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DEPOSITOR DISCIPLINE
The most effective savings products may be the ones that feel responsiveIndian households are changing how they save. Digital finance means people see their money grow more often. Banks are now offering monthly ...- FinMin to meet chiefs of PSU banks on Fri to review credit flow to agri, MSME sectorsPublic sector banks posted record profits of Rs 1.98 lakh crore in the financial year ended March 2026. The finance ministry will meet bank...
- State banks record all-time high net profit of Rs 1.98 lakh crore in FY26: FinMinPublic Sector Banks have achieved a record net profit of Rs 1.98 lakh crore in FY 2025-26, marking their fourth consecutive year of strong ...
- Supervision must look beyond formal compliance, says RBI Deputy Guv Swaminathan JRBI Deputy Governor Swaminathan J. warns that weak oversight in banking can lead to hidden risks. He stresses that supervision must go beyo...
- Give credit where it’s due: Why India’s private debt market shares none of the structural problems driving current US stressIndian private credit is not facing the same issues as the US. US private credit stress stems from fund architecture, not bad loans. India'...
- Minimum balance, only banks win while depositors lose outICICI Bank's MAB hike controversy has brought the practice under scrutiny, questioning its appropriateness. Introduced in the 1990s amid de...
- RBI deputy guv flags concerns over quality of disclosures by some NBFCsRBI Deputy Governor M Rajeshwar Rao, at the Conference of Statutory Auditors and CFOs of Commercial Banks, urged better NBFC disclosures, e...
- Warren Buffett lessons for SVB, Signature bankers and wealthy depositorsIf all deposits were insured, no one would fear losing their cash and perhaps there would never be bank runs. Certainly, the FDIC wouldn’t ...
- How work of Nobel economics winners is relevant for our timesBernanke and fellow laureates Douglas Diamond and Philip Dybvig are being honoured for producing the knowledge that allows the textbook to ...
- View: How retail participation has changed the DNA of Indian marketsIncreased domestic investor participation in markets have affected bank deposits. The fact that real returns from bank deposits have been n...
- RBI asks banks not to open current accounts for customers having cash credit, overdraft facilitiesIn a notification, the central bank said that rather than opening a new current account, all transactions should be routed through Cash Cre...
- What is Capital Adequacy Ratio for banks?The risk-weighted assets take into account credit risk, market risk and operational risk.
- How to make the FRDI bill more effectiveThe new Act should consider keeping its ripple effects on other laws to the minimum.
- View: It's time to revise the limit of deposit insurance coverThe coverage limit is required to be reviewed periodically, as the economic and financial landscape changes.
- NMCE shifts to e-warehouse receipts for July deliveryThe receipts have been issued in coordination with Warehousing Development and Regulatory Authority and National E-Repository Limited.
- Government will take strict decisions to discipline the co-operative sector: Devendra FadanvisFadanvis said that the move is aimed at bringing discipline in the sector and generating trust in the minds of people about these institute...
- Builders’ woes stem from flawed market for real estateIf builders are in financial difficulties today, deficient policy that sends out all the wrong incentives to builders is primarily to blame.
- Should bondholders be bailed out?The best policy should categorically exclude bondholders from the set of potential beneficiaries of government bailouts.
- PSBs move to cap bulk deposit rateChief executives of a few public sector banks have come together to persuade their peers from other state-owned banks to cap interest rates...
- '6% Islamic banking' advisory lends BJP a theme songThe government’s fiat to bankers for earmarking 6% of the loan disbursements for members of the minority community on Wednesday gave yet an...
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