Safest Banks of India: Many of us open bank accounts so that our money remains safe and we earn huge income from the interest received on it. After depositing money in the bank, we become tension free thinking that now our money is secure, but there is no assurance of when the bank goes bankrupt and when your money is lost. In such a situation, if you want to keep your money safe, then this is useful news for you.

Three safest banks of the country

In fact, the Reserve Bank of India (RBI) has declared State Bank of India (SBI), HDFC Bank and ICICI Bank as the safest banks in the country. RBI has identified them as the most systemically important financial institutions of the country and described them as Domestic Systemically Important Banks (D-SIBs). With this announcement by RBI on Tuesday, it has now been confirmed that all these three institutions hold an important place in the banking sector.

Their safety is very important

These banks were identified as D-SIBs in 2024, which are once again ahead due to their size and importance for the country’s economy. D-SIBs are considered so important that their failure has a very bad impact on the financial system of the country, which can cause large-scale problems, hence the government and the regulator are committed to ensuring their stability and steps have been taken to prevent them from failing.

It is necessary to maintain extra capital

According to RBI guidelines, these banks included in the high bucket category need to keep more capital with themselves. Specifically, Extra Common Equity Tier 1 (CET1) capital. So that it can help in facing any possible loss or risk.

The level of additional CET1 capital varies depending on the bank’s classification in the D-SIB framework. State Bank of India has been placed in Bucket 4, for which it will have to maintain additional 0.80 percent CET1 capital. HDFC Bank is in Bucket 2, which requires additional 0.40 per cent CET1 capital. ICICI Bank is in Bucket 1, for which it will have to maintain additional 0.20 percent CET1 capital.

What are D-SIBs?

The concept of Domestic Systemically Important Banks was first introduced in 2014. This was a part of RBI’s effort to strengthen financial stability. Their identification started in 2015. Domestic Systemically Important Banks are those banks which play an important role in the economy. If something goes wrong in this, the entire system of the country can be shaken, hence the government keeps a close watch on them and comes to the forefront to save them from the trouble.

How secure is your money in the bank?

If the bank in which you have an account is bankrupt or closed for some reason, then only a maximum of Rs 5 lakh of your deposit will be refunded to you. Even if you have more amount in your account, you will not get more than Rs 5 lakh. If the amount is less, the entire amount will be refunded.

Actually, under the Deposit Insurance and Credit Guarantee Corporation (DICGC), the government provides insurance cover on deposits in the bank. DICGC is an institution owned by the Reserve Bank. Before February 4, 2020, deposit insurance was only Rs 1 lakh for the amount deposited in the bank, which has been increased to Rs 5 lakh in 2020.

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Share Market: A tremendous rise was seen in the Indian stock market in the last two days of last week. Its effect is also visible on the market capitalization of seven of the top 10 Sensex companies. Last week, these seven companies together added Rs 96,200.95 crore to their market cap.

Last week, BSE Sensex had gained 474.75 points (0.55 percent) and on Thursday it also touched a record high level of 86,055.86. This created a good trading environment for frontline stocks, due to which their value increased significantly. Therefore, the investors who placed bets on these stocks also got silver.

Reliance on top once again

Reliance Industries once again took advantage of the market movements and earned huge profits. There was an increase of Rs 28,282.86 crore in the market cap of the company. With this, its total valuation has now increased to Rs 21.20 lakh crore. This was followed by Bajaj Finance, which added Rs 20,347.52 crore to its market cap. Its valuation has now reached Rs 6.45 lakh crore.

Banking stocks did wonders

• There was a jump of Rs 13,611.11 crore in the market cap of HDFC Bank, taking its market cap to Rs 15.48 lakh crore.
• ICICI Bank also added Rs 13,599.62 crore to its market cap. Due to this its valuation also became approximately Rs 10 lakh crore.
• State Bank of India (SBI) also registered gains and added Rs 6,415.28 crore to the market cap.
• Infosys and Hindustan Unilever also gained, with their market cap rising by Rs 6,273.15 crore and Rs 7,671.41 crore, respectively.

