Understanding Corporate Relationships: A Banker’s Guide to Subsidiaries, Sister Concerns, Associates, Joint Ventures, Conglomerates, and Groups

Loans and advances

Introduction For bankers, understanding how different corporate entities relate to one another is more than an academic exercise—it directly impacts credit decisions, exposure limits, and regulatory compliance. Terms like subsidiary, associate company, or joint venture may sound similar, but each has a distinct legal and accounting meaning that influences how risks are consolidated and how…

Size, Reach, and Growth: The FM’s Vision for India’s Banking Future

Bank News

Finance Minister Nirmala Sitharaman used the 12th SBI Banking & Economics Conclave in Mumbai to press for building many “big, world‑class banks,” deepen credit to productive sectors, sustain fiscal prudence, and operationalize a pragmatic, inclusive roadmap toward Atmanirbhar Bharat without shutting the door on market innovation such as F&O trading. ​ World‑class banks push Deepen…

Comprehensive Credit Guidelines for Pisciculture (Fish Farming) Loans: Banking SOP

Priority Sector Advances

Pisciculture lending involves financing fish farming activities end-to-end—from pond creation and seed stocking to feed, health care, harvesting, and marketing—with bank SOPs focusing on borrower selection, project viability, risk controls, and compliant disbursement-monitoring cycles. Banks generally offer term loans for assets (ponds, raceways, cages, aerators, hatchery equipment) and working capital/cash credit for recurring inputs (seed/fingerlings,…

How to Correct Aadhaar Details: Name, Address, DOB & Mobile Change

Legal and Regulatory aspects of banking

Keeping your Aadhaar details accurate is essential for hassle-free banking and accessing various government services. Whether you need to correct your name, update your address after relocation, change your date of birth, or link a new mobile number, UIDAI (Unique Identification Authority of India) provides convenient online and offline options for updating Aadhaar details. In…

Section 138 NI Act: Supreme Court’s Fresh Perspective on Cash Loans, Partner Liability & Compounding

Legal and Regulatory aspects of banking

The latest Supreme Court pronouncements on Section 138 NI Act in 2025 reaffirm statutory presumptions in favour of the payee, clarify procedural streamlining for faster trials, and address key substantive issues like cash loans above ₹20,000, partnership liability, territorial jurisdiction, and the effect of settlements on convictions. ​ Core holdings (2025) Key case highlights Notice…

e‑Passport in India: Step‑by‑Step Process, Documents required, Fees, and Key Features

Bank News

India’s e‑passport follows the same application flow as a regular passport through the Passport Seva system, but the booklet contains an embedded RFID chip compliant with ICAO standards for stronger security and faster immigration processing. Applicants apply online, book an appointment at a PSK/POPSK, complete biometrics and document verification in person, and receive the e‑passport…

BIHAR State 2026 Bank Holidays

Bank News

Here is the NI Act (gazetted) list of bank holidays in Bihar for 2026, as approved by the Bihar Government for observance under the Negotiable Instruments Act, 1881. Dates below reflect the state-notified list for banking operations and cheque clearing. Notes for practitioners Disclaimer: While due care and diligence have been exercised in compiling the…