Top Indian Banking Industry News & Updates - 19 April 2025,Saturday
🗎 RBI / MoF / Govt. Policies
These banks have slashed lending rates after RBI’s repo rate cut — Check full list
The Reserve Bank of India slashed key interest rate by 25 basis points last week for the second time in a row to support growth facing the threat of reciprocal tariffs by the US. Interest rates for home, personal and vehicle loans as well as deposit rates have fallen in the ensuing days — with several major banks slashing their lending rates.
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🏦 PSB / Pvt Banks
Bank, NBFC fundraising via QIPs jumps 46% in January-March
Raising of capital by banks and NBFCs through the qualified institutional placements (QIPs) route witnessed a 46% jump to Rs 7,456 crore in the first quarter of the calendar year 2025, compared with Rs 5,100 crore in the corresponding period last year.
Earnings preview: ICICI Bank to post stable NII growth in Q4
ICICI Bank will likely post stable growth in loans and deposits, aiding nearly double digit growth in core income in Q4FY25, analysts say. The bank will report its Q4 earnings results on April 19.
Banks’ net income likely to decline 4% on margin pressure due to rate cuts
Banks are in for a bad quarter in March both in terms of net income and high pricing for liabilities, say analysts.
📝 HDFC Bank Q4 Preview: PAT may jump up to 7% YoY, NII to likely rise by up to 9%
📝 Yes Bank Q4 review: PAT may jump up to 44%, but NII faces margin headwinds
📝 India's biggest banks cut interest rates on savings accounts to protect margins amid slowing deposit growth
📝 ICICI Bank Q4 Preview: PAT may jump up to 15% YoY on robust loan growth; NII growth seen at 7-11%
📝 Cybersecurity adoption measures: Sebi tells banks to share updates
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🏦 Co-operative Banks / RRBs
📝 Nirmala Sitharaman to review progress of 'One state-one RRB' on May 6
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🏠 Housing Finance
Sundaram Home expands presence in Karnataka, targets ₹900 crore disbursements
The opening of the Tumkur branch marks the company’s second tier 2 expansion in Karnataka, following the launch of its Belagavi branch in September last year. Sundaram Home Finance now operates 18 branches across the State, including in key tier 2 cities such as Mysore, Mangalore, and Hubli, according to a statement.
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🔍 Rating / Research
📝 About 91% of Central govt's investment in FY25 focused on five key sectors: Bank of Baroda Report
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🗎 NBFCs / FIs / MFI
Get a gold loan with minimal documents with Bajaj Finance
Pune: Bajaj Finance makes it easier for individuals to access funds by offering a quick gold loan through minimal documentation. With gold loan interest rates starting from 9.50% to 26% per annum and a simple application process, this loan has become a reliable financial solutions.
📝 IDFC First to raise Rs 7,500 cr in equity capital
📝 PFC, IREDA mull legal measures against Gensol to safeguard their loan exposure
📝 NBFCs to Post Tepid Q4 Earnings Growth
📝 Jio Financial Services Limited AUM crosses Rs. 10,000 crore; FY25 PPoP at Rs. 1,594 crore
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UPIs / Wallet / FinTech
PhonePe becomes public entity ahead of IPO
Walmart-backed PhonePe has converted itself to a public entity from a private one, as it looks to launch an initial public offering (IPO) soon, according to filings with the Registrar of Companies.
SBI’s UPI transaction failure rate highest among peers in FY25; Axis Bank has the lowest, says report
State Bank of India (SBI), India's largest lender, witnessed the most number of Unified Payments Interface (UPI) transaction failures in fiscal 2025, while Bank of Baroda, HDFC Bank, ICICI Bank and Axis Bank fared much better, an analysis of UPI transaction failures showed, reported Hindu Business Line.
No GST on UPI transactions over Rs 2,000, clarifies govt; terms rumors as baseless
Government to levy GST on UPI transactions above Rs 2,000? Finance Ministry issues clarification, terms reports ‘false and misleading’
The Financial Express
📝 Revfin targets ₹750 crore in EV loans for FY26, expands leadership team
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🗠 Mutual Funds / AMCs
Motilal Oswal Mutual Fund buys additional shares of Coforge worth ₹231 crore
Diversified portfolio, market share to drive asset growth for HDFC AMC
MF inflows ride SIP wave amid market volatility, push AUM up by 23%
📝 ‘Right mutual funds can beat nifty by 3–4%’: Chirag Muni’s advice for smart investors
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🗎 Equities, Pvt. Equity / Hedge Funds
Outperformance galore: Most active equity funds beat benchmarks in FY25
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