Skip to main content

Archive 2026

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




Credit Facilities – Lending to REITs and InvITs and Acquisition Finance - https://inquisitivemind5.blogspot.com/2026/06/credit-facilities-lending-to-reits-and.html



Highlights of RBI Annual Report 2025-26 – Chapter 6 (Part II) - https://inquisitivemind5.blogspot.com/2026/06/highlights-of-rbi-annual-report-2025-26_091254324.html



Highlights of RBI Annual Report 2025-26 – Chapter 1 to 3 - https://inquisitivemind5.blogspot.com/2026/06/highlights-of-rbi-annual-report-2025-26.html


Credit Facilities – Loans against Financial Assets - https://inquisitivemind5.blogspot.com/2026/06/credit-facilities-loans-against.html


Credit Facilities – Finance to Non-Banking Financial Companies (NBFCs) - https://inquisitivemind5.blogspot.com/2026/05/credit-facilities-finance-to-non.html



Credit Facilities – Lending against Gold and Silver Collateral - https://inquisitivemind5.blogspot.com/2026/05/credit-facilities-lending-against-gold.html








Guidelines to facilitate faster cross-border inward payments - https://inquisitivemind5.blogspot.com/2026/04/guidelines-to-facilitate-faster-cross.html

FEMA - Borrowing and Lending [including External Commercial Borrowing (ECB) and Trade Credit (TC)] - https://inquisitivemind5.blogspot.com/2026/03/fema-borrowing-and-lending-including.html

Unique Transaction Identifier (UTI) for OTC Derivative Transactions - https://inquisitivemind5.blogspot.com/2026/03/unique-transaction-identifier-uti-for.html

Lending to Micro, Small & Medium Enterprises (MSMEs) Sector - https://inquisitivemind5.blogspot.com/2026/03/lending-to-micro-small-medium.html


Interest Subvention for Pre and Post Shipment Export Credit under Export Promotion Mission (EPM) – Niryat Prothsahan - https://inquisitivemind5.blogspot.com/2026/03/interest-subvention-for-pre-and-post.html



Modified Interest Subvention Scheme for Agricultural Loans - https://inquisitivemind5.blogspot.com/2026/02/modified-interest-subvention-scheme-for.html

Internal Ombudsman for Regulated Entities (Banks, NBFCs, PPI Issuers and CICs) - https://inquisitivemind5.blogspot.com/2026/02/internal-ombudsman-for-regulated.html

Reserve Bank - Integrated Ombudsman Scheme, 2026 (RB-IOS, 2026) - https://inquisitivemind5.blogspot.com/2026/02/reserve-bank-integrated-ombudsman.html

Comments

Post a Comment

Popular Posts

Highlights of RBI Annual Report 2025-26 – Chapter 1 to 3

Reserve Bank of India (RBI) has published its annual report for the financial year 2025-26. In a series of articles, we will go through the highlights of the report. This is the first article in the series.  Legal framework for publication of Annual Report by the RBI Report of the Central Board of Directors on the working of RBI for the year is submitted to the Central Government in terms of Section 53(2) of the RBI Act, 1934. The letter of transmittal is signed by the RBI Governor and addressed to the Finance Secretary, Ministry of Finance, Government of India. Documents submitted by the RBI to the Central Government In pursuance of Section 53(2) of the RBI Act, 1934, the following documents have been submitted to the Central Government – A copy of the Annual Accounts for the year ended March 31, 2026 certified by the RBI’s Auditors and signed by Chief General Manager-in-charge, all the Deputy Governors and Governor. 2 copies of the Annual Report of the Central Board on the workin...
Post a Comment
Read more

Highlights of RBI Annual Report 2025-26 – Chapter 6 (Part I)

Reserve Bank of India (RBI) has published its annual report for the financial year 2025-26. In a series of articles, we will go through the highlights of the report. This is the third article in the series.  Chapter 6 – Regulation, Supervision and Financial Stability (Part I) Opening of and operation in deposit accounts of minors by banks – Minors of any age can open and operate savings and term deposit accounts through his / her natural or legal guardian or with mother as guardian.  Minors above the age of 10 years may open and operate savings and term deposit accounts independently, if they so desire. Digital lending guidelines – Regulated Entities (REs) were mandated to ensure that lending service providers (LSPs) display all loan offers to borrowers when multiple lenders are involved.  A public directory of Digital Lending Apps (DLAs) was introduced to help borrowers verify their link with REs. Non-Banking Financial Companies (NBFCs) were allowed to consider Default...
Post a Comment
Read more

Highlights of RBI Annual Report 2025-26 – Chapter 4 & 5

Reserve Bank of India (RBI) has published its annual report for the financial year 2025-26. In a series of articles, we will go through the highlights of the report. This is the second article in the series.  Chapter 4 – Credit Delivery and Financial Inclusion The limit for collateral free loans to Micro and Small Enterprises (MSEs) was enhanced from ₹10 lakh to ₹20 lakh. The RBI was involved with the nationwide campaign, ‘Aapki Poonji, Aapka Adhikar’ (Your Money, Your Right), conducted during October-December 2025 to facilitate the return of unclaimed deposits and timely settlement of eligible claims from the Depositor Education and Awareness (DEA) Fund. During the campaign, ₹2,876 crore of unclaimed deposits were settled by public sector banks and regional rural banks. Expanding and Deepening of Digital Payments Ecosystem (EDDPE) programme  The programme aims to provide every eligible individual in the identified districts at least one mode of digital payment, viz., debit / ...
Post a Comment
Read more

Transfer of Surplus by the RBI to the Government

The surplus payable by the Reserve Bank of India (RBI) to the Central Government for the financial year 2025-26 amounted to ₹2,86,588.46 crore.  Why does the RBI transfer the surplus amount to the Central Government? As per section 47 of the RBI Act, 1934, after making provision for bad and doubtful debts, depreciation in assets, contributions to staff and superannuation funds and other provisions, the balance of the profits of the RBI is required to be paid to the Central Government. Also, the Central Government holds 100% of the share capital of the RBI. How much risk provision is required to be maintained by the RBI? The RBI developed the Economic Capital Framework (ECF) during 2014-15 and 2015-16 for determining the appropriate level of risk provisions to be made under the provisions of section 47 of the RBI Act, 1934.  In November 2018, the RBI, in consultation with the Government, constituted an Expert Committee to review the ECF of the RBI (Chairman: Dr. Bimal Jalan, fo...
Post a Comment
Read more

Trade Receivables Discounting System (TReDS)

Reserve Bank of India (RBI) has issued the directions on Trade Receivables Discounting System (TReDS). What is TReDS? TReDS is a technology platform on a digital or electronic network for facilitating factoring of trade receivables through multiple financiers. What is a Factoring Unit? Factoring unit refers to trade receivable in the form of invoice / bill uploaded either by the seller (in the case of factoring) or by the buyer (in case of reverse factoring), as the case may be. Who are the participants in TReDS? Seller – Micro, Small and Medium Enterprise (MSME) Buyer – any person liable to the seller, whether under a contract or otherwise, against an invoice or bill of exchange, to pay any trade receivable Financier – all entities / institutions permitted to undertake factoring business under the Factoring Regulation Act, 2011 Insurance companies  Credit Guarantee Fund Trust notified by the Government of India Who can operate TReDS platforms? An entity shall seek authorisation fr...
Post a Comment
Read more