Category: RBI–Banks
RBI’s rupee challenge: Policymakers should not be swayed by absolute levels
Clipped from: https://www.business-standard.com/opinion/editorial/rbi-s-rupee-challenge-policymakers-should-not-be-swayed-by-absolute-levels-126040201497_1.html While the war is affecting macroeconomic dynamics in various ways, requiring intervention, economic management has become significantly complex for the Reserve Bank of
Borrowers may soon tap formal credit via ULI app across lending segments
lipped from: https://www.business-standard.com/finance/news/borrowers-may-soon-tap-formal-credit-via-uli-app-across-lending-segments-126040201134_1.html RBI Innovation Hub is building a ULI app to bring digital lending to smartphones, offering borrowers multiple loan options on a single platform
Banks seek NRI deposit window, tax relief as liquidity tightens – Banking & Finance News | The Financial Express
Clipped from: https://www.financialexpress.com/business/banking-finance/banks-seek-nri-deposit-window-tax-relief-as-liquidity-tightens/4180706/?ref=hometop_hp From FDI easing to ECB inflows and a ready Yen swap line, the RBI prefers structural tools over the NRI window India’s financial
*Credit-Deposit growth mismatch effect: Banks’ cost of raising funds via CDs goes up – The HinduBusinessLine
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
*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
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