The asymmetry in deposit and credit growth is the biggest challenge before the Indian banking industry. For every 100 deposit that a bank mobilises, it needs to keep 3 with the banking regulator in the form of cash reserve ratio on which it doesn't earn any interest. Another 18 is used for buying government bonds (statutory liquidity ratio). This means, a bank is left with 79 for giving credit. Add to this, its capital which can be used for giving loans. Most banks are facing a fund crunch. They need to find ways to attract deposits if they want to sustain credit growth, explains Tamal Bandyopadhyay.
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Shareholder payouts by India Inc, including dividends and buybacks, increased by 2.2 per cent year-on-year in FY26 to $5.06 trillion, but this growth lagged the 18.8 per cent rise in reported net profit for the third consecutive year, leading to the lowest dividend payout ratio in 12 years.
A 38-year-old woman arrested here last week was allegedly preparing to travel to Pakistan via Nepal to marry a suspected terrorist commander believed to be a close associate of banned Jaish-e-Mohammed chief Masood Azhar, officials said in Jaipur on Thursday.
Gujarat's Gir Somnath police have busted a massive cyber fraud racket involving over Rs 310 crore in suspicious transactions through mule bank accounts, arresting five individuals. This operation, part of the state-wide "Operation Mule Hunt 2.0," is considered the district's largest cybercrime case to date, aiming to recover victims' money and curb illegal account rentals.
The internecine war within the Trinamool Congress took a new turn on Thursday with "party treasurer" Aroop Biswas writing to a bank seeking restrictions on the operation of the party's accounts, citing uncertainty over its legitimate leadership amid rebellions by MLAs and MPs.
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A peace deal between the US and Iran, set to be signed in Geneva, faces significant hurdles over the release of Iran's USD 12 billion in frozen assets, with conflicting reports from both sides on the conditions for their release.
Gen Z is a generation that has been raised in a digital-first era, where shopping, payment, and monetary transactions are done within seconds via smartphones. Moreover, the new flexibility offered by investing platforms is encouraging young investors to opt for investment frequencies that align with their spending patterns and lifestyle. This change has brought up an interesting debate on whether daily and weekly SIPs are better than monthly investments.
Indian equity benchmark indices Sensex and Nifty closed lower on Thursday, driven by escalating tensions between the US and Iran, persistent foreign fund outflows, and concerns over rising US inflation.
Rising income feels like success but unchecked lifestyle inflation traps urban professionals into financing a more expensive version of living paycheck-to-paycheck -- buying material upgrades instead of true future financial freedom.
Of course, NOT! Here's why. And here's how you can increase your Rs 1 crore retirement corpus.
CRISIL Ratings predicts that the share of bank loans in NBFCs' overall borrowings will increase to 44-45 per cent by FY27, driven by elevated bond yields and softening bank lending rates.
Indian benchmark indices Sensex and Nifty rallied in early trade, driven by a positive trend in global markets, cooling crude oil prices following a US-Iran peace deal, and fresh foreign fund inflows.
Amitabh Jhunjhunwala, former group managing director of Anil Ambani-led Reliance Communications, has been remanded in 14-day judicial custody in an alleged bank loan fraud case. The CBI alleges misutilisation of loan funds, causing significant losses to a consortium of banks led by SBI.
A political controversy has erupted in Navi Mumbai after Maharashtra Deputy CM Eknath Shinde's name was omitted from official invitation cards for a civic event, leading to protests by Shiv Sena workers. The incident has also exposed infighting within the BJP, with an MLA accusing a minister of sabotaging her projects and falsely claiming credit.
The Union Housing and Urban Affairs Minister's announcement of four 'Namo Cities' aims to decentralise development and decongest Delhi, but experts warn that the initiative may face execution challenges similar to previous urbanisation plans due to inadequate coordination among NCR states.
'AIS helps taxpayers check whether all income streams and reportable transactions -- such as interest from old bank accounts, small dividend receipts or transactions across multiple brokers -- have been properly disclosed.' 'Mismatches between these transactions and declared income may trigger automated notices or scrutiny.'
The Enforcement Directorate (ED) has arrested a former Kotak Mahindra Bank executive, Pushpinder Singh, alleged to be the mastermind of a Rs 145-crore fraud involving Panchkula municipal corporation officials, bank employees, and private individuals.
RSS chief Mohan Bhagwat has firmly rejected demands for the organisation to register itself, asserting that the Sangh operates openly and has nothing to hide. Responding to Karnataka Home Minister Priyank Kharge's call for registration, Bhagwat stated that such demands are politically motivated and that the government is well aware of the RSS's existence and activities.
