the RBI's 19 Issue Offices are also accepting Rs 2000 banknotes from individuals/entities for deposit into their bank accounts. Apart from this, members of the public are sending Rs 2,000 banknotes through India Post from any po

RBI reiterates cautious stance on crypto assets, stablecoins for stability

RBI reiterated its cautious view on crypto assets and stablecoins, stressing that CBDCs should remain the anchor of trust and the core settlement asset in the monetary system

RBI governor urges staff to sharpen supervision, regulatory focus

The RBI staff must sharpen their knowledge, enhance their analytical capabilities, embrace technology, and continuously make improvements in processes, Governor Sanjay Malhotra added

RBI flags high-cost distribution pressures in insurance sector growth model

The Reserve Bank has flagged structural pressures in the insurance sector, saying premium growth is being increasingly driven by high-cost distribution-led strategies of insurance companies rather than operating efficiency. While posing no near-term systemic risks, the surface-level stability masks emerging structural pressures that could weigh on medium-term sustainability and coverage expansion, RBI said in its latest financial stability report. "A primary pressure is the persistence of a high expense structure, particularly the acquisition costs. Premium growth has been increasingly driven by high-cost distribution-led strategies rather than operating efficiency," the report said. It further said that while in the life insurance sector, frontloaded acquisition costs limited the extent to which scale efficiencies are passed on to policyholders. Furthermore, expected benefits from digitisation remain unrealised. "From a financial stability perspective, continuously elevated expen

RBI relaxes risk-weight rules for NBFC infra loans, revises thresholds

However, RBI denied requests to dilute termination protection clauses, calling them critical for safeguarding lenders' interests in the event of early project termination

January 2026 bank holidays: Check state-wise closures in India this month

January 2025 holiday calendar, which includes a list of bank and national holidays, is now available. For final confirmation, it is recommended to cross-check with institutional and state calendars

Yield curve steepens due to heavy sovereign issues; long-end demand weakens

RBI's FSR says higher G-Sec and SGS supply and softer demand from insurers and pension funds are keeping long-term yields elevated even as short rates fall on easing and liquidity