Bank Exams Exam > Bank Exams Notes > IBPS PO Prelims & Mains Preparation > Banking Monthly Current Affairs: November 2025
Banking Monthly Current Affairs: November 2025
Banking & Finance
This document summarises banking and finance current affairs for November 2025. It collates sectoral developments that are important for competitive examinations and for students preparing for banking, finance and general-awareness sections. The content is organised under clear headings with exam-friendly tables and short explanatory notes.
Overview - Key Policy Measures
- Credit Guarantee Scheme for Exporters (CGSE): Union Cabinet approved a 100% credit guarantee through NCGTC for additional lending up to ₹20,000 crore to support exporters (both MSME and non-MSME).
- Digital Rupee (e₹) - UPI interoperability: RBI enabled interoperability between the Digital Rupee and UPI, allowing seamless transfers between e₹ and UPI accounts and QR-based payments.
- Export Promotion Mission (EPM): Cabinet-approved mission with an outlay of ₹25,060 crore to consolidate export support (components: NIRYAT PROTSAHAN and NIRYAT DISHA).
- Banking-sector consolidation & liquidity: Several measures and schemes announced to ease liquidity for exporters and to expand collateral-free credit access via guarantee schemes.
Banking News
| S. No. | Bank / Organisation | Event / Announcement | Explanation |
|---|---|---|---|
| 1 | Axis Bank | 10th EVOLVE MSME Series | Held in Kozhikode on the theme "MSMEs Powering the USD 10 Trillion Economy"; 100+ entrepreneurs participated to discuss credit, growth and fintech solutions for MSMEs. |
| 2 | State Bank of India (SBI) | mCASH feature discontinued | The mCASH feature was removed from OnlineSBI and YONO Lite effective 1 December 2025 as part of product rationalisation. |
| 3 | SBI | Gold trading on IIBX | SBI executed its first gold trade as a Special Category Client on the India International Bullion Exchange (IIBX), expanding participation in bullion markets. |
| 4 | SBI | STAR Awards 2025 | Employee recognition programme covering arts, culture, community service and CSR initiatives within the bank. |
| 5 | SBI | Record performance | SBI crossed a USD 100 billion market capitalisation and achieved a ₹100 trillion business milestone. |
| 6 | Public Sector Banks (PSBs) | Profit growth (Q2 FY26) | PSBs reported aggregate profit of ₹49,456 crore in Q2 FY26 (+9% YoY); SBI contributed ₹20,160 crore. |
| 7 | NaBFID → IDB | Renaming | National Bank for Financing Infrastructure and Development has been renamed Infrastructure Development Bank (IDB) to align with global nomenclature. |
| 8 | South Indian Bank | Launched SIB HER Account | Premium savings account targeted at women and NRIs with lifestyle and financial benefits to increase women's financial inclusion. |
| 9 | RBL Bank | New credit cards | Introduced premium cards LUMIÈRE and NOVA targeting high-net-worth clients. |
| 10 | Bank of Baroda & SIDBI | MSME MoU | Signed MoU to scale credit access for MSMEs and startups, including support for market linkages and credit facilitation. |
| 11 | India Post Payments Bank (IPPB) - EPFO | MoU | Enables doorstep submission of Digital Life Certificates for EPS-95 pensioners, reducing physical visits for elderly pensioners. |
| 12 | Urban Cooperative Banks (UCBs) | Digital platforms launched | Three digital platforms launched (inaugurated by Union minister) to modernise UCB operations and compliance (NABARD & RBI supported initiatives). |
| 13 | AU Small Finance Bank | M-Circle | Exclusive banking programme for women customers offering advisory, health and financial benefits. |
| 14 | Rani Channamma Bank | Award | Won the Best Profit-Making Bank Award in Belagavi for efforts in women-led financial inclusion. |
Fintech & Payment Systems
| S. No. | Company / Entity | Announcement | Purpose / Explanation |
|---|---|---|---|
| 1 | PayU | RBI Payment Aggregator (PA) approval | Received integrated Payment Aggregator authorisation to handle online, offline and cross-border payments. |
| 2 | PayGlocal | RBI PA authorisation | Authorised to process cross-border inward and outward transactions under RBI rules. |
