"dr-k-srinivasa-rao"

India’s banking system enters 2026 stronger than ever—lower NPAs, higher capital buffers, and RBI-backed liquidity. But tougher norms will test resilience

Indian banks need capital expansion, policy reform, and greater autonomy to break into the global big league

In a bank-driven economy, aspirational growth cannot be achieved without adequate credit flow to all productive sectors

By Dr K Srinivasa Rao Innovations in financial intermediation led by fintechs and virtual banks have changed the landscape of lending to retailers and small and medium entrepreneurs. Hyperactive digital lending by new-age tech entities has begun to pose a challenge to banks and regulators. Falling in line with the competitors, banks have also partially […]

By Dr K Srinivasa Rao With the Reserve Bank of India granting licence to National Asset Reconstruction Company Ltd (NARCL), October 4 marks a historic development in the financial sector. NARCL is set up to declutter banks from part of the burden of non-performing assets (NPAs). Unlike the other existing private sector asset reconstruction companies […]

By Dr K Srinivasa Rao The recent roll-out of two sets of directions by the Reserve Bank of India, Transfer of Loan Exposures and Securitization of Standard Assets, are set to galvanise the credit flow in the financial sector, more so in the banking system. The new avenues permitting secondary sale of bank loans can […]

With quick loans, borrowers can improve their revenue streams to service future loans, prevent NPAs and raise deposits

This is the right to time to sift our responses to the pandemic and use the experience to move ahead

MLRIT secretary Marri Rajashekar Reddy said, “it's a proud moment for the Institute and a great milestone that we could achieve a national level 189 ranking"