The emerging priorities of India’s banking sector for 2025–2035 centre on strengthening deposit mobilisation to support rapid credit expansion, especially by deepening outreach in rural and semi-urban areas. Banks are shifting focus toward high-growth segments such as manufacturing, infrastructure, and renewable energy, while expanding green finance through sustainability-linked lending and support for technologies like Small Modular Reactors. Financial inclusion remains a core objective, with schemes such as PM MUDRA, PM Vishwakarma, PM Surya Ghar, PM Vidyalaxmi, and KCC enhancing grassroots access to credit. Agriculture lending is being redesigned under the PM Dhan Dhanya Yojana to boost productivity in low-performing districts. At the global level, banks are strengthening their presence through platforms like GIFT City and the India International Bullion Exchange. A parallel priority is improving customer experience through multilingual digital platforms and faster grievance redressal, reflecting a shift toward more technology-driven and citizen-centric banking.
Click to View MoreIndia is working to build big and world-class banks to support its growing economy and global competitiveness. Reforms like the Indradhanush Plan, Atmanirbhar Bharat recapitalization, EASE reforms, and FSIB governance improvements have strengthened public sector banks. Digital innovations like UPI and Public Tech Infrastructure, along with the IFSC at GIFT City, position India as a leader in financial technology and global banking. The focus going forward is on capital adequacy, governance, digitalization, risk management, sustainability, and global integration to create banks that are efficient, resilient, and internationally competitive.
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India’s fintech sector has rapidly evolved through digital innovation, government support, and growing internet access—transforming payments, lending, and financial inclusion—while facing challenges like regulation, data privacy, and cybersecurity.
Click to View MoreStablecoins are cryptocurrencies pegged to assets like the dollar or gold to ensure price stability. They enable fast, low-cost global payments and support DeFi, but raise risks of financial instability and regulatory concerns.
Click to View MoreIndia’s UPI expands to Qatar via Qatar National Bank and Qatar Duty Free, enabling seamless, real-time payments for Indian travelers. Driven by NPCI International, it boosts tourism, retail, and bilateral ties, showcasing India’s digital strength and advancing global payment interoperability.
Click to View MoreStablecoins are cryptocurrencies pegged to assets like the dollar or gold to ensure price stability. They enable fast, low-cost global payments and support DeFi, but raise risks of financial instability and regulatory concerns. India remains cautious, prioritizing UPI and Digital Rupee while debating stablecoin regulation amid growing global adoption.
Click to View MoreDigital Public Infrastructure (DPI), utilizing Aadhaar, UPI, DigiLocker, and India Stack, is revolutionizing governance by enabling inclusive, paperless, and cashless services. It bridges digital divides, promotes financial inclusion, and offers scalable models for the Global South. Despite concerns over privacy, security, and equitable access, DPI offers a replicable framework for sustainable growth.
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