Business
BANKING FINANCE
Mutual Credit Guarantee Scheme for MSMEs: A Game Changer for MSME Financing
Micro, Small, and Medium Enterprises (MSMEs) are the backbone of India's economy, contributing significantly to GDP, employment, and exports. Despite their critical role, MSMEs often struggle to secure loans due to lack of collateral, stringent lending norms, and perceived high credit risk by financial institutions.
5 min |
May 2025
BANKING FINANCE
The Evolution of India's Pension System: A Comprehensive Review
India's retirement framework has transformed significantly over the past two decades. The National Pension System (NPS), initially called the New Pension Scheme, marked a major shift in India's approach to pension management. More recently, the Unified Pension Scheme (UPS) represents another important development.
5 min |
May 2025
BANKING FINANCE
Bank of Baroda launches the Baroda mDigiNext Mobile App transforming Cash Management Services for Corporate Clients
Bank of Baroda (Bank) announced the launch of the Baroda mDigiNext mobile app, a dedicated cash management services app for the Bank's corporate customers using Baroda Cash Management Services (BCMS).
1 min |
April 2025
BANKING FINANCE
New Age Risks in 2025: Bumpy Road Ahead for Indian Banking Sector
India's banking sector, one of the fastest-growing in the world, is witnessing rapid changes driven by technology, regulatory reforms, evolving customer demands, fintech fuel etc. As per the Reserve Bank of India (RBI) Annual Report 2024, India's banking sector is sufficiently capitalised and well-regulated. The financial and economic conditions in the country are far superior to any other country in the world.
6 min |
April 2025
BANKING FINANCE
RBI CIRCULAR
Reporting and Accounting of Central Government transactions for March 2025 - February 28, 2025
4 min |
April 2025
BANKING FINANCE
Ethanol - A Potent Weapon to Reduce Carbon Emissions
The World Energy Forum has forecasted that fossil fuels are under high pressure of shortage and can deplete in the coming decades. Also, use of fossil fuels has led to adverse effects on the global climate. Such an alarming situation has led policymakers to think about alternate ways of energy generation.
8 min |
April 2025
BANKING FINANCE
Digital Trust in Banking - a Critical Perspective
In today's digital age, trust is paramount for financial institutions. The rise of online banking, mobile apps, and cryptocurrency exchanges has redefined customer-bank relationships. While offering convenience, these innovations also introduce new risks, demanding sophisticated security measures and unwavering commitment to customer data protection.
8 min |
April 2025
BANKING FINANCE
MSMEs: A driving force towards India's vision of 'Vikshit Bharat' by 2047
India envisions itself as a global economic powerhouse, and MSMEs will be at the forefront of this transformation. Their ability to adapt to evolving market demands, embrace new technologies, and cater to niche markets will be crucial in driving economic growth and creating a more prosperous India.
8 min |
April 2025
BANKING FINANCE
Rupee 112 Launches India's First Fully Automated WhatsApp Loan Disbursal, Redefining Instant Lending
Rupee112, a fast-emerging leader in the fintech space, has launched a groundbreaking innovation by introducing India's first fully automated loan disbursal service through WhatsApp.
1 min |
April 2025
BANKING FINANCE
Human-Machine Synergy: Leveraging AI to Transform and Empower the Workforce
The banking industry, traditionally steeped in legacy processes and manual interventions, is undergoing a seismic transformation. Fuelled by the rapid advancements in artificial intelligence (AI) and digital technology, banks are reinventing their operating models and redefining customer experiences.
10 min |
April 2025
BANKING FINANCE
Understanding Operational Risk Management in Banks
Unlike other types of financial risks, operational risks are inherent in day-to-day banking activities and require continuous monitoring and management. Effective operational risk management ensures that banks can withstand unexpected disruptions, maintain compliance with regulations, and protect their reputation and financial integrity.
8 min |
April 2025
BANKING FINANCE
Mutual Funds: Understanding Expense Ratios and Their Impact on Returns
In the world of long-term investing, it is often said that \"time in the market\" beats \"timing the market.\" While investors focus heavily on selecting the right mutual fund, index fund, or exchange-traded fund (ETF), they often overlook a critical factor that silently chips away at their returns-expense ratios.
3 min |
April 2025
BANKING FINANCE
Mutual Funds: SEBI Introduces Regulatory Framework for Specialized Investment Funds (SIFs)
This framework seeks to fill gaps between mutual funds (MFs) and portfolio management services (PMS), which allows sophisticated investors more flexibility with their investments while still being held to regulations.
3 min |
April 2025
BANKING FINANCE
Legal News
The Supreme Court upheld the constitutional validity of arrest provisions under the GST and Customs laws but also extended safeguards against arbitrary arrests to these Acts.
