Explore India’s ambitious PSU bank consolidation strategy reshaping the financial sector. Understand recent mergers, the government’s FY27 mega plan, and how bank consolidation impacts customers, employees, and the broader banking ecosystem.
The RBI’s December 2025 amendments fundamentally reshape business financing by removing restrictions on cash credit accounts and raising current account thresholds to Rs 10 crore. These relaxations in current and cash credit norms enhance working capital accessibility, enabling businesses to optimize liquidity management and reduce operational financing costs significantly.
The Reserve Bank of India’s updated minimum balance framework, effective December 10, 2025, reduces penalties to ₹200 maximum and introduces flexible thresholds. Urban savings accounts require ₹500 minimum, rural accounts ₹200, while zero balance BSBD accounts eliminate requirements entirely, promoting financial inclusion across India’s banking sector.
The RBI’s December 2025 amendment extends regulatory oversight to Non-Banking Financial Companies and Housing Finance Companies within banking groups. This consolidated supervisory framework eliminates regulatory gaps, enforces harmonized prudential standards, and ensures comprehensive group-level risk management across India’s financial services sector.
The RBI cut the repo rate by 25 basis points to 5.25%, supporting economic growth while maintaining inflation control. This rate reduction lowers borrowing costs for home loans, personal loans, and businesses, encouraging consumption and investment across the economy.
India’s public sector banking faces a transformative merger wave. Finance Minister Sitharaman confirmed talks with RBI on consolidating 12 banks into six to seven globally competitive institutions. Expected announcements in April-May 2026 will reshape banking operations, employee roles, and customer services fundamentally.
The Reserve Bank of India mandated all Indian banks migrate to the exclusive .bank.in domain by October 31, 2025, to combat rising digital fraud. This restricted domain provides verified security, SSL encryption, and DNSSEC protection, making it significantly harder for cybercriminals to create fake banking websites and phishing scams targeting unsuspecting customers.
Government pensioners must submit their life certificate between November 1-30, 2025, to ensure uninterrupted pension payments. The simple online submission takes just 5 minutes via fingerprint authentication, or visit your bank branch. Missing the deadline stops your pension—submit today.
The RBI’s new bank account nomination rules 2025 allow up to four nominees with digital registration. Learn how these changes simplify claim settlement, protect your family’s financial security, and why updating your nomination matters today.
Explore RBI’s October 2025 regulatory overhaul strengthening Basel III capital norms and launching the FREE-AI framework to ensure responsible AI adoption and safer banking innovation in India.
