The Nationalisation of Banks
The Three Phases of Nationalisation The transition of India’s banking sector happened in stages, each aimed at increasing the state’s grip on the financial “commanding heights.” Phase Year Action Context/Criteria Phase I 1955…
LIC Digital Transformation: MyLIC & Super Sales Saathi
MyLIC App (Customer-Facing) This application is designed as a one-stop digital solution for policyholders to manage their insurance needs without visiting a physical branch. Super Sales Saathi (Agent/Intermediary-Facing) A productivity tool aimed at…
CRISIL Report: Indian Banking Sector Resilience (April 2026)
Source: ET The GNPA Trajectory: A Decadal Cleanup The Indian banking system has moved from a state of crisis in 2018 to one of the strongest balance sheets in the world by 2026. This cleanup was driven by strict asset quality reviews (AQR), IBC-led…
IMF’s April 2026 World Economic Outlook
Why the Ranking Slipped: Nominal vs. Real GDP In economic rankings, Nominal GDP in USD is the gold standard. This means that internal growth can be overshadowed by external exchange rate movements. The 2022-23 Base Year Revision Updating the base year is…
Stagflation
Source: Indian Express (April 2026) Subject: Economy 1. How Stagflation Occurs: The Supply Curve Shift In a healthy economy, growth and prices are usually balanced. However, stagflation is unique because it is a Supply-Side problem, not a demand problem.…
RBI’s New BC Framework
Source: ET The End of the Business Facilitator (BF) Model Bhaiya, this is a crucial shift for your RBI Grade B and NABARD exams. Previously, BFs were limited to non-transactional roles (lead generation, processing), while BCs handled cash. The New…
SEBI & Corporate Governance
Source: ET The “Atanu Chakraborty” Case Study Bhaiya, this is a textbook example of “Boardroom Friction” that you might see in SEBI Grade A or RBI Grade B FM (Finance & Management) papers. SEBI’s Three-Pillar Critique of…
SEBI’s Strategic Relief: IPO Timelines & MPS Compliance (2026)
The Securities and Exchange Board of India (SEBI) has intervened to prevent a “regulatory lapse” for companies whose fundraising plans were derailed by external market shocks. This move is reminiscent of the relaxations provided during the…
IRDAI’s Regulatory Roadmap (2026)
Context: The recent establishment of the sub-committee under the Insurance Advisory Committee marks a definitive transition in India’s insurance governance. The primary objective is to move from a fragmented ecosystem to a highly integrated,…
RBI Cancels Licence of Shirpur Merchants’ Co-operative Bank
Source: ET Key Concepts & Regulatory Framework 1. Deposit Insurance (DICGC Coverage) When a bank’s licence is cancelled and it enters liquidation, depositors are protected by the Deposit Insurance and Credit Guarantee Corporation (DICGC), a…