RBI Articles

RBI Policy Oct 4
April 27, 2020
RBI announces Rs 50,000-cr debt line for redemption-stressed MFs; what does it mean for investors

We look at how this special liqudity facility can be used by the debt funds, especially high-risk ones, to keep afloat in the face of heightened redemptions

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external benchmarking for loans
April 3, 2020
Why opting for 3-month loan moratorium is injurious to your financial health

Lenders are offering loan moratorium, but opting for this will make you pay a lot more interest later. EMI pause if you must, better to seek informal loans from friends or family to manage the crisis

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Interest rate
April 3, 2020
Distraught by interest cut in small savings? You can invest in GoI bonds which offer 7.75% interest

The government has announced 70-140 basis point reduction in interest rates on small-saving schemes including NSC, PPF and SCSS

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Home loan rates
March 31, 2020
More clarity emerges on loan moratorium as banks start operationalising policies: Key FAQs

Since interest will continue to accrue on the outstanding portion of the term loans during the moratorium period, they will be added in the loan amount outstanding

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Home loans
March 27, 2020
RBI announces 3-month moratorium on EMIs or loan repayments: Your questions answered

Here are the frequently asked questions on 3-month moratorium on installment payments and their answers announced by RBI

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amfi haircut rules
March 7, 2020
Dismal future of perpetual bonds: Mutual funds may suffer permanent loss of capital in Yes Bank’s AT1 bonds

This is for the first time in the history of the Indian banking sector that a bank’s tier 1 bonds is being written down at the ‘point of non-viability’

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Yes Bank Mutual Fund
March 5, 2020
Yes Bank depositors can only withdraw upto Rs 50,000 till Apr 3; bank placed under moratorium

In the absence of a credible revival plan, and in public interest and the interest of the bank’s depositors, RBI says it had no alternative but to impose a moratorium

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RBI approves Digilocker
January 11, 2020
RBI approves DigiLocker; now open bank, loan accounts by showing digital documents

The issued e-documents in DigiLocker system are deemed to be at par with original physical documents and are accepted in KYC process after RBI’s recognition

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eKYC
January 10, 2020
Video-based KYC allowed for banks and fintechs to onboard customers remotely

Regulated entities shall undertake live video-based verification for the establishment of an account-based relationship with an individual customer, after obtaining her/his informed consent

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