News & Updates

Treasury MT 340 Explained: Forward Rate Agreement Confirmation

How banks confirm an FRA — an agreement to fix an interest rate for a future period, without exchanging principal. 26 Aug 2026 · 2 min read

Insurance Term Insurance vs Health Insurance: Two Different Kinds of Protection

Banks commonly cross-sell both term life and health insurance, but the two protect against very different risks. Here is what each actually covers. 25 Aug 2026 · 2 min read

KYC KYC in Indian Banking: CDD vs EDD Explained

Every bank account starts with Know Your Customer checks. Learn the difference between standard Customer Due Diligence and the stricter Enhanced Due Diligence applied to higher-risk customers. 25 Aug 2026 · 2 min read

Digital Loans Mudra and Small-Ticket MSME Loans Without GST Registration

How small businesses without GST registration can still access Mudra-category credit, what Shishu/Kishor/Tarun mean, and what documentation actually substitutes for a GST return. 25 Aug 2026 · 2 min read

Treasury MT 330 Explained: Call/Notice Loan/Deposit Confirmation

How banks confirm a money-market deposit that has no fixed maturity, redeemable on an agreed notice period instead. 25 Aug 2026 · 2 min read

Digital Loans Pensioner Loans: Borrowing Against a Pension Income

How a pensioner loan's eligibility and tenure differ from a working-age personal loan, and what family members co-signing should understand. 24 Aug 2026 · 2 min read

Treasury MT 320 Explained: Fixed Loan/Deposit Confirmation

How banks confirm the terms of an interbank money-market deposit or loan with a fixed maturity date. 24 Aug 2026 · 2 min read

Digital Loans Personal Loans for Existing Bank Customers: What Speeds Up Approval

Why an existing customer's personal loan application typically moves faster, what pre-approved offers actually mean, and what to still verify before accepting one. 23 Aug 2026 · 2 min read

Treasury MT 300 Explained: Foreign Exchange Confirmation

The SWIFT message that confirms the agreed terms of a spot, forward, or swap FX deal between two counterparties. 23 Aug 2026 · 2 min read

Digital Loans Personal Loans for New-to-Bank Customers: What Changes Without a Track Record

Why a first personal loan with a new bank looks different from a repeat loan with your existing bank, and what strengthens a new-to-bank application. 22 Aug 2026 · 2 min read

Forex MT 210 Explained: Notice to Receive

How a bank gives its correspondent advance warning of an incoming credit, to help with liquidity planning. 22 Aug 2026 · 2 min read

Financial Literacy Understanding Your CIBIL Score: Why It Matters and How to Improve It

A credit score is a three-digit summary of how lenders see your repayment behaviour. Here is what feeds into it and practical steps to improve it over time. 21 Aug 2026 · 2 min read