#RBI

RBI's 5-Point Warning: Why a 24.6% Bank Buffer Might Not Save You

RBI Governor Sanjay Malhotra confirms India's financial system is surviving the West Asia crisis. But he warns that today's stability often breeds tomorrow's disaster. Explore the hidden AI, debt, and cyber risks threatening the global economy.

RBI MPC October 2026: Repo Rate Decision Set for October 7

India's Monetary Policy Committee convenes October 5 to 7, 2026, facing a historic policy call. With Q1 GDP growth at 7.8% & retail inflation broadening across half the CPI basket, the panel must decide whether to hold at 5.25% or hike to 5.50%.

Anup Kumar Saha to Succeed Ashok Vaswani as Kotak Mahindra Bank MD & CEO in 2027

RBI approves Anup Kumar Saha as Kotak Mahindra Bank's new MD & CEO for a three-year term starting January 2027. Discover his Bajaj Finance background and the strategic shift toward retail lending.

Anup Bagchi Appointed HDFC Bank MD & CEO: RBI Approves 3-Year Term

The Reserve Bank of India has approved ICICI veteran Anup Bagchi to lead HDFC Bank. The appointment concludes a highly scrutinised CEO succession process for India's largest private lender.

Apple Pay Skips UPI to Hunt India’s ₹23 Lakh Crore Card Spenders

Apple has officially rolled out Apple Pay across India in partnership with Axis Bank. The service enables tokenised NFC payments on Visa and Mastercard credit cards. However, UPI integration and domestic RuPay cards remain excluded at launch.

RBI Drains ₹75,026 Crore via VRRR: Inside the Aggressive Liquidity Flush

As banking cash overhang plunges 55% from an ₹11.16 lakh crore record, the central bank unleashes overnight reverse repo auctions, bond sales, and currency swaps to anchor short-term interest rates.

Optimo Capital Appoints Ex-RBI CGM Shrimohan Yadav Amid 179% AUM Surge

As the Bengaluru-based MSME lender chases a massive ₹1,200 crore AUM target, a 29-year central banking veteran joins its Board to enforce strict risk governance and institutional discipline.

The Defining Events of Q2 2026: Geopolitics, Markets, and India's Tech Frontier

From the escalating US-Iran conflict and its impact on Dalal Street to breakthrough AI launches and critical state elections, explore News4Bharat’s comprehensive archive of Q2 2026.

RBI’s Big Forex Move: RNFI Money Gets Perpetual Licence — What It Means for MSMEs

RNFI Money secures perpetual validity for its Authorised Dealer Category-II licence from the RBI. The expanded mandate includes Nostro accounts and MSME trade remittances, utilizing a 2.8 lakh agent network.

Top Banks in India by Asset Size, Revenue, and AUM: FY2026 Report

As India's banking sector scales new heights in FY2026, understanding the exact differences between bank assets, net interest income, and wealth AUM is critical for accurate institutional valuation.

Top Emerging NBFCs India 2026: FY26 AUM, Profit & Growth Audit

India’s financial landscape is shifting. Specialized NBFCs and digital insurers are scaling rapidly in FY2026. Discover how institutions balance AUM growth, Net Interest Margins, and strict regulatory compliance.

Did RBI Shut Down 13 NBFCs for Fraud? The Facts Tell a Different Story

Panic spread as reports claimed the RBI shut down 13 NBFCs. We audited the September 17 Section 45-IA(6) orders to reveal why most surrenders were routine business exits, not fraud shutdowns.

Apple Pay India Launch Set for October 2026: Axis Bank to Lead Rollout

The long-awaited Apple Pay India launch is reportedly set for October 2026. Apple will partner initially with Axis Bank credit cards, deliberately sidestepping the zero-MDR UPI payment network to safeguard its core transaction fee revenue.

SEBI UPI MDR Rules: How the 0.02% Fee Hits Brokers and Investors

SEBI Chairman Tuhin Kanta Pandey will examine broker concerns over the October 15 UPI MDR rules. The 0.02% charge threatens discount broker margins on pass-through client funds, sparking industry demands for an urgent regulatory carve-out.