| 3 | Infibeam Avenues | RBI PA approval | Received PA-P authorisation to expand digital payment services and gateway offerings. |
| 4 | Easebuzz | RBI Payment Aggregator approval | Approved as a full Payment Aggregator under the Payments and Settlement Systems rules. |
| 5 | Paytm Payment Services | RBI Certificate of Authorisation (COA) | Allowed to operate officially as a Payment Aggregator following regulatory clearances. |
| 6 | BHIM UPI | Full delegation feature | New delegation capability allows trusted individuals to make payments on behalf of users subject to monthly limits and authorisation. |
| 7 | UPI-TIPS | Cross-border integration | Real-time, low-cost payment connectivity established (supporting India-EU and other corridors) to reduce remittance costs. |
| 8 | UPI-Fawri+ | India-Bahrain linkage | Enables real-time cross-border UPI payments with Bahrain; NPCI International signed partnership agreements to enable UPI and RuPay acceptance overseas. |
| 9 | Digital Rupee (e₹) | UPI interoperability | RBI enabled transfers between the Digital Rupee and UPI for seamless retail payments and QR interoperability. |
| 10 | UIDAI | New Aadhaar App | Updated app features include masked Aadhaar, biometric lock, AI face authentication and multi-profile support - relevant for digital KYC and customer onboarding. |
RBI - Key Actions & Regulatory Updates
| S. No. | RBI Measure / Decision | Explanation |
|---|---|---|
| 1 | AI-powered fraud detection system | RBI promoted use of AI tools to detect high-volume suspicious transactions and reduce fraud incidence; expected to improve detection rates and reduce losses. |
| 2 | Moratorium / tenor extension for exporters | Export credit tenors and realisation timelines were extended in view of global economic slowdowns to ease pressure on exporters and related banks. |
| 3 | Penalties on cooperative banks | RBI imposed fines on certain Urban Co-operative Banks for KYC and risk-management violations to strengthen compliance disciplines. |
| 4 | Gold repatriation | RBI repatriated 64 tonnes of gold to domestic vaults; India's total domestic gold holdings reported around 575.8 tonnes. |
| 5 | Forex reserves | Reported figures showed reserves fluctuating in November 2025 (reported values around USD 689.73-692.57 billion), reflecting valuation changes and global corrections. |
| 6 | Credit vs deposit growth | Bank credit growth slowed to about 11.3% while deposits grew around 9.7%, raising attention on credit off-take and future consolidation possibilities. |
| 7 | Investment permissions / FPIs | RBI allowed certain FPIs (e.g., 1729 Capital) to raise stake ceilings in some small banks (example: stake increase in Suryoday SFB from 3.81% to 7.14%). |
Economy - Banking & Financial Implications
| Area | Indicator / Projection | Details / Relevance to Banking |
|---|---|---|
| GDP Forecasts (Q2 FY26 & FY26) | Multiple agencies | Estimates ranged: India Ratings (Q2 FY26 ~7.2%), SBI Ecowrap (7.5-8.0%), ICRA (7.0%), S&P (FY26: 6.5%), Moody's (~7%). Banking sector monitors GDP for credit demand and asset-quality trends. |
| Government projection | 7% growth in 2025 | Moderation to 6.4% expected in 2026; macro growth affects credit demand and fiscal space for bankable projects. |
| Inflation | WPI & CPI | WPI fell to -1.21% (27-month low); CPI near 0.25%. Low inflation influences real rates, deposit pricing and credit demand. |
| Trade | Gold imports & exports | Gold imports surged (USD ~14.72 billion) due to festive demand; trade patterns affect external borrowings and forex management by RBI and banks. |
| Foreign exchange | Reserves | Reserves reported around USD 689.73-692.57 billion in November 2025; reserve movements influence currency stability and import finance. |
| Labour | Unemployment | Unemployment at ~5.2% (Oct 2025); labour market strength supports retail credit growth and consumption-linked banking segments. |
| Taxation | Direct tax collections | Net direct tax collections rose to ₹12.92 lakh crore (+7% YoY), strengthening government receipts and PSU bank balance sheets via reduced sovereign stress. |
