2025-07-15Niranjan Ghatule
India's UPI has overtaken 67-year-old US-based VISA to become the world's largest real-time digital payment system. Launched in 2016, UPI now handles over 650 million daily transactions and is active in seven countries. Recognized by the IMF and World Bank, UPI represents India's fintech leadership and global digital ambitions.
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2025-06-17Niranjan Ghatule
The National Payments Corporation of India (NPCI) has implemented new UPI rule changes from June 16, reducing transaction time by 50 percent. Payments will now complete within 15 seconds, with faster reversals and status checks. Upcoming changes in 2025 will introduce beneficiary bank name display, balance check limits, and restricted auto-pay timings, aiming to improve user experience and reduce
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2025-05-28Niranjan Ghatule
This article explores the Reserve Bank of India's (RBI) new provisioning guidelines for Digital Loan Guarantees (DLGs) and their potential impact on fintech companies like Paytm. It explains how the exclusion of DLGs from provisioning calculations could increase capital requirements, reduce ROE, and affect loan disbursement volumes, particularly for digital lenders.
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