The SIF vertical, which allows MFs to offer complex products to relatively sophisticated investors, has managed to garner scale in just seven months of the launch of the first products.
A parliamentary committee has voiced concerns over ongoing examination irregularities despite government measures, recommending the Ministry of Education publish a time-bound roadmap for reforms. The panel also urged a nationwide blacklist of firms involved in exam processes and suggested utilising the National Testing Agency's financial surplus to enhance its capabilities.
'We thought everything will be back to normal within one month. Now it's four months and still a final solution is miles away.'
Kerala Police chief Ravada Chandrasekhar highlighted cyber fraud as a serious social challenge, particularly targeting youth, during the inauguration of 'RBI Reelathon 2026'. This multi-phase awareness campaign by the Reserve Bank of India aims to engage college students in combating cyber financial frauds through creative content creation and timely reporting.
Residents of Meghaninagar vividly remember the explosion that shook the neighbourhood on the afternoon of June 12, 2025. An Air India Boeing 787 Dreamliner bound for London had crashed into the hostel blocks of B J Medical College. A massive fire broke out, sending clouds of smoke into the sky.
The Enforcement Directorate (ED) is set to appeal the Delhi High Court's decision to quash a money laundering case against news portal NewsClick and its editor-in-chief Prabir Purkayastha, arguing that the High Court 'overlooked or left unaddressed' critical contentions regarding alleged FDI rule violations and false representations to authorities.
German national team players are reportedly funding bus transport for 600 fans to their final World Cup Group E game against Ecuador in New Jersey, addressing concerns over significantly increased public transport costs during the tournament.
The Delhi high court has ordered social media companies and online service providers to remove 'false' information circulating online about Indian judges and Union ministers allegedly participating in a badminton tournament in London at taxpayers' expense. The court deemed the content malicious and a systematic misinformation campaign aimed at undermining the judiciary and executive.
Gurugram Police have arrested a man from Hapur, Uttar Pradesh, for his alleged involvement in an Rs 8.30 lakh cyber fraud. The accused provided his bank account, which was used to receive the cheated amount from a victim who was subjected to a "digital arrest" by fraudsters impersonating government officials. The investigation is ongoing to trace other individuals involved.
Gurugram Police have arrested a man from Hapur, Uttar Pradesh, for his alleged involvement in an Rs 8.30 lakh cyber fraud. The accused provided his bank account, which was used to receive the cheated amount from a victim who was subjected to a "digital arrest" by fraudsters impersonating government officials. The investigation is ongoing to trace other individuals involved.
Emirates NBD Bank has successfully acquired a 60 per cent majority stake in RBL Bank through a primary capital infusion of approximately USD 2.75 billion, marking the largest foreign direct investment in India's banking sector.
Maharashtra Deputy Chief Minister Eknath Shinde announced the completion of "Operation Tiger" as six Lok Sabha members from the Shiv Sena (UBT) officially defected to the ruling Shiv Sena. This move further formalises a split in the Uddhav Thackeray-led faction, strengthening Shinde's party and marking a significant political development in Maharashtra.
Shares of gems and jewellery firm Rajesh Exports Ltd dropped 5 per cent to hit the lower circuit limit after capital markets regulator Sebi barred its promoter and CEO Rajesh Mehta from dealing in the company's securities, alleging large-scale misrepresentation of financial statements and diversion of funds.
A referendum 10 years ago on this day set the United Kingdom on a new path as a non-member of the European Union (EU) and the turmoil of that Brexit vote continues to play out as the country prepares for its seventh prime minister in a decade.
A doctor in Anantnag, Jammu and Kashmir, has been suspended following an inquiry into alleged large-scale procedural irregularities, including a pacemaker implantation scam where nearly 50 per cent of evaluated patients underwent unnecessary advanced cardiac surgical procedures. The inquiry revealed fraudulent insurance claims, patient exploitation, and manipulation of medical records.
For Valerian Vincent, who works a night shift for a US-based company, fatherhood means squeezing playtime, learning and love into the few precious hours he gets with his one-and-a-half-year-old son.
Odisha Vigilance arrested a cooperative official, Patitapaban Majhi, for allegedly misappropriating over Rs 33 lakh in government funds during his tenure at the Garhsantri Service Co-operative Society.
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The Enforcement Directorate (ED) has arrested a real estate businessman in connection with the alleged embezzlement of Rs 645 crore from bank accounts linked to the Haryana government, Chandigarh administration, and private schools.
While India's interplanetary ambitions remain significant, the current pace of financial and technical progress raises questions about whether the 2027-2028 timelines can be met.
