RBL Bank News: A big deal is going to happen between private sector bank RBL and Emirates NBD Bank in the country. UAE lender is going to buy 60 percent stake in RBL. This deal will be for about 3 billion dollars (about Rs 26,850 crore). This is considered to be the biggest deal so far in the private sector banking of the country. The boards of RBL Bank and Emirates NBD approved this deal at their respective levels on Saturday.

This investment, made through preferential allotment of up to 60 percent, is subject to the approval of the Reserve Bank of India (RBI), shareholders and other regulatory bodies. Under SEBI’s takeover regulations, Emirates will also make an open offer to acquire up to 26 per cent stake from public shareholders. As per RBI guidelines, once the preferential issue is completed, Emirates will become the promoter of RBL and will also gain control over it.

This deal is considered to be one of the largest foreign investments made so far in the country’s banking sector. Emirates NBD said that this investment reflects their long term commitment towards India. It reflects India’s growing importance within the India-Middle East-Europe Economic Corridor (IMEC) and strengthens the India-UAE comprehensive economic partnership.

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Problems increased due to RBI’s new check clearing system! It’s taking 10 to 12 days instead of the same day.

Rbi governor sanjay malhotra: Reserve Bank of India (RBI) Governor Sanjay Malhotra said on Saturday that India will soon become the third largest economy in the world. He credited the Pradhan Mantri Jan Dhan Yojana for promoting the development of the country. His statement has come at a time when India’s GDP has moved forward at a rate of 7.8 % in the April-June quarter of the current financial year despite the ongoing tariff tension in the country. This is the highest among the five quarters before America’s heavy tariffs are imposed.

Plan started 11 years ago

Addressing the financial inclusion campaign of a government bank in Rangwasa village of Indore, he said that the Central Government and RBI had launched Jan Dhan Yojana with the help of banks 11 years ago, which has developed the entire country.

He said, “Today India is counted among the 5 most developed countries in the world and very soon the country will become the third largest economy.” The RBI Governor said that 55 crore accounts have been opened under this scheme to ensure the participation of people of all classes in this journey of the country, so that they are being provided saving, pension, insurance, loans and other services. State Bank of India (SBI) Chairman CS Setty was also present on the occasion.

Recently, the Pradhan Mantri Jan Dhan Yojana completed its 11 years. On this occasion, PM Modi said that this scheme has given people the power to write their own luck. He also said that when the last person is financially connected, the whole country moves forward together. This scheme was started on August 28 in 2014.

From Financial Exclusion to Empowerment! Here is a glimpse of how PM Jan Dhan Yojana has transformed lives across India. #11yearsofjandhan https://t.co/z0vxpo0e3r

– Narendra Modi (@narendramodi) August 28, 2025

What is Jan Dhan Yojana?

Please tell that the purpose of this scheme is to open the bank account of the poor and provide them with the benefit of government schemes. There is no need to keep a minimum balance in it. Also, overdraft facility is also available. In this, account hold is also given the facility of insurance and due to some reason, family members get the benefit of nominee. Under this, you have to go to the bank and apply to open an account. From there, the form of Jan Dhan Yojana will have to be filled.

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Rbi new rule: The Reserve Bank of India has given relief to crores of customers by changing the rules of depositing checks in banks. This will benefit those who usually pay by check. Check clearance takes a long time in our country’s banking system. That is, it takes 2-3 days to get money in the account on payment by check. Due to this delay, there are problems for those people or traders who usually pay or take a check on check. However, this will not happen now.

Clearance system will gain momentum

The Reserve Bank of India (RBI) is going to bring a fast clearance system. With this, money will come in the account after a few hours of depositing the check. From October 4, 2025, the time taken in check clearance process will be reduced to a great extent. This change will be under the check tankation system (CTS). Where till now it took T+1, ie Till the next Working Day to clear the check. If the check is from another bank, it takes up to three days. At the same time, now the entire clearance process will be reduced to a few hours.

Clearing will continue throughout the day

According to the RBI circular, this new system will be known as ‘Continuous Clearing and Settlement on Realization’. That is, there will be frequent clearing during functioning in banks. Since till now, processes were made in check batch under check tankation system (CTS), so it used to take time for clearance. Whereas under this new system, the check scanned in the bank from 10:00 am to 4:00 pm will be sent to the clearing house immediately. This will speed up the process.

Rules will be more strict in the second phase

The new system will be implemented in two stages. The first phase will begin on October 4, 2025 and the second phase will begin on January 3, 2026. In the first phase, banks will have to do positive or negative verification of checks by 7 pm. No timely verification checks will be considered as approved and they will be included in the settlement.

