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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.

A leading private bank partnered with Grant Thornton Bharat to conduct a regulator-directed audit across IT, cybersecurity, and digital payments. Through a comprehensive review of 13 critical domains, our experts identified compliance gaps, strengthened governance, and enhanced the bank’s digital risk management framework — enabling sustained regulatory confidence and operational resilience.

India’s financial sector is entering a new phase of AI governance. With RBI’s FREE-AI framework and SEBI’s responsible AI approach, regulators are shaping a future where innovation meets accountability. This piece explores how policy, technology, and ethics are converging to create a responsible AI ecosystem across banking, capital markets, and insurance.

This Financial Services Dealtracker Q2 2025 edition provides insights into deal volumes, investment trends, and sectoral movements that shaped the quarter’s performance.

The latest edition of the RBI Regulatory Banking Insights presents key updates for June 2025.

We are pleased to release the May 2025 edition of the Regulatory Banking Insights, which brings our perspective on the updates in the Banking industry during May 2025.

This edition of the RBI Regulatory Banking Insights provides key RBI updates from December 2024 to April 2025. It highlights the strategic interventions by the Reserve Bank of India (RBI) to ensure the Indian banking system's continued resilience, integrity, and inclusiveness.

In today’s rapidly evolving financial landscape, co-lending has emerged as a key enabler of credit expansion in India, facilitating partnerships between banks and non-banking financial companies (NBFCs) to extend credit more efficiently to underserved segments.

This would provide a last resort to safeguard entities from liquidation. This can apply to some unresolved aspects during the CIRP which could have some continued business operations.

Financial services have expanded over a decade, giving millions access to bank accounts and digital payments. But true empowerment needs to reach every corner of the country if growth is to be long-term and sustained

In today’s fast-evolving digital payments landscape, ensuring a seamless, secure, and efficient process for bill payments has become crucial for both consumers and financial institutions.

We are pleased to release the latest edition of our RBI Regulatory updates, covering the updates from September, October and November 2024.

As UPI dominates, will banks step up to reclaim their market? UPI continues its meteoric rise, handling 69.6% of India’s digital transactions and reaching %20.6 lakh crore across 14.8 billion transactions in August 2024 alone.

RBI’s priority sector lending guidelines have a key role to play in providing credit to small farmers, artisans and micro firms

Explore Q3 2024 financial services deals and trends with Grant Thornton Bharat Dealtracker. Get insights into M&A, PE and venture capital activities.

We are pleased to release the August 2024 edition of the RBI Regulatory Banking Insights, which brings RBI regulatory updates for the month.