Selected Tag: NBFCs

The Trouble With India’s Growing Household Debt

Can rising household debt sustain India’s consumption growth when incomes are struggling to keep pace, or are borrowers approaching the limits of what they can afford?

Vivek Kaul

November 5, 2026 at 3:06 AM IST

iStock.com

Banking Reform: Can Another Committee See Beyond Regulatory Silos?

India's banking reform challenge goes beyond creating bigger banks. The new committee must confront regulatory silos, institutional autonomy and systemic risks

R. Gurumurthy

November 2, 2026 at 6:41 AM IST

istock.com

Bank Credit to Services Sector Surges 28.3% on Year in September

BasisPoint Insight

October 30, 2026 at 12:36 PM IST

An Inspection Is Not an Assurance

Identifying vulnerabilities in a financial institution is the responsibility of those running the institution, not those inspecting it

Rahul Ghosh

October 5, 2026 at 8:54 AM IST

istock

When Regulators Might Be Right but the Timing Might Still be Wrong

Regulatory certainty is not only about what the rule says but also about when the rule is applied and timing of policy changes

R. Gurumurthy

September 18, 2026 at 3:56 AM IST

Meta Doesn’t Need CRED’s Loan Book. It Wants the Borrower Signal

Meta’s reported CRED investment keeps it away from Indian lending risk. That may be the clever part. The real prize is proximity to India’s cleanest credit behaviour.

Krishnadevan V

July 8, 2026 at 6:36 AM IST

Cautious Optimism for Credit in 2026-27, but Rate Relief Remains Elusive: India Ratings

BasisPoint Insight

January 21, 2026 at 11:32 AM IST

Court Unquote

Delhi Riots Bail Case, Adani Power, Stray Dogs, Legal Moves & More

Your weekly rundown of significant judicial rulings and legal battles influencing policy, companies, regulation, and governance

BasisPoint Insight

January 13, 2026 at 9:42 AM IST

Nadinlargo/Istock.com

Regulation for a No-Pause Financial System in a Fast-Moving Economy

India’s financial system cannot be governed by rear-view regulation. The RBI must move from rule-making to system design, balancing stability, innovation and trust.

Anupam Sonal

December 30, 2025 at 6:19 AM IST

Opinion

SME Credit: Too Political to Fail, Too Risky to Fund

SME credit isn’t stalled for lack of schemes, but because banks are asked to lend politically and price risk commercially—an impossible mix that turns credit into entitlement and caution into policy failure.

R. Gurumurthy

December 29, 2025 at 7:36 AM IST

IStock.com/paulprescott72

Opinion

A Year of Recalibration at Mint Street

Governor Malhotra’s first year at the RBI brought cleaner rules, quieter reversals, and a distinct shift in tone as the technocrat adjusted to the institution’s rhythm.

Kalyan Ram

December 11, 2025 at 5:25 AM IST

RBI Tweets

Monetary Policy

A Rate Cut Now Could Strengthen India’s Growth Cushion

With inflation at historic lows and growth surprising on the upside, the RBI may opt for a calibrated repo rate cut to protect India’s global position.

K. Srinivasa Rao

December 1, 2025 at 7:02 AM IST

Why India Still Lacks a Credible Framework to Resolve Failing Banks

India shelved its FRDI Bill amid public panic, exposing deep trust and capacity gaps. Without a credible resolution regime, the next financial failure could prove far costlier.

R. Gurumurthy

November 23, 2025 at 8:05 AM IST

Where Have All the Bankers Gone? India’s De-Risked Banking Paradox

In saving its banks from collapse, India has saved them from competition. In shielding them from loss, it may have shielded them from relevance.

R. Gurumurthy

November 4, 2025 at 6:34 AM IST

iStock.com/lakshmiprasad S

Central Bank Ombudsman Faces its Own Test

A Bombay High Court case revives questions about the limits, fairness, and future of RBI’s redress architecture

Anupam Sonal

November 3, 2025 at 6:46 AM IST

RBI Loosens the Leash, Banks Must Tighten Risk

India’s new credit freedoms mark a turning point for banks, but the real reform lies in how they recalibrate risk, governance, and talent.

K. Srinivasa Rao

October 8, 2025 at 10:41 AM IST

Small Finance Banks: Leading India’s Financial Inclusion

Can India’s Small Finance Banks keep inclusion profitable as they expand deeper into rural markets and face rising credit, cost, and technology risks?

Babuji K

October 6, 2025 at 9:52 AM IST

aubank.in

Provisioning for Appearances: RBI’s Half-Hearted Tryst with ECL

Has the RBI truly embraced global best practices, or just adopted them for appearances? India’s half-hearted ECL rollout exposes a deeper discomfort with accountability.

R. Gurumurthy

October 6, 2025 at 4:37 AM IST

Monetary Policy

Banks Poised to Challenge NBFCs As RBI Unshackles Restrictions

RBI relaxes capital market lending, acquisition financing norms and higher share lending limits for banks after decades of restrictions

Krishnadevan V

October 1, 2025 at 10:10 AM IST

Basel Guardrails must Balance Stability, Innovation for NBFCs

India’s NBFCs need Basel guardrails that ensure resilience without choking innovation. Proportionality and clarity hold the key.

Babuji K

September 30, 2025 at 1:13 PM IST

Wladyslaw Sojka/Via Wikicommons

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

India Hopes GST Rate Cuts Might Have Just Triggered Its Biggest Consumer Boom

India's GST overhaul delivers massive stimulus at ₹480 billion cost, hoping to bolster consumption.

Krishnadevan V

September 4, 2025 at 2:03 PM IST

iStock.com

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

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

Getting credit flow where it matters most

India’s lenders look flush and NBFCs are growing, yet without private capital stepping up, the credit engine risks running idle.

Sujit Kumar*

August 22, 2025 at 7:06 AM IST

iStock.com

Basis Shorts

November 4

Bond Market's November Rally May be Short-Lived

From America's first Muslim senator to a Democratic Texas: The many firsts of the US midterms

Festive Cheer Reaches Gilt Market; Three-Day Rally Reverses 17 Sessions of Yield Rise

A D-Rated Company With ₹200,000 in Cash Wants ₹3 Billion, Offers 18%

Marico Lets the Coconuts Pay for the Commercials

November 3

NSE Gets a Lift From Some Missing Baggage

Central Banks Are Buying Gold for Security, Not Just Returns

The Bureau

Asian Markets Gain After Wall Street Rally as Oil Prices Slide

Indian Equities Edge Higher for Fifth Day as FMCG, Realty Stocks Lead Gains

POLL: Benchmark 10-Year Gilt Yield Seen Rising to 7.35% by November-End

Democrats Win US House, Secure Control of Both Chambers of Congress

India services PMI hits four-month high in October

RBI Names Seven External Members to Financial Markets Consultative Committee

India's Energy Transition: The Hard Part is Yet to Come