Disaster Related Credit Risk: How Banks Should Redesign Borrower Assessment

Disaster Related Credit Risk

Every monsoon, cyclone season, and heatwave now carries a credit implication. A borrower who was “standard” in March can be under severe financial stress by August, not because their business model failed, but because a flood took out their inventory, Read More …

RBI 2026 Banking Rules and Risk Management Implications

Bancassurance Conversion Strategy in Banking

The recent regulatory changes introduced by the Reserve Bank of India in April 2026 mark a significant shift in the banking landscape. These reforms focus on strengthening digital security, supporting trade finance, and refining capital exposure norms. From a risk Read More …

RBI steps in to end harassment of borrowers, prohibits digital lenders from accessing smartphone data

With the news of harassment of customers by digital lenders becoming frequent – in some cases the harassed borrowers even committing suicide – the Reserve Bank of India (RBI) has decided to issue stringent guidelines to put an end to Read More …