Top Indian Banking Industry News & Updates - 30 Dec 2025,Tuesday
🗎 RBI / MoF / Govt. Policies
RBI 2025 playbook – easier banking
The Reserve Bank of India (RBI) used 2025 to reset its regulatory approach which involved simplifying guidelines, recalibrating earlier caution and placing greater reliance on governance. These decisions collectively eased the cost of doing business for banks without compromising the financial stability.
RBI releases Comprehensive Statistical Tables on Indian banking sector for 2024-25
New Delhi: The Reserve Bank of India (RBI) on Monday released its latest web publication titled 'Statistical Tables relating to Banks in India: 2024-25', which provides a detailed look at the activities of the country's banking sector.
Indian commercial banking sector remained resilient during 2024-25: RBI Report
New Delhi: The Indian banking sector showed a strong and steady performance during the 2024-25 period, according to a recent report released by the Reserve Bank of India (RBI). The banking industry maintained its strength through a healthy expansion of its balance sheets, which measures the total value of what banks own and what they owe. This growth happened for commercial banks, co-operative banks, and other financial institutions despite a slight slowdown compared to the previous year.
RBI rate cuts, reforms to support India's growth in 2026: Invesco Report
New Delhi: India's outlook for 2026 improved amid geopolitical challenges due to ongoing reforms and optimism in the US-India relations, said a report by Invesco Strategy & Insights.
RBI injects ₹50,000 cr via OMO purchase auction
Mumbai: The RBI injected liquidity aggregating ₹50,000 crore into the banking system on Monday by purchasing six out of the seven Government Securities (G-Secs) it had notified under the open market operation (OMO) auction to help banks overcome liquidity deficit.
Payments banks’ deposits jumped 57% to ₹25,605 crore in FY25, RBI says
Mumbai: Payments banks’ deposit base grew 57 per cent year-on-year (y-o-y) to ₹25,605 crore as of March 2025, according to the Reserve Bank of India’s (RBI) report on trends and progress in banking. As of March 2025, six payments banks were operational in India, with 81 branches.
Banks will continue to face competition from non-bank sources: RBI report
Mumbai: Banks will continue to face competition from non-bank sources in meeting the resource requirements of the commercial sector, according to the RBI’s latest Report on Trend and Progress of Banking in India.
64 lenders are now live on unified lending interface platform, RBI says
Mumbai: A total of 64 lenders, including 41 banks and 23 non-banking finance companies (NBFCs), are onboard the Reserve Bank of India’s unified lending interface (ULI) platform as on December 12, 2025, according to the latest trends and progress in banking report published by the central bank.
Banks report 30% jump in fraud amount in Apr-Sep 2025: RBI
Reserve Bank of India net sold $31.98 billion to defend rupee in Jan-Oct 2025
Banks 'resilient' but face stiff fund mobilisation competition: RBI report
FinMin colloquium to brainstorm ways to check rising debt recovery cases
Government to borrow ₹3.84 lakh crore via treasury bills in Q4
New Delhi: The government on Monday said it plans to borrow Rs 3.84 lakh crore from short-term treasury bills spread over 12 weeks during the fourth quarter of the current financial year to meet short-term funding requirements. The weekly auction would vary between Rs 29,000 crore and Rs 35,000 crore, the finance ministry said in a statement.
📝 RBI initiates review of scale-based regulation for NBFCs amid growing systemic role
📝 RBI asks microlenders to monitor stress build-up
📝 RBI to issue instructions to prevent mis-selling of financial products
📝 Rising digital frauds, mounting consumer grievances a growing concern for banks, RBI says
📝 India’s banks on firm footing as bad loans decline to decades-low of 2.1%, says RBI
📝 RBI report card says banks NPas at multi decade lows
📝 Size of bank frauds seen rising though cases on a decline: RBI report
📝 KYC lapses, backlog weaken defences against fraud: RBI
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🏦 PSB / Pvt Banks
Corporate lending by banks to revive in coming quarters amid narrowing borrowing cost: Report
New Delhi: Corporate lending by Indian banks, which has lagged overall credit growth in recent years, could see a revival in the coming quarters as borrowing cost differentials narrow and regulatory support improves, according to a latest report by Ambit Capital. The interest rate gap between bond yields and benchmark rates (EBLR/MCLR) is a key factor driving this shift, it said.
