Financial Stability Archives - Universal Group Of Institutions
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26Dec 2025

RBI Liquidity Push & Hidden Bank Stress

RBI’s Liquidity Push Masks Deeper Banking Stress Syllabus: GS Paper – 3 Banking Sector & NBFCs, Statutory Bodies, Monetary Policy, Growth & Development Why in the News? The Reserve Bank of India (RBI) has announced large-scale liquidity infusion measures, including Open Market Operations (OMOs) and dollar-rupee swap auctions, despite system liquidity being in surplus. This …

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24Nov 2025

RBI Focuses on Financial Stability 2025

Strengthening RBI’s Policy Focus on Financial Stability Syllabus: GS Paper – 2  Mobilization of Resources, Capital Market GS Paper-3 Banking Sector & NBFCs, Government Policies & Interventions, IT & Computers, Cyber Security Why in the News? The Reserve Bank of India (RBI) faces a crucial policy moment as inflation appears soft, growth remains strong, and …

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23Oct 2025

RBI Core Functions for UPSC Economy Prep

Explore the Reserve Bank of India’s core functions—including price stability, financial stability, currency management, and economic development. Essential learning for UPSC Economy and Banking topics.

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06Oct 2025

RBI’s Policy Shift Signals Economic Concerns

RBI’s Proactive Shift Reflects Economic Concerns Syllabus: GS-3: Banking Sector & NBFCs, Monetary Policy, Inclusive Growth Why in the News? The Reserve Bank of India (RBI) has adopted a reform-oriented approach to tackle emerging economic slowdown risks. Through regulatory relaxations and liquidity recalibration, the RBI seeks to stimulate credit growth while managing inflation expectations, indicating …

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13Jun 2025

Moody’s Downgrade Signals Global Fiscal Credibility Crisis

Moody’s Downgrade Signals Global Fiscal Credibility Crisis Why in the News? Moody’s, a leading credit rating agency, downgraded the US credit rating on May 16, signaling deep concerns over unsustainable fiscal deficits. This Moody’s news, which has become significant credit rating agency news, reflects a shift in global confidence, despite calm market reactions. For India, …

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24Mar 2025

Rupee Stabilisation and Inflation Easing Bring Cautious Optimism

Why in the News ? The rupee has strengthened to nearly ₹86 per US dollar, reversing its decline over the past six months. Additionally, inflation has softened, and foreign exchange reserves have rebounded. However, global risks like US trade policies require continued economic vigilance from the government and RBI. Signs of Economic Stabilisation: The rupee …

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03Jul 2024

IS THE BAD LOAN PROBLEM SHIFTING TO INDIVIDUALS FROM INDUSTRIES?

Syllabus: GS 2: Banking sector in India. Effects of Liberalization on the Economy, Changes in Industrial Policy and their Effects on Industrial Growth. Focus: The resurgence of discussions around Non-Performing Assets (NPAs) and bad banks stems from ongoing efforts to stabilize India’s banking sector. With a focus on resolving NPAs and easing bank balance sheets, …

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19May 2024

RBI DEPUTY GOVERNORS RAISE SUPERVISORY CONCERNS AT ASSET RECONSTRUCTION FIRMS

Why in the news? RBI raises concerns over alleged unethical practices in asset reconstruction companies (ARCs). ARCs urged to prioritise governance and ethical conduct. Conference organised in Mumbai to address these issues. source:scribd About Asset Reconstruction Company (ARC): Specialised financial institution acquiring and managing distressed assets like NPAs. Banks offload troubled loans to ARCs at …

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13May 2024

INFLATION

Concept of Inflation Inflation is the general rise in prices of everyday goods and services, such as food, clothing, housing, and transportation, leading to a decrease in the purchasing power of a nation’s currency. It is commonly expressed as a percentage indicating how much the general level of prices has risen over a given period. …

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09May 2024

RBI AND MONETARY POLICY IN INDIA

Meaning of Central Bank A central bank is the primary financial institution of a country responsible for managing the nation’s monetary policy and regulating its banking system. Unlike commercial banks, a central bank has the exclusive authority to expand the nation’s monetary base. Central banks worldwide are tasked with ensuring the stability of the financial …

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UPSC Prelims 2026 Live Paper Discussion & Detailed Answer Key Analysis


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