Your Keypad Phone Can Now Make UPI Payments: Here's How PhonePe 123Pay Works

PhonePe UPI 123Pay allows users of supported feature phones to send money, pay merchants and access UPI services without mobile internet. Here's how the system works, which phones support it and what it means for India's digital payments market.

Jimmy Tata Named HDFC Bank Executive Director; RBI Approval Awaited

HDFC Bank elevates veteran banker Jimmy Tata to Whole-Time Director, designated Executive Director, as the lender strengthens its top leadership amid CEO succession, evolving credit-risk requirements & upcoming RBI Expected Credit Loss framework

SEBI and RBI Launch Demat 2.0: The ₹1,025 Crore Tokenised Bond Pilot

India pioneers a regulated digital infrastructure for tokenised corporate bonds, integrating DLT with the wholesale digital rupee (e₹) to achieve atomic settlement.

RBI Foreign Exchange Intervention Likely as Rupee Nears ₹95.80

As Brent crude oil nears $110 a barrel and US Treasury yields approach the critical 5% mark, state-run banks were seen selling dollars in a likely RBI foreign exchange intervention aimed at curbing Indian rupee volatility and market risks.

AI in Indian Banking Sector: How AI Is Transforming Finance

The Department of Financial Services says scheduled commercial banks posted a record aggregate net profit of ₹3.50 lakh crore in FY2023-24, while PSBs posted ₹1.41 lakh crore, and PSB asset quality improved with gross NPA falling to 3.12%.

New TRAI 1600 Number Rule: How to Spot Genuine Bank Calls

The Telecom Regulatory Authority of India has introduced the mandatory 1600-series numbering for banks, insurers, and brokers. This vital step helps customers verify authentic financial calls, successfully stopping devastating scams and frauds.

Suman Ray RBI Executive Director: DICGC Role Explained

RBI assigns Suman Ray responsibility for DICGC and the Premises Department. Here's what the appointment means for India's deposit insurance system.

Bank of Baroda Launches UPI Global QR Payments

International tourists and NRIs can now make seamless QR payments across India using home-country banking apps under Bank of Baroda's new UPI initiative.

RBI Central Board Directors 2026: 3 New Members Appointed

The Central Government has appointed Janmejaya Kumar Sinha, Syed Akbaruddin and Annie George Mathew as part-time, non-official directors on the Reserve Bank of India Central Board for four years from August 24, 2026.

Fino Payments Bank Extends Ketan Merchant CEO Tenure

Fino Payments Bank has approved another extension for Interim CEO Ketan Merchant, allowing him to continue for up to three months from August 27, 2026, subject to RBI approval.

S Somanath Joins RBI Central Board, Anand Mahindra Gets Four-Year Extension

Former ISRO Chairman S Somanath has been appointed as a part-time Non-Official Director on the Reserve Bank of India’s Central Board for four years. Anand Mahindra has also been reappointed to the board for another four-year term.

Green Bonds in India: A Complete Guide to the Market and Regulations

Green bonds in India have crossed ₹72,697 crore in sovereign issuance. Explore 2026 market data, SEBI rules, green spending and future trends.

Indian Rupee Near ₹95.60/$: Why It Is Falling and What RBI Is Doing

Dollar demand, crude oil and RBI's FCNR(B) swap decision are shaping the rupee. Here's what changed, who is affected and what comes next.

UPI Merchant Charges Explained: Who Pays MDR in 2026?

This explainer reflects the position after the Lok Sabha passed the Taxation and Other Laws (Amendment) Bill, 2026 on 6 August 2026. No UPI MDR rate had been notified as of 8 August 2026.

RBI Circular Tracker 2026: What Changes for Regular Customers?

RBI rules now give customers stated rights on loan prepayment, recovery calls, pledged gold, digital lending, account claims, payment checks, credit reports and complaints, but each rule has its own start date and coverage.

UPI Rules 2026: What RBI and NPCI Changed

RBI and NPCI have changed several UPI rules covering biometric authentication, selected transaction limits, recurring payments and security. Here is what applies in 2026, who is affected and what happens next.

