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RBI

Regulatory coverage of the Reserve Bank of India — guidelines, circulars, and their implications for digital lenders, NBFCs, payment aggregators, and the broader fintech ecosystem.

Can RBI really afford to go all-in on AI in finance?
RBI's new 'tolerant supervisory stance' for AI is a stark departure from its usual hawkish stance. Read now to discover what this could mean for India's financial future.
26 Aug 2025 3 min read
Banking's Bermuda Triangle Rate cuts, FinTechs and NPAs
RBI's new rule mandates NBFCs to exclude fintech DLGs from provisioning. How will this rule reshape digital lending, impact partnership lending, and redefine accountability for NBFCs?
6 Jun 2025 6 min read
RBI just changed the rules of engagement; can digital lenders cope?
RBI's new rule mandates NBFCs to exclude fintech DLGs from provisioning. How will this rule reshape digital lending, impact partnership lending, and redefine accountability for NBFCs?
30 May 2025 4 min read
Can secured credit run the rocketship that unsecured loans built?
Indian banks are shifting from unsecured to secured loans amid rising delinquencies and regulatory pressure.
23 May 2025 4 min read
RBI eases risk weights but can it keep the lending house in order?
RBI eases lending norms to boost credit flow, but with soaring NPAs, is this a financial masterstroke or a risky gamble? Dive into the full analysis here.
28 Feb 2025 4 min read
Banks are waging a lending war. Will it prove expensive?
Banks are aggressively competing for mid-sized borrowers, slashing rates and underpricing risk amid RBI's crackdown on unsecured loans.
21 Feb 2025 4 min read
The big roadblocks in the way of microfinance
Delays in repayments come back to haunt micro-lenders.
8 Nov 2024 4 min read
As RBI plays Scrooge with money, banks turn into deposit magpies
As RBI turns off the money tap, banks go mopping up deposits
27 Oct 2023 2 min read
How much digital credit is too much digital credit?
Hello everyone, Welcome to the 70th edition of The Pattern. It's your space to understand the
28 Jul 2023 3 min read
Has the RBI set in place a pecking order?
RBI's quest to set a new fintech order
19 Aug 2022 4 min read
Deep dive: How risk-based pricing can help lenders save billions in credit losses
Risk as an opportunity: How to grow your loan book as key rate rises?
24 Jun 2022 7 min read
How FinTechs can strengthen the co-lending wedlock between banks and NBFCs
Co-lending 101: Navigate the regulatory maze
17 May 2022 6 min read
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