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Indian banks are set for growth despite global challenges. S&P Global Ratings reports banks can absorb rising credit costs. Credit growth is expected to pick up from the second half of fiscal 2026. Asset quality will soften slightly. Corporate financial health is improving, indicating banks can manage potential loan defaults.

RBI Governor Sanjay Malhotra highlighted the crucial role of the account aggregator framework and the new unified lending interface (ULI) in expanding credit access for the under-served. These initiatives aim to enhance interoperability and leverage richer financial data, strengthening the credit delivery ecosystem and fostering financial inclusion.

New banking rules for credit loss provisions will have limited impact. The Reserve Bank of India has proposed a phased implementation starting April 2027. Banks will have four years to adjust existing loans. State Bank of India chairman CS Setty confirmed the bank is technologically prepared for these upcoming changes.

State Bank of India Chairman CS Setty has urged policymakers and tech developers to simplify the Know Your Customer (KYC) process, identifying it as a major hurdle for both banks and customers. SBI is also enhancing its YONO 2.

The RBI has launched four digital payment initiatives at the Global Fintech Fest to enhance customer convenience. These include AI-based UPI HELP for payment assistance and dispute resolution, and IoT Payments for transactions from connected devices. Additionally, Banking Connect offers interoperable net banking, and UPI Reserve Pay allows users to manage credit limits for specific purposes.

Foreign investors divested ₹4,521 crore from IT and ₹4,036 crore from healthcare stocks in the latter half of September. This selling was driven by concerns over US H-1B visa restrictions and new pharma tariffs, impacting export-oriented sectors. Overall, FPIs sold ₹19,647 crore across 15 sectors during the period.

The Reserve Bank of India is proposing new rules for bank loans. These changes aim to reward good credit habits. Banks will have lower capital requirements for certain loans. This could lead to more lending. Credit card users who pay on time will benefit. Big home loans may see tighter rules. These proposals are for future implementation.

In Tata Capital s IPO, the qualified institutional buyers (QIBs) portion of the non-banking financial company s IPO was subscribed 3.42 times, while the non-institutional investors (NIIs) or high-net-worth individuals portion and the retail investors portion were subscribed 1.98 times and 1.1 times, respectively. The employee reserved portion saw a subscription of 2.92 times.

Clean energy stocks are surging, outperforming major indexes and gold, driven by soaring demand for renewables to power the AI boom. Investors are increasingly recognizing the crucial role of green energy in meeting AI s immense power needs, despite policy shifts. Lower US interest rates are also supporting these capital-intensive sectors.

US stocks have seen a remarkable recovery, mirroring past rallies that often led to further gains. Investors are optimistic, driven by Federal Reserve actions and corporate resilience. However, potential challenges like government shutdowns and trade tensions loom. Upcoming earnings reports will be crucial in determining the market s direction. The tech sector s high valuations also raise some concerns.