Will UPI Payments Become Chargeable? What Users Should Know Before Worrying

UPI users are not being charged for sending money or making payments today. But a change passed by the Lok Sabha gives the Centre more control over which digital payment methods must remain free. Here is what the law says.

RBI Repo Rate Unchanged at 5.25%: What It Means for Your EMI, FD and the Economy

August 5, RBI Governor Sanjay Malhotra said all six members voted to maintain the existing rate. The committee also retained its “neutral” monetary policy stance.

CKYC 2.0 Explained: One KYC for Banks, Insurance & Mutual Funds from August 2026

One OTP could soon replace every KYC form you have ever filled. Banks, insurers and mutual funds are quietly preparing for a change that most customers do not know is coming yet.

How RBI's New Decision on Interest Rates Freezes Your EMI for Months?

The Reserve Bank of India has quietly changed the rules for loan repayments across the country. Your EMI could be frozen for months, but only if you meet one condition banks are not advertising.

RBI's New Funding Rules Just Hit India's Derivatives Market; Here Is What The Data Shows

Cheap borrowed money built India's derivatives boom. RBI just switched off the tap. What happens next to traders, brokers and everyday investors might surprise you.

AI Credit Scoring in India: How Loan Algorithms Works

Millions of Indians are being scored by algorithms they cannot see, challenge, or understand, while DPDP, RBI and Parliament are still catching up.

South Indian Bank Gets RBI Nod to Appoint Mahesh Muralidhar Pai as MD & CEO

RBI has approved Mahesh Muralidhar Pai as South Indian Bank’s MD & CEO for three years from October 1, 2026. Pai is currently Chief General Manager at Canara Bank and leads digital banking and innovation.

RBI Appoints Ravi Shankar as Executive Director

The Reserve Bank of India (RBI) has appointed Ravi Shankar as its new Executive Director (ED), effective July 1, 2026.

RBI Bond Auction 2026 Brings Rs 32000 Crore to the Table

RBI plans to raise Rs 32000 crore through a fresh bond auction on July 10, giving retail investors a fresh chance to lend money to the government and earn steady returns over the years ahead.

AI Bias in Indian Credit Scoring: Who Gets Excluded When Algorithms Decide?

AI-powered credit scoring was meant to open formal lending to India’s MSMEs, gig workers, women & rural borrowers. But without transparency, fairness audits & human review, the same technology may reproduce old exclusions in a new digital form.

India’s RegTech Market: Why Compliance SaaS Is Becoming BFSI’s Next Big Growth Story

India’s RegTech market is emerging as the next big BFSI technology opportunity, driven by digital lending rules, DPDP compliance, AML monitoring, fraud detection and RBI’s FREE-AI framework for responsible AI in finance.

RBI Rules Out NBFCs New Rules; What It Means for You?

From July 1, 2026, RBI's new IRACP rules change how NBFCs classify and provision for stressed loans offering relief to genuine borrowers while curbing repeated loan "evergreening" practices.

Why RBI Will No Longer Treat Every NBFC the Same Way?

RBI just rewrote the rulebook for India's NBFCs. Big lenders now face sharper scrutiny. Small, low-risk firms just got quiet relief. New layers, new exemptions, new deadlines — here's what changed, and why it matters to your money.

RBI’s New NBFC Rules 2026: Type I, Type II and Unregistered NBFC Explained

The Reserve Bank of India has introduced a major change in India’s NBFC regulatory framework from July 1, 2026. Under the RBI Amendment Directions notified on April 29, 2026, non-banking financial companies will now be classified as Type I NBFCs

Dark Patterns in Indian Apps: Why RBI and CCPA Are Cracking Down on Manipulative Design

RBI, CCPA and consumer reports are putting manipulative app design under the scanner. Read how hidden fees, fake urgency and pre-ticked consent boxes are changing India’s digital regulation landscape.

HDFC Bank's New Chairman Isn't a Banker — Here's Why That Matters

A former bureaucrat steps into India's biggest private bank boardroom, yet one regulatory approval stands between him and the chairman's chair.