Top 10 Sensex companies according to market cap

• Reliance Industries
• HDFC Bank
• Bharti Airtel
• TCS
• ICICI Bank
• State Bank of India
• Infosys
• Bajaj Finance
• Hindustan Unilever
• LIC

they suffered losses

• Bharti Airtel suffered the biggest loss, which suffered a loss of Rs 35,239.01 crore.
• The market cap of TCS has also declined by Rs 3,762.81 crore.
• The market cap of LIC has also decreased by Rs 4,996.75 crore.

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Bollywood actress Kajol has given her Goregaon property in Mumbai on rent. The actress has given her property on rent to HDFC Bank for 9 years, which will now earn her income of lakhs every month. Under the deal, Kajol has collected lakhs of rupees as security. Kajol had recently bought this property for crores.

According to Hindustan Times, according to Co Square Yards, this property is located in Bharat Arise, Goregaon. Kajol had bought this property in March 2025 for Rs 28.78 crore. Spread over 1,817 square feet, this retail unit also has a parking slot. This lease deal was signed between Kajol and HDFC Bank on November 14, 2025. Under this, it has been registered with a stamp duty of Rs 5.61 lakh and a registration fee of Rs 30 thousand.

Kajol will earn Rs 8.6 crore in 9 years

• Kajol has also recovered a security deposit of Rs 27.61 lakh from the bank.
• This deal is for 9 years. The bank will pay Kajol Rs 6.9 lakh every month for the first three years.
• After three years, the rent amount will increase by 15% and in such a situation the bank will have to pay Rs 7.9 lakh every month.
• Then after three years the rent will increase by 15% and every month the bank will pay Rs 9.13 lakh as rent.
• In this way, Kajol will earn a total of Rs 8.6 crore from rent in 9 years.

Kajol’s work front
On the work front, Kajol was last seen in the web series ‘The Trial- 2’. These days she is seen in her talk show ‘Too Much with Kajol and Twinkle’. Twinkle Khanna is also seen as a host along with him in this show. He also has the action-thriller film ‘Maharagni: Queen of Queens’ in the pipeline. If reports are to be believed, Prabhu Deva and Naseeruddin Shah can also be seen in important roles in this film.

M-cap of 10 valuable companies: On the go of the month of August, the 8 most valuable companies in the country gave a big blow. The last businessman of the month was a harm to the stock market. On August 29, the Sensex slipped 271 points to close at 79810, while the Nifty also fell 74 points to close at 24427.

The Sensex has declined by 1826 points in this whole week. The Nifty also recorded a decline of 540 points. It also affected the market cap of many big companies of the country. The market cap of 8 companies out of the 10 most valuable companies listed in the stock market declined by Rs 2,24,630.45 crore during this period. Among them, Reliance Industries and HDFC Bank suffered the most loss.

Reliance loss of more than 70 thousand crores

Among these top 10 companies, the market cap of Reliance Industries, HDFC Bank, Bharti Airtel, ICICI Bank, State Bank of India, Infosys, Bajaj Finance and Life Insurance Corporation of India (LIC) declined, while Tata Consultancy Services (TCS) and Hindustan Unilever have benefited. The market cap of Reliance Industries has come down by Rs 70,707.17 crore to Rs 18,36,424.20 crore. HDFC Bank’s valuation has also come down by Rs 47,482.49 crore to Rs 14,60,863.90 crore.

Market cap of these companies also decreased

Similarly, the valuation of ICICI Bank has come down by Rs 27,135.23 crore to Rs 9,98,290.96 crore and Bharti Airtel’s market cap has come down by Rs 24,946.71 crore to Rs 10,77,213.23 crore. LIC also reduced the valuation of Rs 23,655.49 crore to Rs 5,39,047.93 crore and the valuation of State Bank of India has come down by Rs 12,692.1 crore to Rs 7,40,618.60 crore.

During this time, Bajaj Finance has also been damaged. Its market cap has come down by Rs 10,471.08 crore to Rs 5,45,490.31 crore. Similarly, the market cap of Infosys has been reduced to Rs 6,10,463.94 crore with a loss of Rs 7,540.18 crore.

TCS benefited so much crores

TCS and Hindustan Unilever alone have benefited. Where the market valuation of TCS increased by Rs 11,125.62 crore to Rs 11,15,962.91 crore. At the same time, the valuation of Hindustan Unilever increased by Rs 7,318.98 crore to Rs 6,24,991.28 crore.

