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BANKING FINANCE Magazine - May 2025

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In this issue

In this issue we have covered articles on Mutual Credit Guarantee Scheme for MSMEs: A Game Changer for MSME Financing - Murali Tummala; How missing the best days in markets impacts your returns - Abhishek Tiwari; Unified Lending Interface (ULI) and Its Future in RBI's New Trinity: JAM, UPI, and ULI - Sumit Roy; IFSCA (Banking) Regulations, 2020 and their Implications for the Future of Banking - Dr. Dileep Kumar S. D.; India's Sovereign Bond Market: Opportunities to re-evolve - Neha Nidhi; The Evolution of India's Pension System: A Comprehensive Review - Dhaval Kansara; India's Global Moment: Rising Amid Tariffs and Trade Tensions - Brijesh Kumar Shukla; Professor Dr. B. K. Basu : A Person of Principles - Dr. Ram Prahlad Choudhary.

We have covered news on Banking, RBI, Industry, Mutual Fund and Co-Operative Bank News.

Besides it covers other interesting features.

Legal News

Can't open bank locker sans holder nod: HC

2 mins

Indian Traditional knowledge can Enable the Sustainable Development: Padma Shree Chaitram Pawar at India Exim Bank's Seminar

Export-Import Bank of India (India Exim Bank) organised a seminar in Hindi on “Indian Knowledge System: Environment and Sustainable Development” under the aegis of Bank, Town Official Language Committee (TOLIC), Mumbai March 10, 2025.

1 mins

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 mins

How missing the best days in markets impacts your returns

The Indian stock market has demonstrated remarkable resilience over the years, if we look at the historical performance of the BSE Sensex and the Nifty Midcap 100 indexes. Over the years, the Indian market has witnessed many events like the dotcom bubble, 2009 financial crisis and the 2020 COVID virus induced fall.

3 mins

Unified Lending Interface (ULI) and Its Future in RBI's New Trinity: JAM, UPI, and ULI

While JAM focuses on financial inclusion and UPI has revolutionized digital payments, the Unified Lending Interface (ULI) is poised to play a critical role in democratizing access to credit. Together, this trinity promises to not only bridge the gaps in the financial system but also empower individuals and businesses to thrive in the digital economy.

5 mins

IFSCA (Banking) Regulations, 2020 and their Implications for the Future of Banking

India's financial services sector has evolved from traditional banking in the pre-colonial era to a modern, technology-driven system. Key milestones include the establishment of the RBI, the nationalization of banks in 1969 and 1980, and the economic liberalization of 1991, which introduced private banks and foreign competition. Recent advancements include the Digital India initiative and the Pradhan Mantri Jan Dhan Yojana, which have enhanced financial inclusion and digital banking. The IFSCA Act, 2019, and the IFSCA (Banking) Regulations, 2020, aim to position India as a global financial hub by creating a conducive regulatory environment for international banking within IFSCs, notably GIFT City.

10+ mins

India's Sovereign Bond Market: Opportunities to re-evolve

Bank treasuries in India play a pivotal role in the sovereign bond market, actively trading in a segment that dominates the country's financial landscape. Sovereign bonds, endowed with Statutory Liquidity Ratio (SLR) status, are indispensable for institutional portfolios. These instruments provide banks with a secure avenue to deploy surplus funds while reaping significant coupon interest-a reliable revenue stream regardless of prevailing interest rate trends.

10+ mins

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 mins

India's Global Moment: Rising Amid Tariffs and Trade Tensions

The global economy is undergoing a significant shift, with protectionism re-emerging as a dominant force. Led by the United States, a fresh wave of tariffs is disrupting global trade. U.S. President Donald Trump's recent move to raise tariffs on imports from 57 countries signifies a pivotal turn in this evolving narrative.

3 mins

Professor Dr. B. K. Basu : A Person of Principles

He was the first Doctorate (Ph.D.) in Accountancy and the first D. Litt. (Commerce) in Auditing in the annals of the University of Calcutta. He has contributed towards the promotion of commerce education through his vast academic and research works in the field of management, accounting, finance and auditing.

4 mins

RBI CIRCULAR

Processing of Regulatory Authorisations/ Li-censes/ Approvals through PRAVAAH

4 mins

Read all Stories from BANKING FINANCE

BANKING FINANCE Magazine Description:

Publisher: Sashi-Publications-Private-Ltd

Category: Business

Language: English

Frequency: Monthly

BANKING FINANCE Magazine is a monthly magazine published by Sashi Publications Pvt Ltd. in Lucknow, India. It is one of the leading banking and finance magazines in the country. The magazine is known for its in-depth coverage of the Indian banking and finance industry, as well as its insights from leading experts in the field. It covers a wide range of topics related to banking and finance, including:

* Banking trends and developments: BANKING FINANCE Magazine covers the latest trends and developments in the Indian banking industry, such as new digital banking initiatives, regulatory changes, and mergers and acquisitions.

* Financial markets: BANKING FINANCE Magazine also covers financial markets, including the stock market, bond market, and currency market. The magazine provides analysis of the latest market trends and investment opportunities.

* Corporate finance: BANKING FINANCE Magazine also covers corporate finance, including articles on capital markets, mergers and acquisitions, and corporate restructuring.

* Personal finance: BANKING FINANCE Magazine also features articles on personal finance, such as saving, investing, and retirement planning.

* Risk management: BANKING FINANCE Magazine also covers risk management, including articles on credit risk, market risk, and operational risk.

BANKING FINANCE Magazine is a valuable resource for anyone who is interested in the Indian banking and finance industry. It is a must-read for anyone who is looking to stay informed about the latest trends and developments in the industry, or who is looking for insights from leading experts in the field.