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Payment banks have arrived

One crucial implication of payments and bank business would be the drastic decline in the footfalls at the branches. Even several ATMs may find a reduction in their operations. During the last five decades, banks conducted several experiments of which only a few have been successful. Gramin bank is one of

How ‘secure’ are the secured loans?

While the big defaulters are the major causes of banks’ sickness, recoveries in small suits could be slowly denting their profitability as it is a long drawn process. Lending may be easier, but not recoveries. Before banks emerged in India, money-lenders who dominated lending business, primarily looked to snaffle the fixed

PSUs – Stem the rot before mergers

Another clutch of 197 banks, known as Regional Rural Banks, promoted jointly by the Central government, the state governments and the lead banks in the districts, was floated. A series of mergers and acquisitions saw that number dwindle to 56 over a period of time. Currently, they play a positive

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