At the same time, in the second phase, rules will be made more strict. In this, the verification of the check will have to be done in 3 hours. If the bank gets a check between 10:00 am to 11:00 pm, then it will get time for verification till 2:00 pm. After the completion of the settlement, the clearing house will send confirmation details to the bank and the money will be sent to the customer immediately.

It has to be kept in mind that it should not take more than one hour after settlement in sending money. Its purpose is to reduce the risk of settlement, improve efficiency and provide more better to customers.

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Repo Rate Cut: The decision taken in the meeting of the Monitoring Policy (MPC) of the Reserve Bank of India (RBI) has been announced. This time, it has been decided to retain the repo rate at 5.5 percent in the meeting. RBI Governor Sanjay Malhotra announced a unanimous result of all the members of the committee by holding a press conference on Wednesday, August 6. He also told that the committee has also maintained its stance on the policy ‘neutral’. Let’s see what experts have to say on this decision of RBI?

Now the right time to move forward

Sakshi Katiyal, chairperson of Home and Sol, says that the decision to keep the repo rate stable due to increasing tariffs worldwide is a sensible step. Due to liberal policies adopted throughout the year, it has become cheaper to take a loan and cash has also increased in the market. Now that inflation is under control and economic activities are gaining momentum, this stability gives a clear indication for both home buyers and developers that now is the right time to move forward.

Real estate will get stability

CRC Group Director (Marketing and Business Management) Salil Kumar says that RBI’s decision to keep the repo rate stable is a welcome and stability step for both residential and commercial real estate segments. By maintaining neutral stand by the central bank, it is also expected that rates may be cut in the coming time, which will further strengthen the market.

He further said, “Stable interest rates for homebeeers maintain the house to buy the house and help them decide with confidence. At the same time, this decision will bring this decision in the commercial sector and the cost of the loan remains stable, especially the interest of investors in office and mixed-use projects may increase. We hope that the RBI will adopt such a balanced stance so that all the property segments can continue to grow longer.

Promotion of housing demand from rate cuts

Ashwani Kumar of Pyramid Infratech says, “In view of the current economic situation, the RBI’s decision to maintain the repo rate at the same level reflects a balanced and cautious attitude. We believe that if the rates were cut, it would have further boosted housing demand and people’s trust would have been strengthened with stability in the market. Such continuity is necessary for the real estate sector, as it helps to maintain the positive thinking of the existing buyers, especially for those who are planning to buy a house for the first time. ”

RBI steps with future thinking

Manit Sethi, director of the Excellent Infra, says, “The RBI’s decision to keep the repo rate stable on 5.5 percent is a steady and future step. In such a policy for the real estate sector, continuity instills long -term trust in both buyers and developers. This makes it easy to take a loan, promotes investment and grows further than festivals. Stability is very important for this sector because it rests on trust and clarity.

RBI’s decision shows the strength of the economy

Trident Realty CEO Parvinder Singh says, “We welcome the RBI’s decision to keep the repo rate stable.” In the current economic environment, which is surrounded by constant inflation and global uncertainties, this stability is not only assuring the real estate sector but also encouraging. The atmosphere of stable interest rates confidence in making future planning to home buyers, on the other hand, gives developers an opportunity to focus on long-term and value-based projects. ‘

He further said, “This decision reflects trust in the strength of the Indian economy and supports a healthy investment environment. This not only strengthens the perception of the residential market, but today’s home further strengthens our commitment to sustainable and future projects keeping in mind the changing needs of buyers and communities.

Luxury housing segment expected demand to boom

At the same time, AU Real Estate Director Ashish Aggarwal said, “We appreciate the RBI’s decision to keep the repo rate unchanged as it gives the real estate sector the necessary stability that is most needed in the current circumstances. In the AU Real Estate we believe that the constant stability in the repo rate leads to the market, especially in long-term long-term investment areas such as luxury property, establishs trust and transparency.

He further says, “Stable interest rates not only increase the power of the house, but also make the home loan more accessible. As the financeing gets easier, we expect a boom in demand in the luxury housing segment, especially from the customers who are looking for the best and customized homes that fulfill their lifestyle aspirations. This stable economic environment not only enhances the confidence of buyers, but also encourages us to manufacture high quality, specific and durable luxury projects.

