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178 ArticlesRBI

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NBFCs Want To Offer 0% EMIs Online, But RBI Will Soon Clip Their Wings, We Think

NBFCs are getting ready to offer zero-interest EMIs on online portals: “We are in talks with all the leading ecommerce sites to start zeropercent EMI ...

Mar 28, 2015

RBI Cuts Rates 0.25%, Back to Sep 2013 Levels. We Didn't See This Coming!

RBI Cut Rates by 0.25% in a surprise move today. We were surprised, and we have been watching RBI closely. Rates are down by 0.25%. This brings rates to where ...

Mar 04, 2015

RBI Cuts Rates by 0.25% and We Told You So

Just three days ago, we wrote: At this point we at Capital Mind believe the RBI is very likely to cut rates, even before the next meeting. Because Inflation ...

Jan 15, 2015

Payment Banks Are An Opportunity To Change Banking in India

The RBI has released guidelines for Payment Banks. This is fantastic because it means some competition to regular banks who have become bloated, unweildy and ...

Dec 02, 2014

RBI and Bhalla Slug it out over Inflation and Policy

There’s a fight happening in the intellectual circles around inflation, and you shouldn’t be surprised. It involves the terms “model” and ...

Oct 21, 2014

RBI Mopping Up Excess Liquidity by Selling Govt Bonds

RBI’s selling bonds, and selling them big time. With India moving to what seems to be a liquidity glut in the banking system, with the RBI now having to ...

Oct 09, 2014

Forex Reserves Continue to Drop as Dollar Gains in Strength

Forex reserves at the RBI continue to fall as RBI’s data last week shows the figure dip to a 3 month low at $314 billion. Part of the reserve dip would ...

Oct 06, 2014

RBI Wants To Cut Sector-Based Incentives When Banks Give Loans

My last point on the Rajan’s recent presentation is about how they view financial inclusion in the concept of spreading Credit. Does this probably ...

Sep 16, 2014

Should Banks Think of ATMs as A Profitable Business Separately?

From more slides that released today, as part of Raghuram Rajan’s speech at the FICCI-IBA Annual Conference: While its true that banks aren’t ...

Sep 16, 2014

Watch Out Before You Guarantee a Loan; RBI Says Banks Can Tap You Faster

If you are asked to be a guarantor to a loan, here’s something to think about: RBI has said you will be a wilful defaulter if you refuse to honour the ...

Sep 09, 2014

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