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How Governance, Compute and Digital Rails Will Redefine BFSI

November 27, 2025 by chandra.abhisek@gmail.com

Smruthi Responsible AI Could Become the New Competitive Edge in Digital Finance

The banking, financial services, and insurance (BFSI) sector is undergoing a profound transformation driven by advances in governance, compute infrastructure, and digital rails. As regulatory frameworks become clearer and more predictable, the uncertainty surrounding compliance is expected to decrease, allowing institutions to focus more on innovation and the integration of new technologies. However, this shift brings increased uncertainty around the use of artificial intelligence (AI) in front-line workflows, as banks grapple with how to deploy AI responsibly and effectively while maintaining trust and transparency. The evolution of digital rails—secure, scalable, and interoperable infrastructure—enables seamless data exchange and service delivery, supporting both customer-facing and back-office operations. Governance is becoming more critical, with institutions establishing cross-functional teams and robust oversight mechanisms to ensure that technology adoption aligns with strategic objectives and regulatory requirements. Compute capabilities are advancing rapidly, providing the processing power needed for real-time analytics, AI-driven decision-making, and enhanced cybersecurity. As a result, banks are investing in modular, standardized services that can be easily integrated and scaled, reducing dependency on legacy systems and IT bottlenecks. These changes are not only improving operational efficiency but also enabling faster compliance, better risk management, and more personalized customer experiences. The ability to harmonize customer-facing agility with strong risk controls is a key differentiator for leading institutions. Federated data models and open finance initiatives are helping banks break down data silos and gain a unified view of customer interactions, which is essential for leveraging AI and other digital tools. Continuous compliance automation, powered by machine-readable regulations and automated policy engines, is reducing the burden of manual checks and enabling real-time evidence for audits. Transparent performance dashboards and change-management facilitators are equipping staff with the skills and insights needed to adopt new workflows smoothly. Ultimately, the convergence of governance, compute, and digital rails is redefining the BFSI landscape, creating new opportunities for growth, scalability, and customer success while also presenting new challenges in terms of risk, compliance, and workforce adaptation.

No bias in RBI’s Inflation forecast: RBI Deputy governor Poonam Gupta

November 27, 2025 by chandra.abhisek@gmail.com

RBI Deputy Governor Poonam Gupta has strongly defended the central bank’s inflation forecasting process, asserting that there is no systematic bias in the projections made by the Monetary Policy Committee (MPC). She emphasized that inflation forecasting is inherently difficult everywhere, but particularly so in India due to the high weight of food in the Consumer Price Index (CPI) and the volatility of food prices. Gupta explained that the MPC must publish forward-looking forecasts up to four quarters ahead because monetary policy operates with significant lags, and forecast errors are inevitable, especially during periods of economic shocks or uncertainty. She noted that the central bank uses a multifaceted approach to forecasting, including proven models, historical patterns, surveys, and expert consultations with ministries and analysts. Gupta also pointed out that forecast errors are a global phenomenon and not unique to India, and that the RBI takes media and expert criticism seriously, even if some coverage is not always kind. In response to concerns about overestimation of inflation, which critics argue has prevented the RBI from cutting rates further, Gupta maintained that the forecasts are unbiased and not consistently skewed in any particular direction. She also mentioned that the RBI is reviewing the base years for GDP and the CPI basket, which will help improve the accuracy of future forecasts. Gupta further revealed that the central bank is planning to release balance of payments data on a monthly basis instead of quarterly, to provide more timely insights into India’s external position amid shifting global trade dynamics. The RBI has already reduced the lag in quarterly data release from 90 to 60 days and is considering further improvements. Gupta acknowledged that both inflation and growth forecasts have been revised frequently in recent times, with past fiscal year GDP forecasts being too optimistic and retail inflation forecasts too pessimistic, but reiterated that these errors do not indicate a systematic bias. She stressed that minimizing forecast errors is important, but it is equally crucial to recognize that no forecaster gets it right all the time. The upcoming revision of the CPI basket by the Ministry of Statistics and Programme Implementation is expected to be helpful for the RBI’s forecasting efforts. Gupta’s comments come amid ongoing debates about the accuracy and reliability of the RBI’s projections and their impact on monetary policy decisions.

