OneFin

The Reserve Bank of India has proposed a change that could reshape how NBFCs design their lending products. Draft Amendment Directions issued on August 6, 2026 would restrict NBFCs to offering only term loans, with revolving credit permitted solely for RB

The Reserve Bank of India released its draft Guidance on Regulatory Expectations for Data Governance on July 15. Comments from regulated entities are open until August 17. On paper, the ask sounds familiar: a Board-approved governance framework, defined r

For most lenders, model risk management till now has meant credit scoring. A bureau-based scorecard, some NPA prediction analytics, periodic risk team review. The regulatory anchor was a single chapter in RBI's 2002 Credit Risk Management guidance. That c

The RBI's June 2026 Financial Stability Report opens with a specific framing: geopolitical fragmentation and AI-driven disruption are reshaping the global financial system at the same time. Against that backdrop, the FSR's aggregate picture is reassuring.

India imports approximately 87% of its crude oil. With the Middle East in prolonged conflict and crude above $100 per barrel, this dependence has moved from a background cost to an active pressure point. We discussed the pressures on India's current accou