DR FINANCE INDIA DAILY
Banking. Made Simple.
One Insight at a Time.
94 daily insights. 10 structured parts. Everything you need to understand banking, credit, lending and borrowing in India — explained clearly, built for every borrower.
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Daily Issues Published
10
Structured Parts
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Key Indicators
India Banking Pulse
Key monetary and banking metrics — updated regularly from RBI and official sources.
Rates verified against Reserve Bank of India data · Last verified: 20 August 2026
Repo Rate
5.25%
CRR
4.00%
SLR
18.00%
Bank Credit Growth
~12%
Gross NPA Ratio
~2.8%
UPI Transactions
₹24L Cr/mo
As of August 2026
Current Intelligence
Banking Now
Current RBI policy, interest rates and Indian banking developments — explained simply.
RBI Wants Lenders to Use AI to Spot Borrower Stress Early
RBI is pushing lenders towards AI-powered early warning systems that can identify borrower stress before repayment problems become serious. What could this mean for borrowers — and for the future of credit monitoring?
Repo Rate at 5.25%: What Should Borrowers Do Now?
A policy pause does not mean borrowers should stop reviewing their loans. The repo rate is only one component influencing the interest rate ultimately paid — actual borrowing costs also depend on the applicable benchmark, the lender's spread, the borrower's credit profile and loan vintage.
RBI Brings Forward Closure of Special FCNR Swap Window
The Reserve Bank of India will close its discounted foreign-exchange swap facility for banks' overseas deposit mobilisation on 31 August 2026 instead of the earlier 30 September deadline, following substantial inflows.
India's Forex Reserves Cross $700 Billion
India's foreign-exchange reserves rose to approximately $707 billion as of 7 August 2026 following strong inflows, reaching a four-month high.
Atlas Perspective
The Atlas Perspective
Every issue of Dr Finance India Daily includes an Atlas Perspective — a concise, independent view on what the day's banking concept means for borrowers, businesses and the broader financial system.
READ THE DAILYCOMPLETE FINANCE GUIDES
Complete Finance Guides
Long-form, structured guides on every major banking and lending topic — written for clarity, built for depth.
THE KNOWLEDGE VAULT
The Knowledge Vault
A structured reference library covering banking, credit, lending, borrower assessment and business finance.
Banking Fundamentals
How banks work, how money moves, and what every account holder should know.
Credit & CIBIL
Credit scores, credit reports, how to build and protect your creditworthiness.
Home & Property Finance
Home loans, LAP, LTV and what lenders look for in property-backed lending.
Business & Working Capital
Business loans, working capital, invoice discounting and commercial finance.
Financial Analysis
DSCR, FOIR, LTV, credit ratios and how lenders assess repayment capacity.
Smart Borrowing
Strategies, frameworks and mental models for intelligent borrowing decisions.
FINANCIAL CALCULATORS
Financial Calculators
Practical tools to understand loan repayments, repayment capacity and business debt-service coverage.
FINANCIAL CONSULTING
Financial Consulting
Personalised loan advisory and financial consulting for individuals and businesses across Tamil Nadu.