BANKING FINANCE - March 2025

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In this issue we have covered articles on SAMRIDH: Leveraging Blended Finance for Quality Healthcare in India - U Upender; How to Convince Customers to Continue SIP in a Falling Market - Banking Finance Research Team; Reputational Risk: A Double-Edged Sword for Indian Banking - Praveen Kumar S V; Implementation of New Tax Regime and Its Impact on Direct Tax Revenue - Dr. Jaydeb Bera; Mutual Funds and Millennials: Changing Investment Trends in India - Banking Finance Research Team; Priority Sector Lending Norms - Historical trend and Time to realign - Abhay Dandwate; Fintech Ecosystem in India and Impacts of Paytm on RBI's Move - Ranjit Kumar Ranjan; What is Digital Public Infrastructure? A comprehensive introduction to DPI, its components, and benefits - Vaibhav Sharma; Unlocking Financial Synergy: The Power of Co-Lending - Arun Kumar Gupta.

We have covered news on Banking, RBI, Industry, Mutual Fund and Co-Operative Bank News.

Besides it covers other interesting features.

Legal News

In the recent Supreme Court's judgment in the CORE (Central Organisation for Railway Electrification) vs ECI-SPICSMOMCML case on the appointment of arbitrators, the intended result and reactions have been contrasting.

2 mins

ICICI Bank installs units to produce water from atmospheric moisture

ICICI Bank has announced the adoption of state-of-the-art technology to produce drinking water from atmospheric moisture as part of its commitment to enhancing the sustainability of its operations.

1 min

SAMRIDH: Leveraging Blended Finance for Quality Healthcare in India

India faces significant challenges in its healthcare system, primarily due to chronic underfunding. The government allocates approximately 1.9% of its GDP to public health, starkly lower than the global average of about 10%. This shortfall has resulted in inadequate infrastructure, a shortage of skilled workforce, and an overreliance on overstretched public facilities.

3 mins

How to Convince Customers to Continue SIP in a Falling Market

Systematic Investment Plans (SIPs) have emerged as one of the most reliable ways for retail investors to build wealth over time. However, during a falling market, many investors become apprehensive and contemplate discontinuing their SIPs, fearing further losses.

3 mins

Reputational Risk: A DoubleEdged Sword for Indian Banking

The Indian banking sector has made significant strides in managing reputational risk. However, the challenges and opportunities facing the sector are evolving rapidly. By proactively addressing these challenges and embracing innovation, banks can continue to build trust, enhance their reputation, and contribute to the growth of the Indian economy.

5 mins

Implementation of New Tax Regime and Its Impact on Direct Tax Revenue

Salaried assessees constitute a significant number in the direct tax population in India. Removal of existing deductions and exemptions causes disappointment especially for the salaried employees and assessees belong to middle income group who took different tax savings scheme.

5 mins

Mutual Funds and Millennials: Changing Investment Trends in India

The investment landscape in India is undergoing a paradigm shift, driven by millennials who are redefining financial planning. Unlike previous generations, millennials are more inclined toward mutual funds as a preferred investment vehicle.

3 mins

Priority Sector Lending Norms – Historical trend and Time to realign

Climate change has led to the emergence of new concept of green financing which requires huge commitment of allocation of funds. Climate adaptation has taken centre stage at recently held COP29 at the UN global climate summit.

6 mins

Fintech Ecosystem in India and Impacts of Paytm on RBI's Move

In today's scenario the wallet users as well as digital channel payment users are having bundle of opportunity to avail services of various service providers and without hindrance they can enjoy the benefits of digital payments.

5 mins

What is Digital Public Infrastructure? A comprehensive introduction to DPI, its components, and benefits

Digital Public Infrastructure (DPI) is a foundational framework that enables digital transformation in a country. It's akin to the physical infrastructure of roads, bridges, and power grids, but in the digital realm. DPI provides the essential tools and systems for governments, businesses, and citizens to interact and transact digitally.

9 mins

Unlocking Financial Synergy: The Power of Co-Lending

Co-lending is an arrangement where multiple lenders, typically a bank and a Non-Banking Financial Company (NBFC), partner to provide loans to borrowers. This helps increase lending capacity and reduces risk for individual lenders. Each lender sets their own terms and conditions. This model leverages the strengths of both types of financial institutions to extend credit, especially to underserved markets.

10+ mins

RBI CIRCULAR

Government securities transactions between a Primary Member (PM) of NDS-OM and its own Gilt Account Holder (GAH) or between two GAHS of the same PM

4 mins

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BANKING FINANCE Magazine Description:

BANKING FINANCE Magazine is a monthly magazine published by Sashi Publications Pvt Ltd. in Lucknow, India. It is one of the leading banking and finance magazines in the country. The magazine is known for its in-depth coverage of the Indian banking and finance industry, as well as its insights from leading experts in the field. It covers a wide range of topics related to banking and finance, including:

* Banking trends and developments: BANKING FINANCE Magazine covers the latest trends and developments in the Indian banking industry, such as new digital banking initiatives, regulatory changes, and mergers and acquisitions.
* Financial markets: BANKING FINANCE Magazine also covers financial markets, including the stock market, bond market, and currency market. The magazine provides analysis of the latest market trends and investment opportunities.
* Corporate finance: BANKING FINANCE Magazine also covers corporate finance, including articles on capital markets, mergers and acquisitions, and corporate restructuring.
* Personal finance: BANKING FINANCE Magazine also features articles on personal finance, such as saving, investing, and retirement planning.
* Risk management: BANKING FINANCE Magazine also covers risk management, including articles on credit risk, market risk, and operational risk.

BANKING FINANCE Magazine is a valuable resource for anyone who is interested in the Indian banking and finance industry. It is a must-read for anyone who is looking to stay informed about the latest trends and developments in the industry, or who is looking for insights from leading experts in the field.