https://aniltikotekar4sme.com/2026/10/28/editorial-in-bs-in-gold-loans-1-one-in-every-four-to-five-borrowers-took-a-gold-loan-to-repay-other-loans-2-thus-the-new-loan-is-unlikely-to-improve-the-borrowers-ability-to-repay-3-gold-loans/aniltikotekar4sme.comen2026-10-28T14:34:52+00:00Editorial in BS- Gold loans [1] One in every four to five borrowers took a gold loan to repay other loans [2] Thus the new loan is unlikely to improve the borrower’s ability to repay [3] Gold loans are now about 5.6 trillion as of August 31 [4] Share of housing loans in household borrowing is declining [5] However debt servicing burden on households could affect overall consumption and growth in the medium term [6] This could also have repercussions for household savings with implications for overall investments in the economy– Courtesy BShttps://aniltikotekar4sme.com/2026/10/28/24-is-the-average-commission-in-health-insurance-including-new-and-renewal-policies-says-irdai-chairman-mr-ajay-seth-2-he-further-says-one-needs-to-add-cost-of-administration-and-the/aniltikotekar4sme.comen2026-10-28T12:44:22+00:0024% is the average  commission in Health Insurance –including new and renewal policies -says IRDAI Chairman Mr Ajay Seth [2] He further says –One needs to add cost of administration and then what remains in risk pool is small which leads to upward pressure on the premium rate. –Courtesy BusinessLinehttps://aniltikotekar4sme.com/2026/10/28/article-by-mr-r-mohan-former-chairman-city-union-bank-on-steps-initiated-by-rbi-vis-a-vis-forex-management-1-proposed-restrictions-on-legitimate-staggered-hedging-by-importers-need-recon/aniltikotekar4sme.comen2026-10-28T11:40:01+00:00Article by Mr R Mohan – former Chairman, City Union Bank– on steps initiated by RBI vis a vis Forex Management- — [1] Proposed restrictions on legitimate staggered hedging by importers — need reconsideration [2] concludes–RBI must ensure that its measures to contain risk do not make prudent risk management unnecessarily costly– Courtesy BusinessLinehttps://aniltikotekar4sme.com/2026/10/28/fcnr-b-statistics-worth-going-thru-courtesy-businessline/aniltikotekar4sme.comen2026-10-28T11:01:46+00:00FCNR (B) statistics worth going thru-[1] Estimated hit in NIM –Amongst top 3 private sector banks, Axis –it seems –will suffer the most [2] PSU Banks — only Union Bank–BoI and CBI r referred to [3] My suggestion–Entire chart be referred to before any conclusion — either way– is deawn –Courtesy  BusinessLinehttps://aniltikotekar4sme.com/2026/10/28/sbi-chairman-on-recent-rate-hike-1-another-50-bps-soon-2-opines-weakening-credit-cycle-and-moderation-in-the-credit-demand-are-two-different-things-3-opines-fuether-we-r-entering-the-rate/aniltikotekar4sme.comen2026-10-28T10:51:38+00:00SBI Chairman on effects of recent rate hike on credit and deposits [1] Another 50 bps soon [2] Opines — weakening credit cycle and moderation in the credit demand are two different things [3] Opines further ” we r entering the rate hike cycle with a robust growth rate ” [4] Advises banks ” What is important is in terms of your service quality and what is the value proposition you give to a customer in terms of maintaining the account — News Courtesy BusinessLinehttps://aniltikotekar4sme.com/2026/10/28/141195/aniltikotekar4sme.comen2026-10-28T10:04:37+00:00[1] An AI Bank is going to come –[2] It is not going to he 2,00,000 employees– it will probably have 200 employees — Mr Ramesh Lakshminarayan– Group Head of I.T. and Chief Information Officer HDFC Bank — News Courtesy BShttps://aniltikotekar4sme.com/2026/10/28/141193/aniltikotekar4sme.comen2026-10-28T09:47:44+00:00https://aniltikotekar4sme.com/2026/10/28/141191/aniltikotekar4sme.comen2026-10-28T02:37:37+00:00https://aniltikotekar4sme.com/2026/10/28/141189/aniltikotekar4sme.comen2026-10-28T02:37:00+00:00https://aniltikotekar4sme.com/2026/10/28/141187/aniltikotekar4sme.comen2026-10-28T02:36:09+00:00https://aniltikotekar4sme.com/2026/10/27/141185/aniltikotekar4sme.comen2026-10-27T01:09:35+00:00https://aniltikotekar4sme.com/2026/10/27/141183/aniltikotekar4sme.comen2026-10-27T00:59:19+00:00https://aniltikotekar4sme.com/2026/10/27/141181/aniltikotekar4sme.comen2026-10-27T00:58:24+00:00https://aniltikotekar4sme.com/2026/10/26/unwanted-push/aniltikotekar4sme.comen2026-10-26T15:58:08+00:00Unwanted pushhttps://aniltikotekar4sme.com/2026/10/26/does-a-company-have-a-guilty-mind/aniltikotekar4sme.comen2026-10-26T15:56:25+00:00Does a company have a guilty mind?