Monetary Policy

RBI Breaks Old Orthodoxy with Regulatory Measures

By dismantling outdated restrictions and aligning banks with global norms, the RBI signals a bold break from decades of financial orthodoxy.

Sachin Malhotra

October 1, 2025 at 9:11 AM IST

Briefing

Bitcoin Inside - Are We Smelling a Super-Prime Crisis?

Strive’s $1.3 billion deal shows how Bitcoin inside corporate wrappers creates systemic risk

R. Gurumurthy

September 24, 2025 at 9:13 AM IST

Istock/BlackJack3D

Customer Service: The Missing Core of Survival in Indian Banking

India wants global banking giants by 2047, but without fixing everyday service failures, trust may erode faster than balance sheets grow.

Anupam Sonal

September 23, 2025 at 6:57 AM IST

Wikimedia Commons

Why Indian Banks Need Risk-Based Capital Charge Mechanism

The three largest banks worldwide, excluding China, consume significantly lower levels of capital than India’s three largest banks.*

Rahul Ghosh

September 18, 2025 at 6:12 AM IST

PSU Bank Mergers Without Deal-Making Skills Will Have Little Global Impact

India's state-owned banks excel at lending but lose billion-dollar deals to global rivals. Why PSU banks need deal-making DNA for Viksit Bharat 2047.

Krishnadevan V

September 18, 2025 at 5:54 AM IST

iStock.com

India’s Bank Mergers: The Folly of Mistaking Size for Strength

Consolidation of India’s public banks offers scale without substance. Without governance reform and adjustments to their business models, they risk global irrelevance despite their domestic strength.

R. Gurumurthy

September 12, 2025 at 6:05 AM IST

iStock.com/lakshmiprasad S

Why Indian Banks Are Piling Capital Faster Than Assets Can Keep Up

Indian banks are stockpiling capital at a breakneck pace. Strong profits help, but can this momentum sustain if India aims to double its credit-to-GDP?*

Rahul Ghosh

September 5, 2025 at 9:07 AM IST

RBI Must Not Outsource the Craft of Supervision

Outsourcing bank supervision to consultants risks turning judgment into checklists. RBI should modernise without losing its supervisory wisdom.

R. Gurumurthy

September 4, 2025 at 12:50 PM IST

iStock.com

Compliance, the Competitive Edge in Modern Banking

As banking embraces AI, fintech and speed-of-swipe risks, compliance must evolve from a back-office ritual into the circulatory system that sustains trust and resilience.

Anupam Sonal

September 3, 2025 at 6:18 AM IST

iStock.com/lakshmiprasad S

Why Credit Growth Remains Tepid in India

Healthy balance sheets can’t offset muted demand as higher real rates and global headwinds weigh on investment appetite.

Rudra Sensarma

August 30, 2025 at 5:35 AM IST

File Photo

Indian Banks’ Capital Comfort to Face Twin Challenges

Can Indian banks sustain their capital strength once Basel’s Pillar-II and IND-AS 109 start demanding more?*

Rahul Ghosh

August 29, 2025 at 2:53 PM IST

Wladyslaw/ Via Wikicommon

Private Banks Lead Hiring as State Lenders Lose Ground in Workforce

India’s banking workforce is growing fast, with private and small finance banks driving change. But the gains are uneven across regions, roles, and gender.

Akshi Chawla

August 13, 2025 at 6:25 AM IST

File Photo

Why Data Must Become Strategic Core of Modern Banking

Banks sit on a data goldmine, but real value will only emerge from structure, speed, security, and a clear-eyed view of risk and responsibility.

Anupam Sonal

July 14, 2025 at 6:50 AM IST

Banks Are Stronger, But Operational Risks Are Mounting

India’s banks are well-capitalised and profitable, but rising third-party and tech-related risks threaten to undo hard-won stability.

K. Srinivasa Rao

June 25, 2025 at 5:39 AM IST

iStock.com/lakshmiprasad S

PSU Bank Privatisation: All Talk, No Action

Despite repeated budget announcements, the government has made little headway in privatising IDBI Bank or other public-sector financial institutions. Investors remain wary, and policy inertia has left critical decisions in limbo.

BasisPoint Groupthink

January 31, 2025 at 2:32 PM IST

The Bureau

RBI Reopens Rate Door, December Cut Alive

US Shutdown Uncertainty Fuels Safe-Haven Demand, Drive Dollar Weakness

Benign Inflation, External Risks Keep Rate-Cut Debate Open, But for December

Most Indian Pharma Exports May Escape US Tariff, But Uncertainty Clouds Branded Generics

Moody’s Affirms India at Baa3, Flags Fiscal Constraints and Tariff Uncertainty

India’s Second Half Borrowing Plan Balances Market Needs, But Yield Relief Hinges on RBI

Eight Years, Many Judgements Later Bhushan Power Stays with JSW

Venkat Chalasani on AMFI, Ethics, and Financial Literacy

Jallikattu: Tamil Nadu’s Ancient Bull-Taming Tradition