However, despite such a big loss, Reliance Industries is still at number one in the list of most valuable companies. This is followed by HDFC Bank, TCS, Bharti Airtel, ICICI Bank, State Bank of India, Hindustan Unilever, Infosys, Bajaj Finance and LIC.

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Hdfc bank bonus share: HDFC, a large bank of private sector in the country, has announced to issue bonus shares to its shareholders in a ratio of 1: 1. A record date for this has been set on 26 August, so now investors are eyeing the bank shares.

On August 22, in early trade, the bank shares on BSE and NSE continued to fluctuate. Meanwhile, brokerage firm Jefferies has advised to buy HDFC Bank shares with a target price of Rs 2,400., its stock on Friday recorded a decline of 1 percent.

HDFC Bank shares trading

HDFC Bank shares were trading at Rs 1,973.90 per share on the NSE on Friday, the last trading day of the week. The bank’s market cap is Rs 15,14,987.03 crore. This stock is close to your intraday of Rs 1,972 per share. In the last 5 sessions, the stock has declined by about 2.4 percent. Nevertheless, this stock continues to increase by 11 percent year after year. In the last one year, HDFC Bank shares have gained 21 percent.

Why Brokerage trusts the bank shares?

Global brokerage firm Jefferies has advised to buy HDFC Bank shares with a target price of Rs 2,400. Jefferies says that HDFC Bank’s asset quality remains stable. This will help the bank to focus on the retail and SME loans of Behar Quality and will also increase its ability to give loans.

Jefferies hopes that HDFC Bank’s credit growth will improve by 11 percent by financial year 2026. In addition, the brokerage firm believes that American tariff is a major concern for all banks including HDFC Bank. However, Jeffers is not expected to have any significant impact on HDFC Bank as its investment in SME/export-oriented areas has better rating customers.

Meanwhile, Kotak Institutional Equities have recommended to add HDFC Bank shares into the portfolio with a target price of Rs 2,200 following the first quarter results.

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Hdfc bank services: Some services of HDFC, the country’s largest private bank, will be temporarily closed. It will affect facilities like Customer Care Service, WhatsApp Chat Banking and SMS Banking. The impact on these services will be from the night of 22 August 2025 to the morning of 23 August 2025. That is, a few hours from tonight, customers may have difficulty in using these services.

According to the Economic Times report, the bank is upgrading the system to improve its overall banking experience. For this reason, these services will be closed temporarily.

How long will it be affected?

These services of HDFC Bank will not be available from 11 am on the night of 22 August to 6 am on August 23. During this time, email support, phone banking IVR, social media assistance, SMS banking and WhatsApp chat banking will be off. However, if a customer’s card is lost, then they can report on the toll free number.

Which services will be operational?

During maintenance, facilities like phone banking agent services, HDFC bank net banking, mobile banking, payzapp and mycards will continue to work as before. HDFC Bank’s customers will be able to access more than 200 services at any time and anywhere through net banking platforms.

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SBI Hikes Home Loan Interest: The country’s largest government bank has given a blow to the dreams of the people who are planning to buy a house. State Bank of India (SBI) has decided to increase interest rates on home loans. The bank has increased 25 basis points in the upper band of interest rates. Earlier SBI’s home loan interest was between 7.50% to 8.45%, but now it has increased between 7.50% to 8.70%. That is, the lower limit has been kept the same, while the upper limit has been increased.

It is worth noting that in July also, SBI’s interest rate range was 7.50% to 8.45%. After this new change, now new customers will have to pay interest from 7.50% to 8.70%.

SBI shock to home buyers

In the end of July, Union Bank of India also increased the interest rates from 7.35% to 7.45%. In private banks, ICICI is providing home loans at 8%, HDFC 7.90% and Axis Bank 8.35% at the minimum interest rate.

This increase has been made by the bank at a time when the RBI is constantly trying to give relief to the people by cutting the repo rate. This step of SBI will affect especially the customers whose credit score is low, as the upper interest rate limit has been increased.

It is believed that after SBI, other public sector banks can also take such steps soon. According to the ET report, this change will currently be applicable only to new home loan customers.

Minimum balance on saving accounts: Recently, most of the public sector banks have abolished the minimum balance limit on savings accounts. Earlier it was mandatory to keep a certain amount, but the customers have been freed from this mess. However, these conditions are still applicable in many public sector banks. In such a situation, if you are planning to open an account in a bank, then this news can be of your use, because it is very important to know its minimum balance before opening an account in any bank.

