🔍 Objective To ensure fair treatment for borrowers—especially Micro and Small Enterprises (MSEs) and individuals—by: Eliminating pre-payment penalties in key cases. Preventing anti-competitive clauses in loan agreements. Promoting credit portability and better access to affordable finance. 🗓️ Effective Date Applicable from: January 1, 2026 Applies to: All loans sanctioned or renewed on or after this… Continue reading RBI Update: No More Unfair Pre-payment Charges
SEBI’s FY25 study (Dec 2024–May 2025) on equity F&O trading
The Securities and Exchange Board of India (SEBI) released a study analyzing the profit and loss patterns of individual traders in the equity Futures and Options (F&O) segment for the financial year 2024-25 (FY25), with a focus on the period from December 2024 to May 2025. Below is a summary of the key findings and… Continue reading SEBI’s FY25 study (Dec 2024–May 2025) on equity F&O trading
RBI MPC cuts repo rate by 50 basis points to 5.5%, changes stance to neutral
The Reserve Bank of India (RBI) recently cut the repo rate by 50 basis points (bps) to 5.5% and reduced the Cash Reserve Ratio (CRR) by 100 bps to 3%, marking significant monetary policy actions aimed at stimulating economic growth. Below is an analysis of these measures and their likely impact on the economy, based… Continue reading RBI MPC cuts repo rate by 50 basis points to 5.5%, changes stance to neutral
Unfair , Extra Interest Issues on Loan ,Problems and Resolution
Banks may impose extra interest charges on loans through various unfair practices, which have been addressed by regulatory bodies in different countries. Common issues include: For example, in India, the Reserve Bank of India (RBI) has guidelines prohibiting banks from charging extra interest on top of penal charges for defaults. In the US, the Consumer… Continue reading Unfair , Extra Interest Issues on Loan ,Problems and Resolution
Global GDP and Economic trends
Global GDP in nominal terms is approximately $110 trillion, with the United States contributing over a quarter, followed by China, Germany, Japan, and India. The top economies in 2025 by nominal GDP are expected to be: India’s economy has grown significantly, with a 503% increase in nominal GDP from 2003 to 2023, second only to… Continue reading Global GDP and Economic trends
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