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Monday, January 5, 2026
TopicBanking

Topic: Banking

India’s KYC process is a privacy nightmare. FATF has given legal sanctity to mass surveillance

The extent of data collected at onboarding and once again at the time of updates to KYC goes beyond just verification and could potentially be used for “profiling” the customer.

Banks’ home loan portfolios set to feel the stress. RBI must devise measures

The economy is facing a rising interest rate cycle for the first time in several decades. This is likely to pinch the retail loan segment.

Why permanently cutting interest rates to zero can purge capitalism of its evils

A viable compromise could be struck: Rewarding entrepreneurship without compounding inequality or incentivising the unsustainable use of resources.

Make it easier for nominees & heirs to access money left to them, RBI-appointed panel suggests

Panel set up in May 2022 has recommended ways in which RBI's regulated entities can improve customer service, including easing KYC norms & removing limits on UPI transactions.

Taking credit score up to 800 is no rocket science. But here’s the secret sauce

In 'The Bee, the Beetle, and the Money Bug', BankBazaar CEO Adhil Shetty gives a guide to the financial world.

How does NPA impact the lending culture of banks in India

Banks have to focus on financial resilience, to make the revenue model agile and a cost- to-income ratio of at least 35%-40%, writes Divya Soni.

On Camera

BCCI has sabotaged India’s approach to Bangladesh

The BCCI decision has given new life to the lunatic fringe of the Hindu Right. It now has the confidence to force policy changes in accordance with its communal campaigns.

Trump threatens India with fresh tariffs on Russian oil, calls PM Modi a ‘good guy’

The latest comment comes as New Delhi and Washington have yet to sign a trade agreement. India’s purchase of Russian oil has reduced, but Moscow remains top source for crude.

Greece looking at TATA’s WhAP infantry combat vehicle for army procurement

If deal goes through, Greece will be 2nd foreign country to procure vehicle. Morocco was first; TATA Group has set up manufacturing unit there with minimum 30 percent indigenous content.

A year-end Mea Culpa in National Interest—The Army-Islam combo doesn’t kill democracy

Many of you might think I got something so wrong in National Interest pieces written this year. I might disagree! But some deserve a Mea Culpa. I’d deal with the most recent this week.