Radhika Merwin
Business Line
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Past articles by Radhika:
RBI proposes regulatory changes for NBFCs. Here's all you need to know
With some NBFCs turning systemically significant over the years, owing to their size, complexity and interconnectedness, the RBI has sought to review their regulatory framework, adopting a scale-based → Read More
HDFC Bank Q3: Continued growth momentum, provisioning buffer lend comfort
But tiding over hurdles in new credit card origination and management churn, hold key to sustaining premium valuation → Read More
Why RBI tightened current account norms?
In a bid to enforce credit discipline and check diversion of funds, the Reserve Bank of India in its August policy last year, put in place certain safeguards for opening of current accounts by banks. → Read More
Coming, more banks to bank on?
Mota Bhai, Mukesh Ambani looks set to own a bank, haan? Even conglomerates like L&T and Aditya Birla I heard can promote a bank….. Hold on, don’t get too excited! NBFCs and some bank stocks we → Read More
RBI places Lakshmi Vilas Bank under moratorium: Are your deposits safe?
Events over the past year have rattled depositors. After the Punjab and Maharashtra Bank (PMC) episode last September, when the RBI placed the bank under directions and capped deposit withdrawals, the → Read More
Why the RBI stepping in to bail out LVB was long awaited
For south-based private sector lender Lakshmi Vilas Bank (LVB), raising capital has been a critical issue over the past year, particularly after the RBI rejected the merger plan with Indiabulls Housin → Read More
Why did my bank credit my loan account with interest?
Credit? You mean bank debited your loan account with the interest charged on the loan…No no, I mean my loan account got credited with interest last week. Though it was only a few hundred rupees, it w → Read More
SBI Q2: Improvement in disbursements, strong deposit traction are positive signs
The bank’s strong capital ratios and potential to unlock value in subsidiaries provides buffer to absorb losses → Read More
Merger woes: Why PNB Q2 performance carries tell-tale signs of more pain ahead
The troubles for state-owned Punjab National Bank that began much before the ₹14,000-crore Nirav Modi scam in 2018have only worsened with the merger of Oriental Bank of Commerce and United Bank this f → Read More
We will continue to keep rates higher to acquire customers: MD and CEO of Equitas Small Finance Bank
Equitas Small Finance Bank – the banking subsidiary of Equitas Holdings – listed at a discount to the IPO price of ₹33 per share on Monday. The IPO was mainly to meet the RBI’s regulatory norms that r → Read More
Centre’s compound interest waiver: What borrowers need to know about the scheme
Here an FAQ covering eligibility, interest rate computation and extent of benefit available to borrowers → Read More
RBI’s first OMO purchase of state development loans sees good response
Cut-off yields closer to market rates under recent auctions; but can fall hereon for certain tenures → Read More
Why HDFC Bank Q2 performance suggests re-rating of the stock in the coming months
Prudent provisioning and recovery trends in retail segment, point to healthy earnings improvement in the H2 of FY21 → Read More
Should you invest in Equitas Small Finance Bank IPO?
Diversified loan book, strong capital ratio and healthy deposit accretion make it attractive → Read More
Thanks to RBI’s policy moves, the ₹20,000-crore OMO sails through
The auction this time was a success unlike the last one; RBI measures have eased the concerns of the bond market → Read More
‘We plan to invest ₹2 lakh cr in the remaining part of fiscal’
Investments in capital market, G-Secs have grown as compared to last year: LIC chief → Read More
LIC’s equity investments ride high on market surge
Books profit of about ₹14,800 crore on its investments in equities so far this fiscal → Read More
Should you subscribe to the IPO of UTI AMC?
Watch out for trends in profitability, market share and diversification before investing → Read More
Banks return nearly ₹99,000 crore borrowed under LTRO at a higher cost
This creates headroom for more OMOs by the RBI, which can help ease bond yields → Read More
SEBI may need to tweak its directive on multi-cap funds to serve investor interest better
While the move is well-intended to fix the undue bias towards large-caps, offering ample flexibility to fund managers is also critical → Read More