Online Registration for Agriculture Establishment of Distribution Center with Millets Processing and Packing, Uttar Pradesh

November 27, 2025 by chandra.abhisek@gmail.com

The Uttar Pradesh government has launched an online portal to facilitate entrepreneurs in registering for the establishment of Millets Processing, Packing, and Marketing Centres. This digital platform streamlines the application process by enabling online submission of necessary details, documents, and proposals, thereby promoting millet-based enterprises under government initiatives. The initiative aims to add value to millet production, enhance market development, and ultimately increase farmers’ incomes by creating processing and marketing opportunities. The Uttar Pradesh Millets Revival Programme, approved in 2023, complements this effort by focusing on millet production, processing, and consumption across all 75 districts, with a budget allocation of ₹186.26 crore until 2026-27. The program supports traditional millet cultivation, improves farming techniques through collaboration with agricultural universities, and provides financial and technical assistance to startups and small businesses in the millet sector. It also aims to connect millet farmers with food processing industries and retail chains to ensure better price realization and market access. The initiative is part of a broader national push, including schemes like the Pradhan Mantri Formalisation of Micro Food Processing Enterprises (PM-FME), which allocates significant funding to support millet processing units and incubation centers across India. These efforts collectively seek to strengthen the millet value chain, promote nutritional security, and position Uttar Pradesh as a key player in millet exports by improving quality standards and branding. The portal and associated programs reflect a strategic approach to reviving millet cultivation, enhancing rural livelihoods, and fostering innovation and employment in the agro-processing sector.

Apply for Money Lender’s Licence, Tamil Nadu

November 27, 2025 by chandra.abhisek@gmail.com

The licensing authority reviews applications based on the applicant’s competency, suitability of the business premises, and public interest considerations. The license is typically valid for one year and must be renewed accordingly. The State Government holds powers to regulate the licensing process, including setting terms, conditions, and forms for applications, as well as overseeing appeals and enforcement. Money lending businesses must display the license name along with the words “money-lender” in English and the regional language at their premises. The process ensures transparency, legal compliance, and consumer protection in the money lending sector in Tamil Nadu.

Apply for Licence under Pawn Broker Act, Tamil Nadu

November 27, 2025 by chandra.abhisek@gmail.com

Applying for a licence under the Pawn Broker Act in Tamil Nadu is a structured, online process managed through the Tamil Nadu e-District portal (TNeGA). Applicants must first register and obtain a Citizen Access Number (CAN) using Aadhaar and OTP verification. Once registered, they can log in and access the REV-401 service for the Pawn Broker Act licence. The application process requires filling out detailed personal and business information, including the applicant’s name, address, shop address, and nominee details. Applicants must upload several mandatory documents such as a passport-size photograph, residence proof, solvency certificate, shop address proof, property documents (Patta/Chitta), bank challan for fee payment, Form A as per the Act, nominee character certificate, nominee residence proof, nominee solvency proof, self-declaration, and lease agreement if applicable. The fee payment is made via bank challan, and a service charge of ₹60 is paid online. After submitting the application and uploading documents, applicants receive an acknowledgement receipt for tracking. The application is then reviewed by the licensing authority, typically the Tahsildar of the Taluk or independent Deputy Tahsildar. If approved, the licence can be downloaded from the portal. The licence is valid for five years and can be renewed. Applicants must ensure all information and documents are accurate and complete to avoid delays or rejection. The process is designed to ensure legal compliance, regulatory verification, and business verification for government and banking purposes. The nominee must be solvent and of good character, as they may continue operations if the licensee surrenders or dies. The entire process is streamlined to facilitate transparency, efficiency, and accessibility for pawnbrokers in Tamil Nadu.

JAC Class 10 And 12 Date Sheet 2026 OUT: Check Jharkhand Board Matric And Intermediate Exam Time Table

November 27, 2025 by chandra.abhisek@gmail.com

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The Jharkhand Academic Council (JAC) has officially released the date sheet for the Class 10 (Matric) and Class 12 (Intermediate) board examinations for the year 2026. The exams for both classes will commence on February 3, 2026, and will be conducted in two separate shifts each day. Class 10 exams will be held in the morning shift from 9:45 am to 1:00 pm, while Class 12 exams will take place in the afternoon shift from 2:00 pm to 5:15 pm. The Class 10 board exams will conclude on February 17, 2026, whereas the Class 12 exams will continue until February 23, 2026. The detailed subject-wise timetable is available for download in PDF format on the official JAC website, jac.jharkhand.gov.in, allowing students and schools to plan their preparation and logistics accordingly. Admit cards for Class 10 will be issued on January 16, 2026, and for Class 12 on January 17, 2026, giving students ample time to finalize their exam preparations. Practical exams and internal assessments for both classes are scheduled from February 24 to March 7, 2026, and will be conducted at respective schools. JAC has issued a strict warning that any student absent during the practical exams will be marked absent for the entire board examination and will not receive mark sheets. The timetable includes all major subjects, with Class 10 exams starting with vocational subjects and ending with languages, while Class 12 exams begin with vocational subjects and conclude with Hindi-B. Students are advised to regularly check the official website for updates and to download the PDF timetable for reference. The release of the date sheet marks the beginning of the crucial academic season for Jharkhand board students, as Class 10 results influence stream selection for higher studies and Class 12 marks are vital for college admissions and career opportunities. The board has ensured transparency and accessibility by making the timetable available online, and schools are expected to follow the schedule strictly. This announcement is significant for students, parents, and educators across Jharkhand as it sets the timeline for the most important academic event of the year.

