Lending is expanding at a healthy rate of 10.4%–11.3% for FY26, driven by retail credit and manufacturing. 2. Major Regulatory Reforms (April 2026)
Gross non-performing assets (GNPA) reached a decade low of 2.1% by September 2025. Indian banking sector
As of April 1, 2026, banks must update credit scores (CIBIL) every 7 days instead of monthly for better real-time tracking. Lending is expanding at a healthy rate of 10
Banks are transitioning from an "incurred loss" model to a forward-looking ECL framework , aligning with global IFRS 9 standards. due to persistent compliance failures
The RBI officially cancelled Paytm Payments Bank's licence on April 24, 2026, due to persistent compliance failures, signaling a zero-tolerance policy for governance lapses.