What are the rules of which banks

One of the large private sector banks, ICICI Bank has changed the terms of minimum balance for savings account holders, raising this limit to branches of big cities to Rs 50,000, which was earlier Rs 10,000. Similarly, the minimum balance in semi-urban branches has been increased to Rs 25,000, which was earlier Rs 5,000, while in rural branches it has been increased to Rs 10,000, which used to be Rs 2,500 earlier. This rule has come into effect from 1 August.

Actually, every bank has fixed the minimum balance according to its own. This is the amount that you need to keep in your account, and if the balance is reduced by this limit in the month, then the bank imposes penalty on customers. Earlier, the minimum amount for urban areas in most public sectors was fixed from Rs 1,000 to Rs 4,000, but now many banks including Canara Bank, Bank of India and State Bank of India have abolished the condition of minimum balance on savings accounts.

However, this condition is still applicable in private banks. The minimum balance of savings account in HDFC and Kotak Mahindra Bank is Rs 10,000, Rs 5,000 in Bandhan Bank and Rs 12,000 in Axis Bank.

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Stocks to watch on 21st July 2025: The Indian stock market closed down on Friday, the last trading day of the previous week, on Friday, the third consecutive week declined as the investors were cautious about the uncertainty over the trade deal between the US-India and the quarter results of the companies. Investors will keep an eye on the shares of many other companies like UltraTech Cement, Eater, Reliance Industries, ICICI Bank, HDFC Bank, Geo Financial on Monday, 21 July.

Their results will come

Investors will be eyeing the shares of Eternal, IDBI Bank, UltraTech Cement and PNB Housing Finance today as today these companies are going to announce the results for the first (April-June) quarter of FY 2026.

Icici bank

The bank’s performance was good in the first quarter. The income from interest also reached Rs 21,635 crore with a jump of 10.6 percent. While the net profit increased by 15.4 percent to Rs 12,768 crore.

Hdfc bank

The income of HDFC Bank, the largest bank in private sector in the country, also reached Rs 31,438 crore with an increase of 5.4 percent from interest. Due to good profits in the first quarter, the bank has also announced a bonus share and a special dividend of Rs 5 for the first time.

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Hdfc bank bonus share: HDFC, the largest bank in the country’s private sector, is going to reward its shareholders in a very special way. The bank’s board of directors (Board of Directors) are going to meet on Friday i.e. July 19. In this, a decision will be taken to issue a special interim dividend for bonus share and financial year 2025-26. If the issue of bonus is approved, then this will be the first time in the history of the bank. However, this step will require the approval of shareholders. The bank has not yet told about bonus share ratio.

First time in the history of the bank

After this announcement made by HDFC Bank on Wednesday, its stock has gained momentum. In the information given by the bank to the stock market, it has been told that its board of directors will consider proposals to issue bonus shares under the approval of the bank’s shareholders along with the announcement of special interim dividends on the bank shares for financial year 2025-26.

The bank’s managing director and CEO Shashidhar Jagdishan had said in an annual report of the Financial Year 2024-25 released earlier this week that he is confident of increasing the advance or loan amount equal to the industry in the current financial year and the next year.

Increased deposits compared to debt

HDFC Bank Managing Director Shashidhar Jagdishan said in a message to the share holders that he is confident of increasing the advance or loan amount equal to the industry in the current financial year and to overtake it next year. He said that the deposit amount of the bank has increased 2.5 times faster than the loan. In the last financial year, the bank recorded a healthy growth by maintaining excellent asset quality. The bank’s net profit increased by 10.7 percent to Rs 67,347.4 crore in March of 2025, while net interest income increased by 13 percent.

HDFC Life Insurance increased quarterly profit

HDFC Life Insurance Company’s currency has increased by 14.4 percent to Rs 546 crore during the first quarter of Financial Year. The company’s profit has increased due to increasing ‘back-book’ profits. In the language of insurance, ‘back book’ refers to such portfolio or policies of existing loans, which the financial institutions have already released.

The private sector insurance company earned a net profit of Rs 478 crore in the April-June quarter of the last financial year. HDFC Life said in a regulatory notice that its net premium income in the June quarter increased to Rs 14,466 crore, which was Rs 12,509.62 crore in the same quarter of the previous financial year.

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