Stock Market LIVE: Nifty, Sensex Hover Near Record Highs As HDFC Bank, ICICI Bank Shares Lead

November 27, 2025 by chandra.abhisek@gmail.com

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On November 27, 2025, the Indian stock market saw the Nifty 50 and Sensex indices trading near record highs, continuing a strong upward trend fueled by positive global cues and robust domestic performance. The Nifty 50 reached a fresh 14-month high, surpassing its previous peak of 26,277.35 from September 2024 by touching 26,295.55, while the Sensex traded close to its all-time high, gaining around 0.41% intraday. Key banking stocks such as HDFC Bank, ICICI Bank, and Axis Bank led the rally, with the Bank Nifty also hitting record levels. The broader market showed gains, with midcap and smallcap indices rising modestly, and sectoral indices like metal, auto, oil & gas, and defense contributing to the positive momentum. This rally was supported by fresh foreign inflows and upbeat investor sentiment despite the rupee hovering near record lows against the US dollar.

The market’s strength was further bolstered by optimism around government spending themes, energy security, and the impending launch of India’s first National Coal Exchange, which is expected to enhance transparency in coal pricing. On the technical front, analysts noted strong support levels for the Nifty 50 around 26,050–26,100, with resistance near 26,300–26,350. The rally extended a multi-session winning streak, with the Sensex gaining over 500 points in recent sessions and the Nifty crossing the 26,000 mark firmly. This performance reflects a broad-based buying momentum across sectors, including private and PSU banks, IT, consumer durables, and metals, indicating sustained investor confidence in the Indian equity market’s near-term prospects.

Dalmia Bharat Shares: HDFC Securities Trims Ebitda Estimates But Maintains ‘Buy’ — Check Revised Target Price

November 27, 2025 by chandra.abhisek@gmail.com

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Dalmia Bharat Limited, one of India’s leading cement manufacturers and the fourth-largest by installed capacity, has achieved its targeted production capacity of 49.5 million tonnes per annum (MTPA) for the financial year 2025. This milestone was reached with the commencement of commercial production of an additional 0.5 MTPA at its Rohtas Cement Works plant in Bihar, effective March 30, 2025. The company’s manufacturing footprint is spread across 10 states and 15 units, with a strong presence in eastern India, particularly in Bihar, Jharkhand, West Bengal, and Odisha. This expansion is expected to enhance Dalmia Bharat’s ability to meet the rising infrastructure demands in the region, including sectors such as roads, railways, and airports, while also generating employment opportunities and contributing to regional economic development. The company is recognized for its commitment to innovation, sustainability, and high-quality cement solutions, and it continues to invest in green initiatives such as renewable energy and low-carbon manufacturing. Dalmia Bharat’s cement division accounts for 97% of its total revenues, and the group is listed on both the BSE and NSE with promoters holding a 56% stake. The company’s operating efficiencies have improved due to a higher proportion of blended cement sales and increased use of green power, supporting profitability despite some year-on-year decline in OPBIDTA per tonne due to weak cement prices. However, profitability rebounded in the first quarter of FY2026, driven by a pickup in prices and healthy demand. Analysts expect Dalmia Bharat’s revenues to grow by 8-10% in FY2026, supported by volumetric growth, new capacity ramp-ups, and sustained demand from housing and infrastructure sectors. The company’s current capacity and ongoing expansion plans are considered sufficient to deliver a 7% volume CAGR, positioning it well for future growth. Dalmia Bharat remains dedicated to sustainable business practices, including being the first cement company globally to commit to RE100, EP100, and EV100, demonstrating leadership in the clean energy transition. Its diversified operations also include sugar, refractories, and power, but cement remains its core business. The company’s strong market presence, strategic expansion, and focus on sustainability are key factors underpinning its long-term growth prospects.

The Surge of Digital Lending in India: Trends and Challenges

November 27, 2025 by chandra.abhisek@gmail.com

India’s digital lending landscape is experiencing unprecedented transformation. What began as a niche fintech segment has evolved into a critical pillar of the country’s financial infrastructure, reshaping how millions access credit. The market valued at USD 200.13 million in 2024 is projected to reach USD 19.88 billion by 2025-26, growing at a compound annual growth … Read more