28 March 2026
Bankopedia Banking Digest — 2026-03-28 #1
- #1Economic Timesneutral
RBI Hikes CRR by 50bps to Tighten Liquidity
The Reserve Bank of India raised the Cash Reserve Ratio by 50 basis points, signalling intent to drain excess liquidity from the banking system ahead of the fiscal year end.
CRR hike signals tighter monetary stance going into FY27.
BankingRBIIndia - #2Business Standardpositive
SBI Reports Record ₹18,000 Cr Net Profit in Q4 FY26
State Bank of India posted its highest-ever quarterly net profit of ₹18,000 crore for Q4 FY26, driven by strong NII growth and lower slippages.
SBI earnings beat consensus by ~12%; asset quality improves meaningfully.
BankingRBIIndia - #3Mintpositive
HDFC Bank Gross NPAs Fall to 1.2%, Best in 7 Years
HDFC Bank disclosed that gross non-performing assets dropped to 1.2% of advances, the lowest level since 2019, reflecting improved underwriting standards post-merger.
Best NPA ratio in 7 years cements HDFC Bank as the asset-quality benchmark.
BankingRBIIndia - #4Hindu BusinessLinepositive
RBI Raises UPI Transaction Limit to ₹5 Lakh for Select Categories
The RBI has doubled the UPI per-transaction cap to ₹5 lakh for hospitals, educational institutions and government payments, effective immediately.
Higher UPI limits to accelerate digital payments in high-value categories.
BankingRBIIndia - #5Financial Expressneutral
Kotak Mahindra Launches 10-Minute Digital Home Loan
Kotak Mahindra Bank unveiled an end-to-end digital home loan product promising sanction in 10 minutes for salaried customers with CIBIL score above 750.
Kotak enters the instant home-loan race dominated by HDFC and SBI.
BankingRBIIndia - #6ET Marketsneutral
SEBI Tightens AIF Disclosure Norms, Mandates Quarterly Reports
The Securities and Exchange Board of India issued revised regulations requiring Alternative Investment Funds to publish quarterly portfolio disclosures and conflict-of-interest statements.
Stricter AIF rules raise compliance bar; benefit long-term investor trust.
BankingRBIIndia - #7Business Standardpositive
Banks Recover ₹2.1 Lakh Cr of Bad Loans in FY26, a Record
Indian banks recovered ₹2.1 lakh crore in non-performing assets during FY26, surpassing the previous record set in FY24, aided by IBC resolutions and one-time settlements.
Record recoveries shrink legacy NPA overhang; frees capital for fresh lending.
BankingRBIIndia - #8Mintpositive
Paytm Payments Bank Gets RBI Nod to Resume Onboarding
The Reserve Bank of India lifted its 15-month freeze on new customer onboarding at Paytm Payments Bank after the company demonstrated satisfactory compliance improvements.
RBI clearance removes the biggest regulatory overhang on Paytm.
BankingRBIIndia - #9Hindu BusinessLinenegative
RBI Proposes LTV Cap of 75% on Gold Loans Across All Lenders
A draft RBI circular proposes capping the loan-to-value ratio on gold loans at 75% for all regulated entities, bringing NBFCs in line with bank norms and potentially curbing rapid growth.
Uniform 75% LTV cap will compress gold-loan NBFC volumes in near term.
BankingRBIIndia - #10Economic Timesneutral
RBI Expands e-Rupee Pilot to 50 Cities, Targets 1 Crore Users
The Reserve Bank of India extended its Central Bank Digital Currency retail pilot to 50 tier-1 and tier-2 cities, with a target of reaching 1 crore active e-Rupee users by December 2026.
Broader e-Rupee rollout tests CBDC infrastructure at scale for the first time.
BankingRBIIndia