Banks
-
Trends
UPI’s Free Ride Is Ending But The Bigger Story May Be India’s Search For Fiscal Room. Are India’s Banks Strong Enough For The Kind Of Shocks India May Have To Absorb Next?
For more than six years, UPI has operated on a deceptively simple proposition: move money instantly, pay a merchant, scan…
Read More » -
Trends
15.37 Crore Jan Dhan Accounts Are Inoperative. So, What Does That Number Actually Tell Us? India Opened The Accounts. But What Happened After That?
India’s Jan Dhan programme has reached a scale that would have been difficult to imagine when it was launched in…
Read More » -
Trends
RBI’s Big Reset: No Harassment, No Mis-Selling, No Forced Bundling. Why Bancassurance Economics May Never Be The Same
When the Reserve Bank of India, RBI, unveiled its draft Responsible Business Conduct Amendment Directions, 2026, much of the attention…
Read More » -
Trends
Banks Have Rules. So How Did Customer Data End Up On A Street Food Plate? If India’s Most Regulated Institutions Can’t Protect Data, Who Will?
A viral image circulating on social media has reignited uncomfortable questions about data privacy in India and this time, the…
Read More » -
Stories
Is MDR From Large Merchants The Lifeline Indian Banks Need For UPI?
India’s Unified Payments Interface (UPI) has exploded in popularity over the last few years, processing tens of billions of transactions…
Read More » -
Trends
Finally, Bank FD Interest Rates Surge To 9.5%: With 47% Of FDs Held by Seniors, Is It Time to Rethink Taxation?
There is good news for those who believe in FDs as a critical foundation in their investment portfolio. Bank fixed…
Read More » -
Trends
Can Higher FD Rates Offered By Banks Lure In Customers? The Mega Challenge For Banks To Up Deposit Growth In A Shifting Interest Rate Scenario
With interest rates poised to ease, the opportunity for banks to raise FD rates to attract customers—especially when returns from…
Read More » -
Stories
How Is NPCI’s Monster Baby UPI One Of The Reasons For The Bank’s Shattered Infrastructure, Which Resulted In Colossal Outages In The Last Handful Of Years?
UPI has grown exponentially since its launch in 2016 — from a modest 2.65 million initially to a whopping 100…
Read More » -
Trends
Axis Bank Credit Card Holders Cry Foul Over Fraudulent Transactions And “No Response” From The Bank; Why Has Banking Become Such A Pain For Customers In This Country?
Fraudulent transactions hit numerous Axis Bank credit card holders on their credit cards. Some even reported international transactions; however, even…
Read More » -
Trends
Silent Fight Between CBI And Banks Over Fair Hearing Of “Old Cases Of Fraud”, Operational Efficiency VS Legal Compliance
A quiet clash is unfolding between high-street banks and the Central Bureau of Investigation (CBI) regarding historical fraud cases. The…
Read More »