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RBI MPC Meeting: Interest rates are not changed between tariff tension, growth rate of 6.5%, RBI Governor Sanjay Malhotra announced

SBI Chief Economic Advisor Soumya Kanti Ghosh says, we hope that the RBI will continue to move forward with a cut of 25 basis points in its policy of August. We are living in a moving world. Uncertainty on the tariff is going ahead, better GDP growth is currently moving forward, CPI figures are moving forward in FY 27, CPI figures with the new CPI series in FY 27 will remain ahead with less than 4 percent and the festive season is also starting in FY 2026.

RBI mpc meeting August 2025: The Monetary Policy Committee (MPC) meeting of the Reserve Bank of India (RBI) led by Governor Sanjay Malhotra is being held today. In this, there is a possibility of cutting interest rates for the fourth consecutive time. After this three -day meeting, the decision taken in it will be announced on 6 August. So far in the year 2025, the repo rate has been cut by 100 basis points. Currently the repo rate is 5.50 percent. Now in such a situation, the question arises whether the repo rate will be cut by the Reserve Bank or the interest rate will be retained this time too.

Will the common man get relief again?

Most experts believe that this time RBI can keep it stable after reducing the repo rate three times in a row. There was scope for change due to inflation and growth on the domestic front, but the external adverse conditions – especially on Indian exports, 25 percent American tariffs have blurred the near future economic scenario.

According to a report by news agency PTI, Madan Sabnavis, Chief Economist, Bank of Baroda, says that there is no possibility of less inflation or impact of American tariffs in June on the decision of monetary policy as these things have been considered in the first policy review. He believes that in view of the US tariff and low inflation in June, the RBI will not make any change in policy rates. Since the effect of the tariff has not been fully revealed right now, the Reserve Bank can stop a little to assess it. He said, so there is no possibility of changing the attitude towards development due to tariffs. However, it will be interesting to see what the RBI decides about the repo rate.

Estimates of inflation rate

Experts believe that there may be a slight decrease of 0.1–0.2 percent in the estimate of inflation for the whole year, which can be reduced from 3.7 percent to 3.5-3.6 percent. This is far below the target of 4 percent of the Reserve Bank. Due to this, the Reserve Bank gets scope to further cut rates.

Carey ratings believe that RBI will not cut further. He says that the Reserve Bank has already given active response to inflation trends and before taking any new step, the impact of the cuts made in the previous rates will be assessed first.

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Viral post: A post on WhatsApp and other social media platforms is becoming increasingly viral, in which it is being claimed that 500 notes will be closed from September. It is being said in this post that the Reserve Bank of India (RBI) has directed to stop issuing 500 notes from ATM after September 30, 2025. It is also being claimed in the post that only 200 and 100 rupee notes will be available at ATMs.

Government immediately took steps

It was informed in the post that RBI has directed all banks to stop issuing 500 rupee notes from ATM by the end of September 2025. There was a stir as soon as this post came in front. The government immediately took steps to lie in this claim made in the viral post.

The Press Information Bureau (PIB) described this post as fake and said that RBI has not said anything like this to banks. PIB spoke not to pay attention to these false news and take information from government sources only. 500 notes will remain valid. That is, you will still be able to transact with it as before.

Has RBI really asked banks to stop disbursing ₹ 500 Notes from Atms by September 2025?

A message falsely claiming exactly this is spreading on #WhatsApp #Pibfactcheck

no such instrument has been is if Issued by the @Rbi,

₹ 500 Notes will continue to be legal tender.

… pic.twitter.com/znwuedout8

– Pib Fact Check (@Pibfactcheck) July 12, 2025

RBI gave these instructions

The Reserve Bank recently changed the rules and directed that by 30 September 2025, 75 percent notes in ATM should be Rs 100-200. It will increase to 90 percent by 31 March 2026. The objective behind this should be reduced to the problem of holiday money and the customers do not have much trouble. Due to this, people will not have to worry much for small notes.

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Home loan is going to be cheaper, RBI can re -cut repo rate; Report claimed

Rbi repo rate: If you are dreaming of buying a house then it is happy for you. In the coming time, installments are going to be more cheap. The Reserve Bank of India (RBI) can re -cut the repo rate. A report released on Tuesday said that in the Monetary Policy Committee (MPC) meeting to be held in December, the repo rate will be cut by 25 basis points. With this, by the end of the year 2025, the repo rate will be 5.25 percent. In view of the decrease in inflation in recent months, there is no possibility of making any changes in the repo rate of the Reserve Bank in the next two MPC meetings.

HSBC report revealed

The report of HSBC Global Research states that there is no change in the repo rate in the meetings of August and October. However, we believe that the Reserve Bank will cut the final rates of 25 basis points in the December meeting, which will make the repo rate 5.25 percent by the end of 2025.

