68 articles on Banking, Credit & RBI, authored by the Finin2min editorial team.
Why credit expanding faster than deposits increases competition for funding and can pressure loan pricing.
Why banks still need stable deposits even when aggregate rbi liquidity appears adequate.
What the casa ratio reveals about funding mix and why current and savings accounts are not permanently cheap.
Why lending spreads can narrow before credit losses appear in headline npa ratios.
Why provisions and fresh slippages can signal stress earlier than the gross npa ratio.
Whether fast growth in personal loans and credit cards creates future household and bank stress.
What fast gold-loan growth and revised loan-to-value rules mean for collateral and borrower outcomes.
How borrowing from multiple microfinance lenders can turn reliable repayment into a household debt trap.
Who bears origination, funding, servicing and default risk when banks and fintechs share a loan.
How banks package and transfer loan cash flows while retaining varying levels of risk.
What state-level credit-deposit ratios reveal about savings mobilisation and regional credit allocation.
How priority-sector targets redirect bank credit and affect inclusion, pricing and bank economics.
Why a strong provision coverage ratio does not by itself prove recoverability or asset quality.
How stressed loans can be extended, refinanced or restructured without solving the borrower’s business problem.
Why accounting profit does not determine how much a bank can safely lend.
How the liquidity coverage ratio tests a bank’s ability to survive a 30-day cash outflow scenario.
Why a bank can own valuable long-term assets yet fail to meet immediate withdrawals.
How interest-rate changes create economic losses in securities and fixed-rate loans held by banks.
How instant payments, social media and mobile banking accelerate deposit-flight risk.
Why small finance banks combine attractive loan yields with expensive deposits and concentration risk.
How ownership, local concentration and governance risks make cooperative banks different from commercial banks.
How india’s ₹5 lakh deposit-insurance limit applies across branches, accounts and separate banks.
When transfer to a bad bank or asset reconstruction company produces cash recovery rather than accounting movement.
Why banks favour granular retail credit when corporate demand is weak and what changes during a capex cycle.
A disciplined framework for reading a bank’s growth, funding, margins, risk, capital and valuation together.
RBI permits UPI access to eligible pre-sanctioned credit lines offered by regulated banks, subject to applicable instructions and product terms. Where the…
RBI’s Account Aggregator directions govern NBFC-AAs and the consent-based transfer of specified financial information between regulated participants. The AA…
The Reserve Bank of India (Digital Lending) Directions, 2025 apply to regulated banks, co-operative banks, NBFCs including housing finance companies, and…
RBI’s digital-lending framework requires regulated entities to report short-term, unsecured or deferred-payment credit to credit information companies. The…
RBI’s card directions govern issuance, conduct, billing, closure and customer protection. Reward programmes remain subject to the issuer’s disclosed terms and…
Visa and Mastercard do not normally lend the money spent on their networks. Their core economics come from moving information and authorising transactions…
There is no lawful process in which police, CBI, customs, telecom or a court keep a person under 'digital arrest' on a video call and demand transfer to a safe…
A money-mule account receives, holds or passes suspected criminal proceeds. Some holders knowingly rent accounts; others are deceived by job, commission or…
A SIM swap or fraudulent replacement gives a criminal control over calls and SMS, potentially enabling password resets and OTP interception. A sudden loss of…
The RBI Integrated Ombudsman Scheme offers a free, centralised route for specified deficiency-in-service complaints against covered banks, NBFCs…
Digital evidence can vanish when a scammer deletes a group, changes a username, withdraws an advertisement or blocks the victim. Preserve the original context…
A wrong loan, overdue, ownership tag or account status can affect credit decisions. The dispute should be raised with both the credit institution that supplied…
Before accepting any one-time settlement, calculate the cash relief against the possible future cost of a weaker credit profile.
A fast sanction is not informed consent: the regulated lender, Key Fact Statement and Annual Percentage Rate should be visible before you borrow.
The right question is not merely “was I late?” but “which contractual breach, amount base and disclosed charge produced this figure?”