ECL shifts Indian banking to forward-looking provisioning, strengthening resilience and risk pricing, but hinges on data depth, governance rigour, and model discipline.
K. Srinivasa Rao
May 4, 2026 at 9:49 AM IST
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Once neutral data pipes, credit bureaus now decide who gets to borrow, build or belong. India must regulate them as public utilities before exclusion hardens.
R. Gurumurthy
January 16, 2026 at 9:26 AM IST
