Explore Grant Thornton Bharat’s pre-Budget 2026 insights across sectors including automotive, banking, technology, infrastructure, healthcare, taxation, and investment priorities shaping India’s economic, regulatory, and policy landscape.
The banking industry has undergone a revolutionary transformation in recent years, emerging as a dynamic force that is more inclusive, agile, customer-centric, and transparent than ever before.
The future of the industry looks exceptionally promising. The rise of non-traditional players, the relentless pace of digital innovation, and strategic government initiatives to drive financial inclusion and boost digital payments are all set to reshape the financial landscape, creating unparalleled growth opportunities and new frontiers for success.
At Grant Thornton Bharat, our Banking team combines industry knowledge and experience with strategic insights to help our clients succeed. With expertise from seasoned banking professionals and former senior regulators, we provide sustainable, forward-thinking solutions that help banks overcome today’s challenges and prepare for tomorrow.
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AI maturity in India's financial services sector
Take our survey to assess the sector’s readiness for AI at scale and understand the key trends shaping the industry.
Industry understanding
Our team has extensive experience in the banking industry, offering profound insights into the market dynamics and product and operational intricacies.
Collaborative approach
Our experts consistently engage with regulatory bodies, actively contributing to discussions and workshops on regulatory and compliance matters.
Customer centricity
We are dedicated to delivering customised services and solutions that seamlessly align with the unique requirements of our clients throughout their business journey.
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Pre-Budget expectations 2026
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Union Budget 2026-27: Building momentum for a Viksit Bharat
As India prepares for a defining fiscal moment, the Union Budget 2026–27 is expected to set the tone for the country’s next growth cycle. At a time of shifting global dynamics and evolving domestic priorities, this Budget will be closely watched for clear signals on reform momentum, investment focus, and economic resilience.
Thought leadership
Proposed ECL framework for Banks in India
The Reserve Bank of India’s proposed Expected Credit Loss (ECL) framework marks a major shift in credit risk management for banks. By introducing forward-looking provisioning based on probability of default, loss given default, and exposure at default, the framework enhances early risk detection and capital planning. With strong governance, transparency, and global alignment, this reform positions Indian banks for improved financial resilience and compliance with international best practices.
Toolkit for prevention of financial frauds via Calls & SMS
Access RBI’s regulatory guidelines, key safeguards, and our expert services to help you detect, prevent, and respond to fraud attempts via calls and SMS.
Union Budget 2025
Building a resilient and inclusive economy
This report explores potential impact of the Budget across six ecosystems: climate, inclusion, technology, private capital, global value chains and regulatory.
ECL AssessPro
ECL Model Maturity Assessment Tool from Grant Thornton Bharat
Finance transformation: Innovate to elevate
Our financial transformation solution streamlines ops and automates finance with ERP, CRM and Zoho's AI-powered finance suite for real-time insights.
RBI Master Directions on fraud risk management
The Board of Directors’ overall roles and responsibilities in fraud risk management, enhance internal control frameworks, and ensure compliance.