Pratik Bubna

NPCI profits soar, but banks struggle with UPI transactions. Experts propose two solutions to unclog India's banking networks, insights by @JochelleJourno and @BombayKaBangda. #Digitalpayments #banking. https://bit.ly/483MqDh

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In the wake of the Reserve Bank of India (RBI) proposal for the voluntary transition of #SmallFinancingBanks (SFBs) to universal banks, a wave of uncertainty looms over the clarity regarding loan portfolio diversification. Read more: https://lnkd.in/gbKkHBA8 #RBI #SFBs Explore Upcoming Initiatives: https://bit.ly/3TCsMZE Elets Technomedia | Uttam Tibrewal

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#RBI rolls out new regulatory principles for banks, #NBFCs on model risks in credit #reservebankofindia #banks #housingfinance #modelrisks #creditmanagement #borrowerselection #creditscoring #indicanews

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Sebi Proposes Modernizing Merchant Banking Regulations EP Briefs | The Economic Post | The Economic Club of India Sebi proposes modernizing merchant banking regulations after 30 years, suggesting digital certificates, recognizing foreign qualifications, and easing disclosure requirements. Changes aim to simplify compliance and enhance efficiency. #SEBI #merchantbanking #digital #management #business For details, refer the link ➟ https://lnkd.in/eBF-D263

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Sahamati released a comprehensive report on Impact of Account Aggregator on Lending in India. The report includes a study across FIUs like Banks, NBFCs, and HFCs that have implemented AA for credit disbursement. Lending has been the largest use case of AA since its official launch in September 2021 and this report provides deep quantitative and qualitative insights on growth of this industry. This is the second report on Lending using AA. The first one was released on December 2023. An abridged version of the report is available on our website here <https://lnkd.in/d7j4kJ9d>. The detailed version of the report is only for the participants of the study. #accountAggregator #lendingonAA

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📊 Breaking News in Indian Financial Regulation! 🇮🇳 SEBI Launches PaRRVA: Performance Validation Revolution 🚀 Just announced: SEBI's groundbreaking Performance and Risk Return Validation Agency (PaRRVA) is set to transform financial transparency! 🔍 Key Highlights: • First-of-its-kind performance verification mechanism • Voluntary participation for Investment Advisors & Research Analysts • Enhanced credibility for financial service providers • Pilot phase to run for two months Why This Matters: ✅ Builds investor trust ✅ Validates performance claims ✅ Promotes accountability in financial services This is a game-changing move towards more transparent and reliable financial ecosystems. Investors and financial professionals, take note! 📈 #SEBI #FinancialRegulation #InvestmentAdvisory #FinTech #Transparency

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😎Looks like those bad loans are finally🤩 behaving! 🔋💰Moody's affirms ratings of Indian banks, signifying a positive economic trend. 🔖 #India #Banking #Economy #Fintech #TrustoPaySecure #TrustoPay #Fintech #SecurePayments  #Innovation

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The RBI has released a notification laying out the roadmap for small finance banks to transition to universal banks. While the possibility of a much-coveted full-scale bank status should have been celebrated, SFBs are holding off on lighting the firecrackers just yet. In this week’s edition of The Pattern, Mayank J. explores why. Read it here: https://lnkd.in/gGU96vA5 #SmallFinanceBanks #RBI #FinancialInclusion

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The Reserve Bank of India (RBI) has introduced the Unified Lending Interface (ULI) to transform lending in India, especially for underserved borrowers. ULI streamlines the lending process, leveraging digital data to make credit access more efficient, transparent, and inclusive. Read more about how ULI is reshaping the lending landscape: https://lnkd.in/gSXEby_T

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#RBI's new LCR guidelines may intensify competition for retail deposits, hit bank margins #Banks may consider strategic measures such as limiting digital banking services for some accounts to maintain lower run-off factors, although this could dissuade customers. #RBIGuidelines #BankingCompetition #RetailDeposits #BankMargins #FinancialStrategy #DigitalBanking #BankingSector #LCRRegulations #CustomerImpact #BankingInnovation https://lnkd.in/gxRispkR

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From our #equityresearch desk:- RBI’s fortnightly credit data shows credit growth moderated in Jun’24 vs Mar’24. May’24 sector data indicates banks’ slowing growth in personal loans/credit cards and NBFCs. This seems to be a result of increase in risk weight for these segments in Nov’23. Moreover, pressure on deposit growth continued in Jun’24. Muted deposit growth and credit-deposit (CD) ratio close to higher end (78%) should keep loan growth at 14% YoY in FY25 vs. 16% CAGR last two years. Our analysts, Pankaj Agarwal, CFA, Prabal Gandhi and Pratik Matkar believe that public sector banks (PSBs) and regional banks are better-placed to manage loan-growth/NIM trade-off due to lower CD ratio and lower loan growth expectations built into valuations. #Acumenatwork

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Can loan management systems in India bridge the financial inclusion gap? By automating lending processes, it can increase access to credit for the underbanked population. Here’s how https://lnkd.in/dDe7-ejg #Finezza

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CAM Blog: The latest post on our blog by Pranjita Barman, Anirud Sudarsan and Ayushi Agrawal is on “Acquisition of NBFC-MFIs by Banks: Key Considerations” Read it at: https://lnkd.in/dgAWEBFR #BankingRegulationAct #MFIs #NBFCs #RBI #BlogsbyCAM

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1 Comment

India’s swift adoption of digital banking is remarkable, with $2.5 trillion moved via smartphones last year. However, the Reserve Bank of India’s new liquidity norms, which increase the run-off factor for digital deposits, seem counterintuitive. While the SVB collapse showcases the risks of rapid digital withdrawals, penalizing mobile banking might stifle innovation and financial inclusion. Instead, a balanced approach that bolsters overall liquidity without disincentivizing technological progress is crucial. Supporting both traditional and digital banking can ensure stability and foster continued growth in India's dynamic financial landscape.

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