SFBs’ asset quality worsens y-o-y, CD ratio improves in 2024-25: RBI
Mumbai: Small finance banks (SFBs) saw their asset quality and profitability deteriorate in 2024-25, while their credit-deposit (CD) ratio improved, according to the Reserve Bank of India’s trends and progress in banking report released today. “Profitability of SFBs moderated during 2024-25 despite robust balance sheet growth. Net profits of SFBs declined due to a sharp increase in expenditure on provisions and contingencies. Asset quality of SFBs recorded a decline, with an increase in gross non-performing asset ratio (GNPA) ratio to 3.6 per cent at end March 2025 (from 2.4 per cent last year). The SFBs, however, remain well capitalised with the CRAR at 21.5 per cent and core CRAR (Tier 1 capital) at 18.8 per cent at end-March 2025,” the RBI said.
Private banks cut staff in FY25; PSU banks see marginal rise
Mumbai: Private sector banks reported a decline in the total number of employees in FY25, while their government-owned peers saw a marginal increase, data released by the RBI showed on Monday. The overall banking system's employees increased primarily on the back of additions by small finance banks, according to the data. The number of employees engaged by public sector banks increased to 7,57,641 from 7,56,015 in the year-ago period, while the same for private sector banks declined to 8,38,150 from 8,45,407 employees in FY24, the data showed.
Bandhan Bank sells over ₹6,800 crore stressed assets to ARCIL, Phoenix
Bandhan Bank on Monday said it has sold stressed assets worth over Rs 6,800 crore to two asset reconstruction companies — Asset Reconstruction Company (India) Ltd (ARCIL) and Phoenix ARC — as part of efforts to reduce non-performing assets and sharpen focus on core lending.
IDFC FIRST Bank unveils Gaj: - An Invitation-only metal masterpiece for IDFC private banking customers
BS Samriddhi: 'Uttar Pradesh has turned into a vibrant startup hub'
📝 Local banks healthiest in decades, small lenders gain market share
📝 Employment at private banks dips in FY25 due to a drop at ICICI Bank; inches up in PSU banks
📝 Bank profits rise for 7th year, bad loans fall to multi-year low
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🏦 Co-operative Banks / RRBs
Number of urban co-operative banks shrinks by 15 to 1,457 during FY25
Mumbai: The number of urban co-operative banks (UCBs) declined by 15 during FY25 to 1,457 due to mergers and cancellation of licences, according to RBI’s latest Report on Trend and Progress of Banking in India.
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🏦 Foreign Banks / FIIs / I-Banks
📝 Domestic funds cushion Indian markets as FIIs head for the exit in 2025
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💳 ATMs / Credit Cards
📝 ATM numbers dip in FY25 as digital payments rise: RBI
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🔍 Rating / Research
Care Ratings upgrades Shriram Finance's NCD ratings to AAA; CP at A1+
Shriram Finance on Monday said domestic rating agency Care Ratings has upgraded the ratings on its non-convertible debentures (NCDs) and subordinated debt to “AAA”. The ratings on its commercial paper have been reaffirmed at Care A1+.
📝 States still in the money as VB-G RAM G promises Rs 17,000 crore gain: SBI
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🗎 NBFCs / FIs / MFI
Muthoot Microfin’s individual loan portfolio expansion gathers momentum
Mumbai: Muthoot Microfin Ltd on Monday said the assets under management (AUM) of its individual loan portfolio crossed the ₹1,000 crore mark even as the overall AUM surpassed the ₹13,000 crore mark.
Buvanesh Tharashankar, new Group CFO of Manappuram Group
He will provide strategic financial leadership across all Manappuram Group companies and work closely with the Board and senior management to strengthen financial governance, capital efficiency, and long-term value creation.
