Account Aggregator 2.0  “In governance, trust is not built by control, but by clarity.” — CS Devyani Khambhati – Compliance Expert Account Aggregator 2.0 is not merely a technology upgrade. It represents a structural shift in how financial information moves within India’s regulated ecosystem. For years, founders, MSMEs, compliance officers, and lenders have struggled with one simple but persistent challenge — financial data exists everywhere, yet it is accessible nowhere in a structured and usable […]

RBI Capital Market Exposure Rules: A Serious Shift for Proprietary Traders “When regulation changes the flow of capital, it changes the structure of competition.” — CS Devyani Khambhati – Compliance Expert The recent amendment to the RBI Capital Market Exposure Rules may look technical on paper. But in reality, it could quietly reshape the competitive balance between domestic and foreign proprietary traders in India’s derivatives market. Whenever the Reserve Bank of India tightens lending norms, […]

RBI Switch Auction 2026 “In financial governance, timing is not just strategy — it is discipline.” — CS Devyani Khambhati RBI Switch Auction 2026: Why This ₹25,000 Crore Move Matters The RBI Switch Auction 2026 announced for March 2 is not just a routine debt management exercise. It is a calibrated step towards maintaining fiscal balance and ensuring that future repayment obligations do not create unnecessary pressure on the government’s borrowing programme. The Reserve Bank […]

RBI Monitoring IDFC First Bank Fraud: No Systemic Risk, Says Governor Sanjay Malhotra “When a regulator speaks calmly during turbulence, it is not silence — it is assurance backed by systems.” – Inspired by the governance philosophy of Mahatma Gandhi In recent developments, RBI Monitoring IDFC First Bank Fraud has become a matter of public and industry discussion. The Reserve Bank of India (RBI), under the leadership of Governor Sanjay Malhotra, has confirmed that the […]

Bancassurance Mis-selling Regulations “Regulation does not exist to slow business; it exists to protect trust. And in finance, trust is the true currency.” — CS Devyani Khambhati – Compliance Expert When a customer walks into a bank, they expect safety. They do not expect persuasion. The recent draft guidelines issued by the Reserve Bank of India have brought renewed focus on bancassurance mis-selling regulations — especially in relation to life insurance products sold by banks. […]