5 min |
April 2025
BANKING FINANCE
Implementation of New Tax Regime and Its Impact on Direct Tax Revenue
Salaried assessees constitute a significant number in the direct tax population in India. Removal of existing deductions and exemptions causes disappointment especially for the salaried employees and assessees belong to middle income group who took different tax savings scheme.
5 min |
March 2025
BANKING FINANCE
How to Convince Customers to Continue SIP in a Falling Market
Systematic Investment Plans (SIPs) have emerged as one of the most reliable ways for retail investors to build wealth over time. However, during a falling market, many investors become apprehensive and contemplate discontinuing their SIPs, fearing further losses.
3 min |
March 2025
BANKING FINANCE
What is Digital Public Infrastructure? A comprehensive introduction to DPI, its components, and benefits
Digital Public Infrastructure (DPI) is a foundational framework that enables digital transformation in a country. It's akin to the physical infrastructure of roads, bridges, and power grids, but in the digital realm. DPI provides the essential tools and systems for governments, businesses, and citizens to interact and transact digitally.
9 min |
March 2025
BANKING FINANCE
Reputational Risk: A DoubleEdged Sword for Indian Banking
The Indian banking sector has made significant strides in managing reputational risk. However, the challenges and opportunities facing the sector are evolving rapidly. By proactively addressing these challenges and embracing innovation, banks can continue to build trust, enhance their reputation, and contribute to the growth of the Indian economy.
5 min |
March 2025
BANKING FINANCE
Priority Sector Lending Norms – Historical trend and Time to realign
Climate change has led to the emergence of new concept of green financing which requires huge commitment of allocation of funds. Climate adaptation has taken centre stage at recently held COP29 at the UN global climate summit.
6 min |
March 2025
BANKING FINANCE
SAMRIDH: Leveraging Blended Finance for Quality Healthcare in India
India faces significant challenges in its healthcare system, primarily due to chronic underfunding. The government allocates approximately 1.9% of its GDP to public health, starkly lower than the global average of about 10%. This shortfall has resulted in inadequate infrastructure, a shortage of skilled workforce, and an overreliance on overstretched public facilities.
3 min |
March 2025
BANKING FINANCE
Fintech Ecosystem in India and Impacts of Paytm on RBI's Move
In today's scenario the wallet users as well as digital channel payment users are having bundle of opportunity to avail services of various service providers and without hindrance they can enjoy the benefits of digital payments.
5 min |
March 2025
BANKING FINANCE
Unlocking Financial Synergy: The Power of Co-Lending
Co-lending is an arrangement where multiple lenders, typically a bank and a Non-Banking Financial Company (NBFC), partner to provide loans to borrowers. This helps increase lending capacity and reduces risk for individual lenders. Each lender sets their own terms and conditions. This model leverages the strengths of both types of financial institutions to extend credit, especially to underserved markets.
10+ min |
March 2025
BANKING FINANCE
Legal News
In the recent Supreme Court's judgment in the CORE (Central Organisation for Railway Electrification) vs ECI-SPICSMOMCML case on the appointment of arbitrators, the intended result and reactions have been contrasting.
2 min |
March 2025
BANKING FINANCE
ICICI Bank installs units to produce water from atmospheric moisture
ICICI Bank has announced the adoption of state-of-the-art technology to produce drinking water from atmospheric moisture as part of its commitment to enhancing the sustainability of its operations.
1 min |
March 2025
BANKING FINANCE
Mutual Funds and Millennials: Changing Investment Trends in India
The investment landscape in India is undergoing a paradigm shift, driven by millennials who are redefining financial planning. Unlike previous generations, millennials are more inclined toward mutual funds as a preferred investment vehicle.
3 min |
March 2025
BANKING FINANCE
RBI CIRCULAR
Government securities transactions between a Primary Member (PM) of NDS-OM and its own Gilt Account Holder (GAH) or between two GAHS of the same PM
4 min |
March 2025
BANKING FINANCE
Combating Cyber Threats in Banking: Prevention, Detection, and Response Mechanisms
In the digital age, the Banking sector has undergone a remarkable transformation, leveraging technology to offer seamless and efficient services to customers across the globe.
7 min |
February 2025
BANKING FINANCE
Creating a Winning Sales Pitch for SIPs and Mutual Fund Products
In the competitive world of financial services, effectively communicating the value of Systematic Investment Plans (SIPs) and mutual fund products is crucial for success.
5 min |
February 2025
BANKING FINANCE
Banking in the Era of "Data Privacy": Impact of Digital Personal Data Protection Act (DPDPA) on the Banking Industry
In modern world, data is a valuable asset which helps in the revenue generation process of a company/organization.
8 min |
February 2025
BANKING FINANCE
Opportunities and Risk for Traditional Banks in Embracing Open Banking
Technology has simplified our lives by making the processes easier and integrating into our daily routines.
8 min |