Microfinance loan performance needs close monitoring, RBI cautions NBFCs
Dvara KGFS appoints Ramaswamy Subramanian as Deputy CEO
Non-Banking Finance Company, Dvara Kshetriya Gramin Financial Services (Dvara KGFS), has announced the appointment of Ramaswamy Subramanian as Deputy Chief Executive Officer. Prior to joining Dvara KGFS, Subramanian headed product portfolios at Karnataka Bank and Suryoday Small Finance Bank. His previous work experience also includes stints in HDFC Bank, Global Trust Bank, Reliance Mutual Fund, Reliance Capital, IndiaFirst Life Insurance, and AIMIA,
📝 NBFC balance sheets expand in FY25 on loan growth; microfinance stress persists: RBI
📝 Volatile 2025 market reshapes business group rankings; Shriram, TVS shine
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UPIs / Wallet / FinTech
📝 RediffPay starts testing ahead of UPI launch
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🗠 Bourses
BSE F&O average daily premium turnover rises 1,539%
The futures & options segment of the BSE has seen a robust growth of 1,539% in its average daily premium turnover in the past two years, even as the industry felt the pressure of several restrictive regulations by the Securities & Exchange Board of India (Sebi) over this period.
📝 IPO boom in 2026: India's primary market to see Rs 4 lakh crore capital raising next year, says report
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Crypto
📝 Bitcoin climbs to $90,000, Ethereum reclaims $3,000 as crypto market rallies
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🗠 Mutual Funds / AMCs
Disciplined MF investing to drive the investment landscape in 2026
Chennai: Despite the systematic investment plan (SIP) stoppage ratio hovering over 70 per cent for a few months, market analysts say in unison that preference for disciplined MF investing would drive the investment landscape in 2026. However, Association of Mutual Funds in India (AMFI) data show that SIP contributions have been steadily increasing to reach about ₹30,000 crore in November.
📝 SBI Mutual Fund sells 2.43% stake in Nazara Technologies for Rs 216 crore
📝 Mirae Asset ELSS Tax Saver Fund turns Rs 10,000 SIP to over Rs 29 lakh in 10 years
📝 Those with retirement plan invest more in mutual funds : PGIM India Mutual Fund
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🗎 Equities, Pvt. Equity / Hedge Funds
Is the realty slump ending? 5 reasons why PE investors are betting on a $4.4 bn rebound
Private equity investments in Indian real estate fell 29% year-on-year in 2025, even as office assets continued to attract the largest share of capital, according to a report by Knight Frank India. The report indicates that while 2025 marked a pause in private equity activity, investment momentum is expected to improve in 2026 as the cost of capital stabilises and valuation expectations begin to align. Private equity inflows into Indian real estate are projected to rise to around $4.4 billion next year, driven by selective deployment rather than broad-based risk taking.
Saurabh Mukherjea: ‘Retail SMID investors losing sight of fundamentals’
Increasing retail interest in small and mid-cap stocks is similar to what happened in Indian real estate from 2004 to 2014 when retail real estate investors had lost the sight of fundamentals, believes Saurabh Mukherjea, founder and CIO of Marcellus Investment Managers. He tell Ananya Grover in an interview that investors should increase allocation to large-caps, stop doing F&O, and consider investing globally. Excerpts:
Late-stage funding holds up as VCs back fewer, bigger bets
Late-stage startup funding in India has shown relative resilience in 2025, even as overall deal activity softened and early-stage capital remained under pressure. Series C and beyond rounds accounted for nearly 60 per cent of total capital raised this year, underlining a clear investor preference for scaled, revenue-generating companies with visibility on exits.
📝 Blackstone-backed Horizon Industrial files Rs 2,600-cr IPO papers with Sebi
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🗎 Govt. Securities / Bonds
Nabard scraps ₹7,000 crore bond issue as short-end yields stay elevated
📝 India bonds dip after RBI focus on short-term notes; state debt sale eyed
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