RBI speaks in circulars. Borrowers, CAs and DSAs need plain English. Every time RBI drops a circular, bulletin or policy move that touches bank credit, we decode it here within a day: what changed, who it affects, and what it means for your credit file.
No noise, no 40-page PDFs. Just the parts that change a lending decision.
Repo at 5.50%, stance now calibrated tightening: how the October 2026 hike reprices your floating loan and shrinks DSCR headroom on live files.
RBI’s September 2026 bulletin: a high CD ratio does not mean banks are short of funds. What it means for your loan approval, in plain English.
The standing guides our decodings build on. Read these once and every future circular makes more sense.
RBI's 2024 fraud-direction triggers, mapped to what banks actually watch in your account.
The Tandon and Chore committee history, and why RBI withdrew MPBF in April 1997.
The 7-form set banks ask for, what each part proves, and how officers read it.
How money-trail analysis catches fraud, and what the July 2024 RBI directions changed.
The DSCR bands banks use, and where the 1.33 rule really comes from.