🔴 1. RBI Monetary Policy (April 2026)

• Repo Rate: 5.25% (unchanged)

• Policy Stance: Neutral

• GDP Growth Forecast (FY27): 6.9%

• Inflation Projection: ~4.6%

📌 Exam Tip: “Neutral stance” = RBI can increase or decrease rates depending on data

🔴 2. RBI New Rule – Digital Payment Safety

• RBI proposed:

  • 1-hour delay for transactions above ₹10,000

  • Customers can cancel during this window

📌 Aim: Reduce online fraud & unauthorized transfers

🔴 3. RBI – NBFC Classification Change

• New proposal:

  • Asset-based criteria for identifying upper-layer NBFCs

  • PSU NBFCs may be included

📌 Impact: More NBFCs under strict regulation

🔴 4. India Digital Payments Record

• Transactions reached:

  • 21.7 billion transactions

  • ₹28.33 lakh crore value

📌 Important systems:

• UPI

• RTGS

• IMPS

🔴 5. RBI Forex Regulation (April 2026)

• RBI capped banks’ forex positions:

  • Limit: $100 million net open position

📌 Purpose:

• Reduce rupee volatility

• Control arbitrage between markets

🔴 6. Rupee & Bond Market Update

• Rupee influenced by:

  • Oil prices

  • Foreign investment flows

• 10-year bond yield:

  • Fell to ~6.91%

📌 Key factor: Global geopolitical tensions

🔴 7. Risk-Based Deposit Insurance (New System)

• Effective from April 1, 2026

• Banks will pay premium based on:

  • Risk level

  • Asset quality

  • Capital adequacy

📌 Earlier: Flat premium system

🔴 8. RBI Guidelines for Bank Boards

• Boards should focus on:

  • Strategy

  • Risk management

• Not day-to-day operations

📌 Goal: Improve corporate governance

🔴 9. Banking Liquidity Situation

• India saw liquidity deficit:

  • ₹659 billion shortfall

📌 Reasons:

• Tax outflows

• RBI forex interventions

🔴 10. World Bank Growth Forecast

• India GDP forecast:

  • 6.6% (FY27)

📌 Risks:

• Oil prices

• Global conflicts

• Inflation

🔴 11. RBI Financial Strategy – Utkarsh 2029

• Focus areas:

  • Financial inclusion

  • Digital banking

  • Risk management

🔴 12. Banking Holidays Rule (Important)

• Banks closed on:

  • 2nd & 4th Saturdays

  • Sundays

• Digital services remain active

🎯 Most Important Topics for Exams

Focus more on:

✔ RBI Monetary Policy
✔ Digital fraud prevention
✔ NBFC regulations
✔ Forex & rupee movement
✔ Banking reforms

🧠 Quick Revision (One-Liners)

• Repo Rate → 5.25%

• RBI Stance → Neutral

• Digital Payment Rule → 1-hour delay above ₹10K

• NBFC Rule → Asset-based classification

• Digital Payments → 21.7 billion transactions

• Deposit Insurance → Risk-based premium (new)