Bank Deposits
Bank deposits shrink in household savings as MFs, equities gain ground: Economic Survey
Bank deposits’ share of household financial savings has fallen sharply over a decade, while SIP flows, demat accounts and mutual fund participation hit record highs, the Economic Survey said.
1 min read29 Jan 2026RBI’s liquidity infusion: It may relieve the symptom but not the real problem that Indian banking must confront
To address liquidity tightness in India’s banking system, we need a proper diagnosis of what’s causing it, followed by remedial action. A temporary balm may just be glossing over a deep structural problem of bank deposits drying up.
2 min read26 Dec 2025Money saved with banks serve worthy purposes: Why deposits need a tax break
Bank deposits underpin much of India’s economic architecture—from part financing government budgets to priority-sector lending. Yet, interest income faces punitive taxation, pushing savers into riskier avenues of investment. It calls for a tax rethink.
4 min read5 Nov 2025Unclaimed deposits: THIS amount lies in banks. Check which lender tops the list
Minister of State for Finance Pankaj Chaudhary on Monday informed the Union Parliament that public and private banks are currently holding multi-crores in unclaimed deposits. Check which banks top the list.
1 min read29 Jul 2025RBI cancels Karnataka-based Karwar Urban Co-operative Bank's licence over earnings prospect
Reserve Bank of India (RBI), on 23 July 2025, cancelled the licence of the Karnataka-based Karwar Urban Co-operative Bank due to the institutional lender's lack of earning prospects over a matter of public interest. Check how much depositors will get back.
1 min read23 Jul 2025Banks target to clear 30-40% unclaimed deposit in FY26
The Centre is likely to ask PSBs to identify geographical areas with the most unclaimed deposits, set quarterly settlement targets at the branch level, and develop a standard operating procedure (SoP) to achieve the target
2 min read24 Apr 2025Is India's bank deposit insurance adequate? A reality check
India’s deposit insurance scheme offers wide coverage by number, but not by value—leaving large depositors at risk. With household savings rising, is the RBI’s safety net still fit for purpose?
3 min read22 Apr 2025Budget 2025: Lenders seek support to mobilise retail deposits, boost consumption
While Indian banks have improved capital adequacy and asset quality, deposit growth remains a challenge. Experts suggest incentives for retail deposits and a focus on consumption to boost liquidity, alongside a push for financial sector growth to align with the Viksit Bharat vision.
2 min read27 Jan 2025Banks added over ₹2 trillion more in deposits than loans in 2024
When seen on a full-year basis, higher fresh deposits compared to loans in 2024 has pushed the incremental CD ratio to 89.5%, as against 94% in 2023. The CD ratio indicates how much of a bank’s deposit base is being utilized for loans.
4 min read15 Jan 2025Indira Rajaraman: It pays to track popular perceptions of public policy
Public policy needs to be viewed from the lens of those it’s ostensibly designed to serve: the people. Research shows only a few items form their view of inflation, for example, but which?
4 min read2 Jan 2025