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State Bank of India Maintains Credit Outlook Despite War Risks, Warns of Demand Pressure

By Uniquetimesorg May 9, 2026 0

State Bank of India has reaffirmed its credit growth and net interest margin guidance for the current fiscal year, saying that ongoing geopolitical tensions in the Middle East have not yet disrupted loan demand. However, the bank cautioned that a prolonged conflict could impact economic activity in India, especially if inflation rises above the Reserve […]Continue Reading

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Paytm Narrows Losses as Analysts Downplay Impact of Bank Licence Cancellation

By Uniquetimesorg April 27, 2026 0

Shares of One 97 Communications, widely known as Paytm, recovered most of their early losses after an initial sharp drop on Monday. The stock had fallen over 8% following the cancellation of the licence of its associate, Paytm Payments Bank, but later pared losses to trade only slightly lower. Analysts suggested the overall impact on […]Continue Reading

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RBI Curbs on Rupee Positions May Force Banks to Unwind Trades

By Uniquetimesorg March 28, 2026 0

India’s central bank, Reserve Bank of India, has introduced stricter limits on banks’ rupee positions, a move that traders say could force the unwinding of large arbitrage trades. Under the new rule, banks must ensure their net open rupee positions in the onshore market do not exceed $100 million by the end of each day, […]Continue Reading

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Bihar Microfinance Bill Unlikely to Impact RBI-Regulated Lenders

By Uniquetimesorg February 27, 2026 0

The recently passed Bihar Micro Finance Institutions (Regulation of Money Lending and Prevention of Coercive Actions) Bill, 2026, is unlikely to materially affect lenders regulated by the Reserve Bank of India (RBI), according to industry executives. The Microfinance Institutions Network (MFIN), the sector’s self-regulatory body, clarified that RBI-licensed entities are Continue Reading

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Banks Consider Criminal Record Checks for Safer Lending

By Uniquetimesorg November 25, 2025 0

Banks are exploring the legality of accessing borrowers’ criminal records as an additional filter before approving loans. The move, discussed recently among lenders, aims to prevent lending to individuals with serious criminal backgrounds who may pose recovery challenges and increase the risk of collateral being seized by law enforcement agencies. With lending becoming Continue Reading

Business

Goods and Services Tax– Would there be dual control?

By uniquetimes November 22, 2016 0

In the past couple of weeks, I have been interacting with a few trade associations on the impact of the Goods and Services Tax (GST). The question often raised is whether there would be dual control by both the central and state government in the GST era. Further, for traders currently dealing with the State […]Continue Reading

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Business

SC advises govt to revamp banking system

By uniquetimes April 27, 2016 0

The Supreme Court of India on last day advised centre government to revamp the banking structure, citing a RTI report published in a national daily which revealed that at least 1.14 lakh crore rupee was written-off by the banks in last three year. Meanwhile, the court identified that the improper system has virtually helped the […]Continue Reading

News

United Bank of India at Risk of Violating Basel III

By uniquetimes February 12, 2014 0

After United Bank of India  (UBOLNS) posted a net loss and stated that the debts have increased, Fitch Ratings has stated that UBI was on the brink of becoming the first lender in the Asian region to have breach the minimal capital ratios which are mandated by Basel III norms. According to Fitch, when looking […]Continue Reading

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MID – QUARTER Monetary Policy Review September 2013

By uniquetimes October 23, 2013 0

RBI’s Mid –Quarter Monetary Policy came as surprise as it announced a hike in the repo rate by 25bps first time in the financial year. The hike was against the market expectation and was duly reflected in the market sentiments after that. The market expectation of rate reduction was because the Federal Reserve a day […]Continue Reading

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Securing Your Online Transactions

By uniquetimes September 23, 2013 0

“ Banking  is necessary but  Banks are not.”  These words from  Mr Bill Gates , Chairman Microsoft  is a true indication of the way in which banking  habits of people has transformed over the years. Technology has definitely changed the way people has been doing banking.  Gone are the days when you had to visit […]Continue Reading