Poging GOUD - Vrij
RBI current account proposal divides private, state-run banks
Mint Kolkata
|November 11, 2025
swered.
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The proposal may have far-reaching implications for banks' deposit and fee income structures.
(REUTERS)
That said, the RBI proposed that banks-whether they have loans to that borrower or not-can open collection accounts, which receive the customer's cash inflows.
However, RBI said money credited into these accounts will need to be remitted within two working days to a designated transaction account like a current account.
The proposal may have farreaching implications for banks' deposit and fee income structures.
"Suppose bank A has lent ₹90 crore and bank B has lent ₹10 crore to a company with ₹100 crore total borrowing. Currently, if the corporate's collections come into B's account, bank A could demand 90% of those funds, and this will be transferred to its current account. This would reduce bank B's current account balances," a banking expert said on the condition of anonymity.
Dit verhaal komt uit de November 11, 2025-editie van Mint Kolkata.
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