Corporate & Business Items Relevant to Banking
| S. No. | Company | Announcement / Achievement | Banking relevance |
|---|---|---|---|
| 1 | HDFC Bank | Most valuable Indian brand (Kantar BrandZ 2025) | Brand value and market cap influence investor confidence and wholesale funding access. |
| 2 | Zomato | Fastest rising brand | Improved profitability may expand corporate borrowing needs and bond market activity. |
| 3 | Elevation Capital | Sold Paytm stake (1.86%) for ₹1,556 crore | Venture-capital exits affect fintech funding cycles and bank credit to startups. |
| 4 | Tesla | First India centre opening in Gurugram | Foreign investments and manufacturing set ups create corporate finance and project-finance opportunities for banks. |
| 5 | Tata Power Solar | Announced 4 GW wafer & ingot plant | Large capex projects involve term loans and long-tenor financing from banks and NBFCs. |
Regulatory & Industry Body Updates
| Body | Update | Explanation |
|---|---|---|
| SEBI | Related-party transaction (RPT) rule change | Replaced a fixed ₹1,000 crore threshold with turnover-based limits; impacts corporate governance disclosures and bank lending due diligence. |
| CIBIL | New credit rules | Introduced alternative data scoring and a 15-day score refresh window to improve credit assessment for thin-file borrowers. |
| CBSE / Education regulators | Conferences and NEP recognition | Indirect relevance: financial literacy and skilling initiatives increase demand for retail financial products and student loans. |
International Financial Developments
- IMF warning on rising global debt-to-GDP ratios has implications for global financial stability and cross-border bank exposures.
- World Bank approvals for climate-resilient agriculture and education projects (USD 776 million) create opportunities for project finance and credit lines.
- UPI cross-border links (e.g., India-Bahrain, India-EU corridors) and NPCI's international partnerships expand payments reach and remittance corridors, reducing remittance costs.
MoUs & Agreements - Banking / Finance Relevance
| Agreement | Parties | Field / Banking relevance |
|---|---|---|
| Credit Guarantee Scheme for Exporters (CGSE) | Union Cabinet & NCGTC | 100% credit guarantee for additional lending of up to ₹20,000 crore to exporters; enables collateral-free credit and enhances export finance availability. |
| India-Nepal Jogbani-Biratnagar Rail LoE | Government of India & Nepal | Improves cross-border trade and may increase banking flows and trade finance needs along the corridor. |
| NPCI International - Bahrain (MoU) | NPCI International & Benefit (Bahrain) | To enable UPI & RuPay acceptance in Bahrain, expanding payment rails and merchant acceptance overseas. |
Appointments & Personnel Changes
| Person | Position | Entity / Notes |
|---|---|---|
| Sanjay Garg | Director General (DG) | Bureau of Indian Standards (appointed w.e.f. 1 Nov 2025); role affects standardisation in financial device testing and procurements. |
| S. Krishnan | Part-time Chairman | J&K Bank (tenure: 13 Nov 2025 - March 2028); key role in bank governance and turnaround strategies. |
| Dilip Asbe | MD & CEO | NPCI - continued leadership overseeing UPI internationalisation and RuPay acceptance expansion. |
Exam-Oriented Takeaways
- CGSE: ₹20,000 crore additional collateral-free credit with 100% guarantee via NCGTC for exporters.
- Export Promotion Mission (EPM): Outlay ₹25,060 crore - components NIRYAT PROTSAHAN and NIRYAT DISHA.
- Digital Rupee (e₹) now interoperable with UPI - enables QR-based and account transfers between e₹ wallets and UPI.
- RBI repatriated 64 tonnes of gold to domestic vaults (India domestic holdings ~575.8 tonnes reported).
- Bank credit growth ~11.3%, deposit growth ~9.7% (indicates moderation in credit off-take relative to deposits).
- PSBs profit in Q2 FY26: aggregate ₹49,456 crore (+9% YoY); SBI's contribution ~₹20,160 crore.
- Fintech / payments: multiple Payment Aggregator approvals (PayU, PayGlocal, Infibeam Avenues, Easebuzz, Paytm Payment Services) - regulatory clarity strengthening the ecosystem.
