Thu, May 07, 2026 | UPDATED 08:44 AM IST
Voices from author
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Lessons from Claude Mythos AI model
May 5, 2026, 2:42 PM IST
As technology advances with AI to enhance efficiency and cut costs, enterprises deploying virtual assistants seek a competitive edge. The recent launch of US-based Anthropic’s Claude Mythos AI model is causing a stir due to…
May 5, 2026, 2:42 PM IST
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Mitigating cyber risks in digital payments
April 28, 2026, 2:58 PM IST
Deepening the digital payment ecosystem has been one of the most significant financial sector reforms of the past two decades, according to users. It fast tracked payment and settlement system. Instant payments through digital payment…
April 28, 2026, 2:58 PM IST
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Monetary policy April 2026 – A blueprint to tackle collateral risks
April 11, 2026, 7:43 PM IST
Amid potential collateral risks from the ongoing West Asia conflict, the RBI, while keeping the repo rate intact at 5.5 percent, flagged comprehensive upside risks to inflation and growth dynamics. While the domestic economy is…
April 11, 2026, 7:43 PM IST
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Nuances of managing ongoing collateral risks
March 29, 2026, 1:12 PM IST
The resilience of the financial sector is essential for maintaining growth and inflation dynamics, but recent rises in collateral risks due to ongoing geopolitical risks threaten its stability. As a key player in the economy,…
March 29, 2026, 1:12 PM IST
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Ring-fencing the core banking business from other risks
February 23, 2026, 3:27 PM IST
As businesses grow in size, scale, and complexity in a buoyant economy, certain known and unknown interconnected risks from incidental activities could exacerbate risks for regulated entities (REs). Contagion risks from other business activities could…
February 23, 2026, 3:27 PM IST
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Monetary policy prompts growth through credit flows
February 16, 2026, 11:26 PM IST
Monetary policy has been relentlessly focused on ways to increase the flow of credit to the productive sectors of the economy. Against the backdrop of a resilient economy and low inflation, keeping the repo rate…
February 16, 2026, 11:26 PM IST
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Inclusive growth through Union Budget 2026-27
February 6, 2026, 4:29 PM IST
India’s 80th Union Budget for 2026-27 (UB27) is termed “Yuva Shakti-driven.” Its focus is all-encompassing but specifically targeted at the poor, underprivileged, and disadvantaged. Earlier, the Economic Survey 2025-26 observed that India’s economic trajectory was…
February 6, 2026, 4:29 PM IST
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Nuances of asset quality management in banks
January 30, 2026, 3:38 PM IST
The recent Report on Trend and Progress of Banking in India” 2024-25 highlighted the continued resilience of the banking sector amid moderating growth, with double-digit balance sheet expansion, multi-decade low NPAs, robust profitability, and healthy…
January 30, 2026, 3:38 PM IST
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Strategic Thinking to Better Manage Risks
January 22, 2026, 11:11 PM IST
The financial sector landscape is becoming increasingly complex amid interoperable technology, buoyant growth, intensifying competition, demographic shifts, changing customer expectations, interconnectedness and interdependencies, rising risks, changing laws and regulations, geopolitical implications, and many other tectonic…
January 22, 2026, 11:11 PM IST
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Lenders should sharpen IBC–2016 to improve asset quality
January 4, 2026, 1:20 PM IST
Asset quality in the banking system has improved, with gross non-performing assets reaching a historic low of 2.2 percent in September 2025. While several factors have contributed to this improvement, the role of the ‘Insolvency…
January 4, 2026, 1:20 PM IST
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Monetary policy – December 2025: Right steps to boost growth
December 10, 2025, 3:47 PM IST
Based on signs of strong GDP growth and benign inflation, many economists and market experts anticipated a status quo on repo rates. Still, the RBI’s MPC unanimously decided to cut the repo rate by 25…
December 10, 2025, 3:47 PM IST
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Directing credit to promising sectors to boost the strong economy
December 3, 2025, 2:57 PM IST
The economy has been performing strongly, surprising many stakeholders. The 8.2 percent GDP growth and 8.1 percent GVA growth in Q2 of FY26 surpassed the RBI’s and the government’s forecasts. Increased consumption and a healthier…
December 3, 2025, 2:57 PM IST
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Customer-centricity – a strategic competitive advantage
October 20, 2025, 11:53 AM IST
Bank business, customer base, and the expansion of both physical and digital networks are growing, with a focus on electronic banking streams. Over the past five fiscal years (FY2020–FY2025), India’s banking sector has seen significant…
October 20, 2025, 11:53 AM IST
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Monetary Policy – October 2025, a futuristic script
October 3, 2025, 2:29 PM IST
In line with market expectations, the MPC unanimously kept the repo rate at 5.5 percent and maintained its neutral stance. The transmission of the 100-basis-point front-loaded rate cut in the current interest rate cycle remains…
October 3, 2025, 2:29 PM IST
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Transition of cheque collection systems in banks
September 16, 2025, 3:52 PM IST
Transfer of funds through cheques has been a long-standing practice worldwide. Efficient clearance of interbank cheques is crucial for a quicker payment and settlement system. It cuts costs and enables optimisation of the use of…
September 16, 2025, 3:52 PM IST
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Increasing financial inclusion – A mine of opportunity
September 9, 2025, 11:19 PM IST
The efforts for financial inclusion (FI) started with the nationalization of major banks in 1969/1980. The journey of FI included many milestones, each building on the last to promote FI further. The RBI introduced ‘No-Frills…
September 9, 2025, 11:19 PM IST
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Headwinds of bank performance in Q1 of FY26
September 2, 2025, 10:23 PM IST
While banks performed strongly in Q1 of FY26, their detailed data reveal some early signs of stress. Deposit growth at 12 percent outpaces credit growth of 11 percent, slightly easing liquidity risks. In deposit components,…
September 2, 2025, 10:23 PM IST
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A monetary policy – August 6, a script of continuity
August 9, 2025, 5:20 PM IST
As expected, the repo rate stays steady at 5.5 per cent, waiting for the full impact of earlier front-loaded measures, including lower interest rates and increased liquidity. Furthermore, after the CRR cut of one per…
August 9, 2025, 5:20 PM IST
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Prospects of banking in India
July 12, 2025, 3:29 PM IST
The recently published annual report of RBI – FY25, the Monetary Policy of RBI – June 6, 2025, and the Financial Stability Report (FSR) – June 2025, all unanimously observed that the economy is strong,…
July 12, 2025, 3:29 PM IST
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The MSME Sector deserves better, inclusive support
July 1, 2025, 1:57 PM IST
Each year, June 27 is recognized as Micro, Small, and Medium Enterprises (MSME) Day. The United Nations General Assembly designated this date in April 2017, emphasizing the crucial role MSMEs play in global sustainable development…
July 1, 2025, 1:57 PM IST
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