RBI’s Trade Relief Measures, 2025: Moratorium Window, Working Capital Easing, and Extended Export Credit Tenors

Foreign Exchange

*( Ref: RBI Circular No. RBI/2025-26/96/DOR.STR.REC.60/21.04.048/2025-26 dated November 14, 2025) The Reserve Bank of India has issued the RBI (Trade Relief Measures) Directions, 2025 to ease debt-servicing pressures for export-oriented borrowers affected by global trade disruptions. The framework, which applies with immediate effect, enables regulated entities to offer (i) a time-bound moratorium or deferment on…

RBI’s New Trade Relief Measures 2025: What Exporters, Importers, and Banks Need to Know

Foreign Exchange

The Reserve Bank of India has issued the Reserve Bank of India (Trade Relief Measures) Directions, 2025, through a notification dated November 14, 2025. These measures are designed to ease day-to-day challenges in cross-border trade and simplify foreign exchange (FX) processes for exporters, importers, merchanting traders, and Authorized Dealer (AD) banks. They also build on…

Himachal Pradesh Bank Holidays 2026

Bank News

Bank Holidays list of Himachal Pradesh for the year 2026. Source: Government of Himachal Pradesh, General Administration Department, Notification No. GAD-A(F)10-8/2025 dated 23.10.2025. Date Day Occasion 26 January 2026 Monday Republic Day 01 February 2026 Sunday Guru Ravidas’s Birthday 15 February 2026 Sunday Maha Shivaratri 03 March 2026 Tuesday Holi 21 March 2026 Saturday Eid…

Karnataka State:  Bank Holidays 2026

Bank News

The Karnataka Cabinet approved Thursday (13 November 2025) the list of public holidays for the 2026 calendar year. The following are the public (bank) holidays for Karnataka in 2026, declared under the explanation of Section 25 of the Negotiable Instruments Act, 1881.  Karnataka Bank Holidays 2026 Date  Day Holiday January 14 Wednesday Makara Sankranti January 26…

Odisha Bank Holidays 2026

Bank News

The ODISHA State Government notified the list of official Holidays for the year 2026. (The list of bank holidays as per Order No. RDM Reg. OLA 0032 2025 40367 dated 27.10.2025) Date Day Holiday 14 Jan 2026 Wednesday Makara Sankranti 23 Jan 2026 Friday Vasant Panchami 26 Jan 2026 Monday Republic Day 15 Feb 2026…

RBI Circular on Lending Against Silver Jewellery: Key Provisions and Compliance Framework

Retail loans

The Reserve Bank of India has issued standardized directions permitting loans against silver jewellery and specified silver coins, aligning silver with gold for collateralized retail lending; these directions are titled the Reserve Bank of India (Lending Against Gold and Silver Collateral) Directions, 2025 and are slated to take effect from April 1, 2026, with detailed…

Tamil Nadu State: 2026 Bank Holidays  

Bank News

The Government of Tamil Nadu has officially released the Public Holiday List for 2026, vide G.O.(Ms)No.708 dated 11.11.2025, declaring 24 holidays for all government offices, public sector undertakings, corporations, and boards functioning under its control. No. Holiday Date Day 1 New Year’s Day January 1, 2026 Thursday 2 Pongal January 15, 2026 Thursday 3 Thiruvalluvar Day January 16, 2026…

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…