Inflation decreased in June

In the month of June, the rate of consumer price index based inflation was reduced from 2.8 percent of May to 2.1 percent in June. This decline in inflation has come due to cheap food and drink, which is expected to decrease further. The report also claimed that the average inflation in the second quarter of 2025 would be at 2.7 percent level, which is less than the RBI’s 2.9 percent estimate.

Governor Sanjay Malhotra said this

Here, while talking at the repo rate, Reserve Bank Governor Sanjay Malhotra said in an interview to CNBC TV18 on Tuesday, both of them are equally responsible for cutting the repo rate. That is, whatever decision will be taken regarding the repo rate in the next meetings of MPC, it will depend on inflation and economic development. The Reserve Bank first cut the repo rate by 0.25 basis points in February and then in February and then April this year. Due to this, it had reduced to 6.00 percent. After this, a reduction of 0.50 basis points in the repo rate was announced again in June, which reduced from 6.00 percent to 5.50 percent.

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Unclaimed Amount: Banks have an abandoned of Rs 78,213 crore. That is, there is no one among those claiming this amount. In such a situation, Finance Minister Nirmala Sitharaman has appealed to the banking regulators on Tuesday to return the uncured deposit to their real owners.

Unclamed amount is increasing in banks

While presiding over the 29th meeting of the Financial Stability and Development Council (FSDC), he also talked about making KYC process easier for all Indian citizens including NRIs so that transparency in the banking sector comes, it will be easy to access everyone and digitty is much better than before.

According to the new RBI data, by March 2024, the unclaimed amount in banks has increased by 26 percent over the previous year. Now this number is Rs 78,213 crore. By the end of March 2023, an amount of Rs 62,225 crore has been deposited under the Depositor Education and Awareness Fund alone. The non -claimed funds include the amount deposited in the banks as well as the share and dividends and non -claimed insurance and pension funds.

Money will be distributed by setting up camps

In view of the growing uncured amount, Finance Minister Nirmala Boundarman directed financial regulators like RBI, SEBI, MCA, PFRDA, and IRDA to set up special camps at the district level. Through this, the work of spreading unclaimed money to their right owners will be done rapidly. The meeting was attended by former Reserve Bank Governor Shaktikanta Das, SEBI President Tuhin Kanta Pandey and IFSCA President K Rajaraman, including IRDAI, PFRDA, IBBI and senior representatives of various departments of the Central Government.

How to find out the uncured amount-

• For this, first you have to go to RBI’s Udgam portal udgam.rbi.org.in.
• Click on Register here.
• Enter all the information sought here properly.
• Then set a password and fill the captcha code.
• Now enter the OTP on the phone.
• Once the registration is done, go to the Udgam portal again and login.
• Enter the name of the account holder and choose one of the banks given in the list.
• Now enter the account holder’s PAN card number, voter ID, passport or license number.
• After this, click on the search button.
• If there is an unknown deposit in your name, then your information will be given to you on the screen.

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Gold Loan: The Reserve Bank of India (RBI) made major changes in the rules of gold loan on Friday, which are going to be implemented soon. These new rules include the increase of LTV ratio, exemption from credit appraisal to gold loans up to Rs 2.5 lakh. Another rule is talked about implementing, under which gold loan will be available only after showing the receipt of buying gold jewelery.

If there is no receipt?

The RBI has said in its draft proposal that the bank or NBFC will not give a loan if there is doubt about the gold loan ownership. That is, if you are thinking of taking a loan in lieu of it by pledging gold and taking a loan, then first you have to show the receipt.

Suppose if you do not have an original receipt, then you have to give self-dealing. That is, you have to prove that you have inherited jewelry and you still own it. Actually, the bank or NBFC will keep the pledge of gold being pledged to keep the pirate verification with them.

What about the inherited jewels?

Many times we get gold ornaments from our parents or on the occasion of marriage. In this situation, the possibility of receipt of receipt is negligible, so can the acer gold jewelery be pledged and cannot be taken?

The answer is that if you have inherited gold jewelry and do not have a receipt for it, you can still get a loan, provided gold is real and valid. In this situation, landers will check things like gold purity, weight, market value. Apart from this, keep the documents required for applying for the loan such as PAN card, Aadhaar card, address proof, passport.

The aim of RBI is to provide loans in a transparent manner to customers with small debt so that they get both more confidence and security. Along with this, fraud and money laundering can also be banned. On April 9, the Reserve Bank issued a draft of new rules of gold loan. In cases of gold loan, RBI wants to set a similar rule for bank and NBFC so that customers do not have any kind of confusion or trouble.

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