Clipped from: https://www.thehindubusinessline.com/money-and-banking/credit-deposit-growth-mismatch-effect-banks-cost-of-raising-funds-via-cds-goes-up/article70549446.ece The average interest rate on CD issuances of 2-3 months tenor has hardened from 6.00-6.10% in the last one month to 6.50-7.00% now
Category: RBI–Banks
*Lost your bank locker keys? Know how you can replace it, how much it will cost and your legal rights – The Economic Times
Clipped from: https://economictimes.indiatimes.com/wealth/legal/will/lost-your-locker-keys-know-how-you-can-replace-it-how-much-it-will-cost-and-your-legal-rights/articleshow/126786821.cms Losing a bank locker key can be stressful, especially when important documents, jewellery or valuables are involved. Many customers are unsure whether banks
RBI ombudsman authorised to clear compensation up to ₹30 lakh – The HinduBusinessLine
Clipped from: https://www.thehindubusinessline.com/money-and-banking/rbi-ombudsman-authorised-to-clear-compensation-up-to-30-lakh/article70515676.ece The Reserve Bank will establish the Centralised Receipt and Processing Centre at one or more places to receive the complaints filed under the
*******Rupee depreciation: Is RBI intervention deferring the inevitable? – The HinduBusinessLine
Clipped from: https://www.thehindubusinessline.com/opinion/rupee-depreciation-is-rbi-intervention-deferring-the-inevitable/article70505255.ece To maintain currency stability, RBI interventions must be accompanied by a focus on domestic growth conditions, better fiscal management, controlling inflation volatility, and
*******AI-based financial scams: Set a family code word for emergency requests
Clipped from: https://www.business-standard.com/finance/personal-finance/ai-based-financial-scams-set-a-family-code-word-for-emergency-requests-126011500832_1.html Pause and verify the caller’s identity independently before transferring funds AI is supercharging financial scams with speed, scale and personalisation, making fraud harder
*Banks’ credit-to-deposit ratio hits record 81.75% as mobilisation lags – The Economic Times
Clipped from: https://economictimes.indiatimes.com/industry/banking/finance/banking/banks-credit-to-deposit-ratio-hits-record-81-75-as-mobilisation-lags/articleshow/126551281.cms Synopsis Indian banks’ credit-to-deposit ratio hit an all-time high of 81.75% as of December 31, signaling pressure to attract deposits amid robust loan
*Disputing a wrong credit card charge? Experts say timing decides refunds | Personal Finance – Business Standard
Clipped from: https://www.business-standard.com/finance/personal-finance/disputing-a-wrong-credit-card-charge-experts-say-timing-decides-refunds-126011500758_1.html Banks and card networks run on different clocks, and the earliest deadline often decides the outcome Credit Card(Photo: Shutterstock) Disputing a wrong credit
*India’s next credit reform – Opinion News | The Financial Express
Clipped from: https://www.financialexpress.com/opinion/indiasnbspnextnbspcreditnbspreform/4106555/ Financial asset tokenisation offers a way to convert data-driven inclusion into credit depth. According to World Bank data, India’s domestic credit by banks to the private
*Optimum credit-deposit ratio for banks is 76-80%, says SBI report | Banking – Business Standard
Clipped from: https://www.business-standard.com/industry/banking/cd-ratio-beyond-80-diminishes-profitability-gains-of-banks-sbi-report-126011201004_1.html CD ratio of banks stood at 82% as of December 15 The credit-deposit (CD) ratio beyond 80 per cent for state-owned and private
*97% of bank deposit accounts insured – Banking & Finance News | The Financial Express
Clipped from: https://www.financialexpress.com/business/banking-finance/97-of-bank-deposit-accounts-insured/4102335/ New RBI data reveals that 42.1% of the total value of bank deposits in India was insured as of September 2025, a slight
*Can we think of insurance for frauds: RBI DG Rabi Sankar asks banks – The HinduBusinessLine
Clipped from: https://www.thehindubusinessline.com/money-and-banking/can-we-think-of-insurance-for-frauds-rbi-dg-rabi-sankar-asks-banks/article70491829.ece Sankar added that the RBI, after talking to banks and the Reserve Bank Innovation Hub, is working on developing MuleHunter system better which
*Zero-fraud objective must to maintain public trust: RBI Deputy Governor | Finance News – Business Standard-
Clipped from: https://www.business-standard.com/finance/news/pursuing-zero-fraud-objective-necessary-to-maintain-public-trust-rbi-dg-126010901262_1.html Despite falling fraud rates in cards and UPI, India must pursue a zero-fraud goal to protect trust and expand digital payments, RBI Deputy
FinMin to review PSBs’ progress on unclaimed deposits on January 14
Clipped from: https://www.business-standard.com/finance/news/finmin-to-review-psbs-progress-on-unclaimed-deposits-on-january-14-126010900952_1.html “The meeting, to be chaired by the Joint Secretary (banking) in DFS, will assess the status of unclaimed deposits transferred to the DEA
*****RBI should hold rates as growth is strong, inflation remains low: PwC | Economy & Policy News – Business Standard
Clipped from: https://www.business-standard.com/economy/news/rbi-should-hold-rates-as-growth-is-strong-inflation-remains-low-pwc-126010900612_1.html The Reserve Bank is unlikely to cut key policy rate in the next Monetary Policy Committee (MPC) meeting next month, said PwC Partner
*Public sector banks well prepared to move to weekly reporting of credit data – The HinduBusinessLine
Clipped from: https://www.thehindubusinessline.com/money-and-banking/public-sector-banks-well-prepared-to-move-to-weekly-reporting-of-credit-data/article70477639.ece PSBs have a market share of 56.2 per cent in total advances of scheduled commercial banks Banks such as State Bank of India
*Amazon Pay partners with 7 financial entities for fixed deposits
Clipped from: https://www.business-standard.com/companies/news/amazon-pay-partners-with-7-financial-entities-for-fixed-deposits-126010600888_1.html The company said it had partnered with two non-banking financial companies (NBFCs), Shriram Finance and Bajaj Finance, along with five banks The fintech
*Bank loan-to-deposit ratios at all-time highs raise concern – The Economic Times
Clipped from: https://economictimes.indiatimes.com/industry/banking/finance/banking/bank-loan-to-deposit-ratios-at-all-time-highs-raise-concern/articleshow/126360084.cms Synopsis Banking system’s loan-to-deposit ratios hit an all-time high of 81% in December quarter, signaling a widening gap between credit growth and deposit
*Money rule changes from January 1: ITR updates to mandatory PAN-Aadhaar link – All you need to know – Money News | The Financial Express
Clipped from: https://www.financialexpress.com/money/money-rule-changes-from-january-1-itr-updates-to-mandatory-pan-aadhaar-link-all-you-need-to-knownbsp-4094137/ The New Year has brought in a litany of changes for Indian financial rules — from PAN-Aadhaar linking and pay commission updates to
Over 70% of fintechs’ loan book unsecured: Financial Stability Report | Finance News – Business Standard
Clipped from: https://www.business-standard.com/finance/news/fintechs-unsecured-loans-rbi-financial-stability-report-125123100962_1.html Unsecured personal loans dominate fintech lending, with younger borrowers accounting for over half the exposure, as the RBI highlights growth and asset quality
*Public sector banks’ staff count rises for first time in five years | Banking – Business Standard
Clipped from: https://www.business-standard.com/industry/banking/psu-banks-employee-count-rises-first-time-five-years-private-banks-drop-125123000953_1.html RBI data show public sector banks added staff in FY25 for the first time in five years, while private banks’ headcount fell, led
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