- NPCI internationalisation: UPI links with Bahrain and other corridors; Digital Rupee-UPI interoperability strengthens domestic digital payments infrastructure.
Short Definitions & Concepts
- Payment Aggregator (PA): An entity that facilitates e-commerce payments by collecting payments from customers and remitting them to merchants after settlement, requiring RBI authorisation under the PSS rules.
- Credit Guarantee: A guarantee provided (by a government entity or agency) to lenders that protects lenders against borrower default, enabling collateral-free lending to priority sectors.
- Digital Rupee (e₹): Central Bank Digital Currency (CBDC) issued by the Reserve Bank of India. Interoperability with UPI allows retail use alongside bank accounts.
- Export Promotion Mission (EPM): A government scheme aimed at supporting exporters with finance, branding, logistics and compliance to enhance export competitiveness.
How These Developments Affect Banking Sector
- Guarantee schemes (like CGSE) reduce credit risk for banks and encourage lending to exporters without collateral; improves working-capital availability.
- Payment system expansions (UPI cross-border links, e₹ interoperability) increase transaction volumes, reduce remittance costs, and open new merchant-acquiring opportunities for banks.
- AI-based fraud detection and stricter KYC enforcement by RBI improve risk management but require banks to invest in technology and compliance systems.
- Macro indicators (GDP growth, inflation, credit vs deposits) guide monetary policy expectations and banks' asset-liability management strategies.
Figures & Dates to Remember
- CGSE approval (Cabinet): additional lending up to ₹20,000 crore (November 2025).
- Export Promotion Mission (EPM) outlay: ₹25,060 crore (Cabinet approval, November 2025).
- RBI gold repatriation: 64 tonnes repatriated to domestic vaults (reported in November 2025).
- PSBs Q2 FY26 profit: Aggregate ₹49,456 crore (+9% YoY); SBI contributed ~₹20,160 crore.
- Digital Rupee (e₹) - UPI interoperability: policy change announced by RBI in November 2025.
- UPI cross-border links: India-Bahrain (UPI-Fawri+), India-EU corridors under UPI-TIPS initiatives (November 2025 updates).
The document Banking Monthly Current Affairs: November 2025 is a part of the Bank Exams Course IBPS PO Prelims & Mains Preparation.
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FAQs on Banking Monthly Current Affairs: November 2025
| 1. What are the key developments in banking and finance for the recent month? |  |
Ans. Key developments in banking and finance often include updates on monetary policy decisions, changes in interest rates, significant mergers and acquisitions, regulatory reforms, and innovations in financial technology. Recent changes may also spotlight major market trends, investment strategies, and shifts in consumer behaviour within the financial sector.
| 2. How do recent changes in monetary policy impact the banking sector? | |
Ans. Recent changes in monetary policy can directly influence the banking sector by affecting interest rates, lending practices, and overall liquidity in the market. For example, a decrease in interest rates typically encourages borrowing and spending, subsequently boosting bank profits, while an increase in rates may lead to tighter lending conditions and a potential slowdown in economic activity.
| 3. What innovations in financial technology have emerged recently? | |
Ans. Recent innovations in financial technology often include advancements in digital banking, the rise of mobile payment systems, blockchain applications for secure transactions, and the use of artificial intelligence for personalised banking services. These innovations aim to enhance customer experience, streamline processes, and improve security in financial transactions.
| 4. Why is consumer behaviour important for banks and financial institutions? | |
Ans. Consumer behaviour is crucial for banks and financial institutions as it influences the demand for various financial products and services. Understanding trends in consumer preferences helps these institutions tailor their offerings, improve customer satisfaction, and develop effective marketing strategies. Additionally, insights into consumer behaviour can inform risk assessment and credit evaluation processes.
| 5. What role do regulatory reforms play in the banking industry? | |
Ans. Regulatory reforms play a significant role in ensuring the stability and integrity of the banking industry. They establish guidelines for risk management, capital requirements, and consumer protection. Recent regulatory changes may aim to enhance transparency, prevent financial crises, and promote fair practices within the industry, ultimately fostering trust in the financial system.
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Apr 21, 2026 Last updated
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