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Archive 2025

This is an archive of the articles published on this blog in the descending order of the date of publication.

RBI’s Monetary Policy (April 09, 2025): In A Nutshell - https://inquisitivemind5.blogspot.com/2025/04/rbis-monetary-policy-april-09-2025-in.html

Priority Sector Lending (PSL) guidelines - https://inquisitivemind5.blogspot.com/2025/04/priority-sector-lending-psl-guidelines.html

Framework for recognising Self-Regulatory Organisations for the Account Aggregator Ecosystem (SRO-AA) - https://inquisitivemind5.blogspot.com/2025/04/framework-for-recognising-self.html

Forward Contracts in Government Securities - https://inquisitivemind5.blogspot.com/2025/04/forward-contracts-in-government.html

Draft circular on Levy of Foreclosure Charges / Pre-payment Penalties on Loans - https://inquisitivemind5.blogspot.com/2025/03/draft-circular-on-levy-of-foreclosure.html

RBIDATA Mobile App by RBI - https://inquisitivemind5.blogspot.com/2025/03/rbidata-mobile-app-by-rbi.html

Digital Payments Awareness Week 2025 - https://inquisitivemind5.blogspot.com/2025/03/digital-payments-awareness-week-2025.html

Financial Literacy Week (FLW) 2025 - https://inquisitivemind5.blogspot.com/2025/03/financial-literacy-week-flw-2025.html

Access Criteria for NDS-OM - https://inquisitivemind5.blogspot.com/2025/02/access-criteria-for-nds-om.html

RBI’s Monetary Policy (February 07, 2025): In A Nutshell - https://inquisitivemind5.blogspot.com/2025/02/rbis-monetary-policy-february-07-2025.html

Framework for imposing monetary penalty and compounding of offences under the Payment and Settlement Systems Act, 2007 - https://inquisitivemind5.blogspot.com/2025/02/framework-for-imposing-monetary-penalty.html

Investments in Debt Instruments by Non-residents - https://inquisitivemind5.blogspot.com/2025/02/investments-in-debt-instruments-by-non.html

Prevention of financial frauds perpetrated using voice calls and SMS - https://inquisitivemind5.blogspot.com/2025/01/prevention-of-financial-frauds.html

Committees of RBI - https://inquisitivemind5.blogspot.com/2025/01/committees-of-rbi.html

Credit Information Reporting by Credit Information Companies (CICs) - https://inquisitivemind5.blogspot.com/2025/01/credit-information-reporting-by-credit.html

Unified Payment Interface (UPI) - https://inquisitivemind5.blogspot.com/2025/01/unified-payment-interface-upi.html

Government Debt Relief Schemes (DRS) - https://inquisitivemind5.blogspot.com/2025/01/government-debt-relief-schemes-drs.html


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RBI’s Monetary Policy (April 09, 2025): In A Nutshell

The bi-monthly monetary policy of Reserve Bank of India (RBI) was announced on April 09, 2025. Here are some of the highlights of the monetary policy announcement. Rates   Change Rate Policy repo rate Reduced by 0.25% 6.00% Standing deposit facility (SDF) rate 5.75% Marginal standing facility (MSF) rate 6.25% Bank rate 6.25% Monetary policy stance Monetary policy stance was changed from ‘neutral’ to ‘accommodative’. Monetary policy stance – Accommodative – entails easy monetary policy that is geared towards stimulating the economy through softer interest rates. Tightening – refers to contractionary monetary policy whereby interest rates are hiked to restrain spending and curb economic activity, all with the objective of reining in inflation.  Neutral – is typically associated with a state of economy which neither calls for stimulating economic activity nor calls for controlling inflation by curtailing demand and provides flexibility to move in either direction on the basis of ...
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Priority Sector Lending (PSL) guidelines

Reserve Bank of India (RBI) has issued the revised guidelines on Priority Sector Lending (PSL) which has come into effect from April 01, 2025.  To whom does Priority Sector Lending (PSL) guidelines apply? Priority Sector Lending (PSL) guidelines apply to – Commercial Bank [including Regional Rural Bank (RRB), Small Finance Bank (SFB), Local Area Bank (LAB)] Primary (Urban) Co-operative Bank (UCB) other than Salary Earners’ Bank  What are the categories under PSL? The categories under priority sector are as follows – Agriculture Micro, Small and Medium Enterprises Export Credit Education Housing Social Infrastructure Renewable Energy Others What are the PSL targets for banks? The targets and sub-targets set under PSL, to be computed on the basis of the Adjusted Net Bank Credit (ANBC) / Credit Equivalent of Off-Balance Sheet Exposures (CEOBE) as applicable as on the corresponding date of the preceding year are as below – Categories Total Priority Sector A...
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Sovereign Gold Bonds vs Gold Monetization Scheme

You might have heard of Sovereign Gold Bonds (SGB) and Gold Monetisation Scheme (GMS). But what is the difference between the two?   Sovereign Gold Bonds (SGBs) Gold Monetisation Scheme (GMS) Meaning SGBs are issued by Reserve Bank of India (RBI) on behalf of the Government of India. They are issued as Government of India Stock in accordance with Section 3 of Government Securities Act, 2006. GMS was introduced by modifying the existing ‘Gold Deposit Scheme (GDS)’ and ‘Gold Metal Loan Scheme (GML)’. GMS provides an opportunity to the eligible customers to deposit their gold with the designated banks and earn interest on such deposits. Sellers / providers Sold through ‘Receiving Offices’ such as Scheduled Commercial banks (except Small Finance Banks and Payment Banks), Stock Holding Corporation of India Limited (SHCIL), Clearing Corporation of India Limited (CCIL), designated post offices, and recognised stock exc...
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RBIDATA Mobile App by RBI

Reserve Bank of India (RBI) has launched RBIDATA Mobile App. What is RBIDATA Mobile App? RBIDATA Mobile App offers macroeconomic and financial statistics relating to the Indian economy in a user-friendly and visually engaging format. This app offers quick access to the Database on the Indian Economy (DBIE – https://data.rbi.org.in ) portal and aims to serve the researchers, students, and the general public.  The key features of the app include – Access to over 11,000 different series of economic data to give a comprehensive view of the Indian economy. Users can view time series data in graphs / charts and download data for analysis. The app includes details such as data source, unit of measurement, frequency, recent updates. Additional notes are also provided to help users understand the graphs / charts better. The ‘Popular Reports’ section features a series of frequently viewed reports. ‘Search’ option allows users to access data directly from home screen, without the need to navi...
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Forward Contracts in Government Securities

Reserve Bank of India (RBI) has released directions on forward contracts in government securities. What is Bond Forward? Bond forward means a rupee interest rate derivative contract in which one counterparty (buyer) agrees to buy a specific government security from another counterparty (seller) on a specified future date and at a price determined at the time of the contract. Which transactions shall be covered under the directions? The directions shall apply to forward contracts in government securities (referred to as bond forwards) undertaken in the Over-the-Counter (OTC) market in India. Who are market participants? The following persons shall be eligible to undertake bond forward transactions – A resident A non-resident who is eligible to invest in Government Securities Who are market-makers? Market-maker means an entity which provides prices to users and other market-makers. The following entities shall be eligible to undertake transactions in bond forwards as market-makers – Sche...
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