India Gets Growth Relief As Goldman Sachs Raises GDP Forecast To 6.8 Percent

Goldman Sachs has raised India’s CY26 GDP growth forecast to 6.8 percent from 6.5 percent, citing lower crude oil prices after the US-Iran peace deal. The bank also lowered India’s inflation and current account deficit projections.

RBI's New NBFC Rules Put Tata Sons' Listing Fate Back in the Spotlight

The RBI has replaced its old scoring model with a clean ₹1 lakh crore asset threshold and Tata Sons, with assets of ₹1.75 lakh crore, sits squarely in the crosshairs.

Dr. K. Paul Thomas Named Chairman of Sa-Dhan, Signalling Stronger Focus on Responsible Microfinance

Dr. K. Paul Thomas of ESAF Small Finance Bank has been elected Chairman of Sa-Dhan, marking a key leadership change in India’s microfinance sector.

RBI Opens FCNR(B) Swap Window, Banks Seek SBLC Relaxation for NRI Deposits

Indian banks have asked the RBI to relax guarantee rules for NRI deposits, arguing that the move could attract billions of dollars in foreign currency inflowsx rese

RBI Monetary Policy Today: Repo Rate Unchanged at 5.25%, No Immediate EMI Shock for Borrowers

The next few months will be important for the Indian economy. The RBI will closely monitor crude oil prices, rupee-dollar movement, monsoon performance, inflation numbers and global developments.

Before Taking a Loan, Know Your CIBIL Score: Why It Matters for Every Borrower?

A CIBIL score is no longer just a banking term. It can affect loan approval, interest rates, EMI burden & a borrower’s financial future. Before taking a loan, every Indian borrower should understand how credit scores work?

Crude Oil Prices Today: Brent Near $111, Rupee Hits Record Low Against Dollar; Check All Details

Crude oil prices today rose sharply as global supply concerns and Middle East tensions kept markets nervous. The rise has also added pressure on the Indian rupee, which weakened against the US dollar.

India’s Economy Projected to Grow at 6.6% in FY2026-27: SBI Research Report Explained

SBI Research has projected India’s economy to grow at 6.6% in FY2026-27, down from an estimated 7.5% in FY26. While domestic consumption, credit growth and rabi output remain supportive.

Rupee Opens at ₹94.40 Against Dollar. Here's Why That's Still Not Great News!

With oil prices back above a hundred dollars, a messy geopolitical standoff in West Asia showing no signs of cooling, and a central bank that can only do so much, the Indian rupee finds itself clinging to relative stability by a thread.

ECL Framework Explained: Why India's Lenders Must Now Price Risk They Haven't Even Seen Yet

The central bank just rewired how India's lenders count money they might lose. Here's what it means for banks, borrowers, and everyone in between.

What Paytm's Bank Closure Teaches Every Indian Fintech Startup Right Now

Two Years of Slow Decline, One Final Call — The Paytm Payments Bank Era Is Over

Brent at $96: The Number That Changes Bharat's Budget Assumptions Without Warning

Brent crude touched $96.50 a barrel after the Strait of Hormuz was blocked. For a country that imports over 85% of its oil, India just got handed one of its most uncomfortable economic problems of the year.

India's Export Growth 2026: Top Sectors Driving the $820 Billion Trade Boom

Electronics has now become India’s top export category, marking a major structural shift toward high-value manufacturing.

Stock Market Today — Sensex Up 900 Points, Nifty Stands Above 24,00; Rupee at 92.60, Crude Near $100: The Rollercoaster Week That Changed India's Markets

The rupee had been under serious pressure since the Hormuz crisis began in earnest. At its weakest, it touched 93.50 against the dollar — a level that worried the RBI and pushed it to intervene through forex operations.

RBI MPC Holds Repo Rate at 5.25%: Cautious Optimism Amid Global Uncertainty

Reserve Bank of India (RBI) has decided to keep the repo rate unchanged at 5.25%, signaling a measured and cautious approach in the face of rising global uncertainties, particularly tensions in West Asia.

Kottayam Digital Banking District: Kerala’s Digital Success Story

Kottayam became Kerala’s second fully digital banking district in 2022 after Thrissur. Here’s how RBI, banks and the district administration expanded digital banking access, awareness and services across households and businesses in the district