Banking
Latest news, explainers and analysis on Banking. Tracking 21 stories on Arth Vani.
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Latest on Banking
Fixed Deposits: What Indian Savers Can Learn from Global CD Rates
While global Certificate of Deposit (CD) rates are attracting attention, Indian savers should understand how these compare to local Fixed Deposit (FD) offerings. This article explores the concept of CDs and helps Indian retail investors make informed decisions about their savings.
RBI Bond Buyback Gets Muted Response, But Loan Rates Could Ease
The Reserve Bank of India's attempt to buy back government bonds received a lukewarm response from banks, despite a cash crunch in the system. However, the benchmark 10-year government bond yield has fallen to its lowest since March, driven by cheaper oil and strong foreign investments. This trend could signal potential relief for borrowers and adjustments for savers.
BreakingBanking Reformer Rajiv Kumar to Chair HDFC Bank Board, Signals Stability
Former Finance Services Secretary Rajiv Kumar, known for revitalizing India's banking sector, has been appointed part-time chairman of HDFC Bank. His vast experience in strengthening governance and risk management is expected to bring enhanced stability and oversight to one of India's largest private sector banks.
Ex-HDFC Bank Chief: My Resignation Was a 'Call of Conscience', Not for Legal Probe
Former HDFC Bank Chairman Atanu Chakraborty has publicly refuted the bank's assertion that he did not cooperate with an external legal review after his resignation. He clarified that his departure was a "call of conscience" aimed at prompting introspection within the board, not an issue requiring an external legal inquiry.
SBI, Axis Bank to Raise ₹16,600 Crore From Overseas to Boost Domestic Lending
Top Indian lenders are tapping international markets to raise over $2 billion to improve cash flow in the domestic economy. Supported by a special RBI incentive, this move aims to stabilize the Rupee and could help keep interest rates for retail borrowers steady.
Cash Crunch in Banks: Why Your Short-Term FD Returns Could See a Rise
A seasonal dip in available cash within the banking system has pushed money market rates higher. While this might lead to a temporary firming of loan rates, it offers a potential window for retail investors to earn better returns on short-term fixed deposits.
RBI to Inject ₹1 Lakh Crore into Banking System to Ensure Financial Stability
The Reserve Bank of India will hold a special ₹1 lakh crore auction on June 19 to provide banks with short-term cash. This move is aimed at keeping interest rates stable and ensuring that banks have enough liquidity for daily operations.
SBI Board Approves Massive ₹60,000 Crore Fundraise to Fuel Credit Growth
State Bank of India plans to raise ₹60,000 crore through various bond instruments in the 2026-27 financial year. This capital infusion is designed to strengthen the bank's lending capacity and maintain long-term financial stability.
BreakingSBI Eyes ₹5,000 Crore Windfall from NSE’s Mega ₹30,000 Crore IPO
State Bank of India is set to book a massive profit from its early investment in the National Stock Exchange (NSE) as the bourse prepares for its ₹30,000 crore public listing. This IPO, expected to be India’s largest ever, highlights the immense value created by the exchange over several decades.
RBI Stands Firm: Government Bonds to Stay on Indian Soil for Better Rate Control
The Reserve Bank of India has rejected plans to let foreign investors trade Indian government bonds on international platforms like Euroclear. By keeping trading domestic, the central bank aims to maintain tighter control over interest rates that affect your loans and deposits.
HDFC Bank Raises ₹6,225 Crore from Global Markets to Fuel Domestic Loan Growth
HDFC Bank has become the first Indian lender to utilize the RBI's new 1.5% fixed-rate swap mechanism to raise $750 million from international investors. This successful fundraise strengthens the bank's liquidity, ensuring it has steady capital to support home and business loans in India.
RBI Lifts Interest Rate Caps on NRI Deposits: Higher Returns for Overseas Indians
Non-Resident Indians (NRIs) can now earn significantly higher interest on their savings in India as the RBI has removed rate restrictions on foreign deposits. This move allows banks to offer competitive rates, potentially exceeding 8%, to attract long-term overseas capital.
HDFC Bank Raises ₹6,300 Crore in India’s Largest Offshore Bond Sale Since 2023
India's largest private lender, HDFC Bank, has successfully raised $750 million (approx. ₹6,300 crore) through a dollar-denominated bond sale. This massive fundraise signals strong global investor confidence in the bank and marks the biggest overseas debt deal by an Indian bank in over a year.
Indian Banks Eye ₹4,000 Crore Savings as RBI Support Boosts NRI Deposits
Indian banks are expected to save nearly ₹4,000 crore in costs by tapping into foreign currency deposits from NRIs. This move, supported by the RBI, provides a cheaper alternative to domestic fixed deposits and helps banks tackle their current cash crunch.
RBI’s New Dollar Swap Move: Why It is Good News for Your Bank Account
The Reserve Bank of India is introducing special windows for foreign currency deposits and external borrowings to boost cash flow in the banking system. This move is expected to lower funding costs for banks, which could translate into more stable interest rates for local borrowers.
Better Returns for NRIs as RBI Pushes Banks to Chase Foreign Currency Deposits
The Reserve Bank of India is encouraging banks to aggressively attract Foreign Currency Non-Resident (FCNR(B)) deposits to boost the country's dollar reserves. This move is expected to trigger a rate war among banks, leading to higher interest rates and better incentives for NRI depositors.
SBI and Bank of Baroda to Launch $1 Billion Dollar Bonds Using New RBI Subsidy
State Bank of India and Bank of Baroda are set to raise $1 billion through five-year dollar bonds, marking the first use of the RBI's new subsidized hedging scheme. This move aims to lower overseas borrowing costs, potentially leading to more stable interest rates for Indian retail borrowers.
BreakingIndian Banks Offer Up to 7% Interest on Dollar Deposits to Attract NRI Funds
Major Indian banks have hiked interest rates on foreign currency deposits to nearly 7% to draw in NRI investments. This move aims to stabilize the rupee and address the growing demand for liquidity amid rising global oil prices.
RBI Steps In to Steady Rupee: What the Central Bank’s Intervention Means for You
The Reserve Bank of India reportedly intervened in the currency market to prevent the rupee from weakening against the US dollar. By using strategic swaps and market trades, the central bank aims to maintain stability for Indian consumers and businesses.
Bank Stocks Surge as RBI Policy Moves Spark Market Rally; Bank Nifty Crosses 55,000
Bank stocks saw a significant jump on Tuesday after the Reserve Bank of India introduced measures to stabilize foreign currency loans. This strategic shift boosted investor confidence, helping the Bank Nifty index close above the crucial 55,000 mark.
Safety First: Investors Flock to Bank FDs as Stock Market Volatility Rises
Muted returns in the equity markets are driving Indian retail investors back to the reliability of bank deposits. Recent RBI data shows a significant jump in time deposits, which now account for nearly 88% of all bank holdings.
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