innovationinbanking

  How RBI and DICGC Are Repricing Deposit Insurance Risk   RBI has approved a risk -based premium framework for deposit insurance from April 1, 2026, linking premiums to bank risk and long-term stability.   When RBI Lets Deposit Insurance Price Behaviour India’s Risk -Based Premium Framework Explained Deposit insurance is designed to be boring. It works best when no one notices it — when confidence is steady and the system hums quietly in the background. Yet, every once in a while, a regulatory change reshapes incentives so subtly that it deserves attention — not for what it announces, but for what it changes over time. On February 6, 2026, the Reserve Bank of India, through the Deposit Insurance and Credit Guarantee Corporation (DICGC), notified the implementation of a Risk-Based Premium (RBP) Framework for deposit insurance. From April 1, 2026, deposit insurance premiums will no longer be flat. They will begin to reflect how banks manage risk — and how long they...

  The Joy of Safe ePayments — Reading India’s Budget 2026 Beyond the Numbers A citizen’s reading of India’s Union Budget 2026 through the lens of trust, safety, and digital payments — exploring 7 quiet policy signals that strengthen the Joy of Safe ePayments across the country. Budget speeches are usually decoded in numbers. Tax rates. Deficits. Allocations. Outlays. But this year, while listening to Nirmala Sitharaman present the Union Budget , I found myself paying attention to something else entirely. Not just where money goes . But where trust grows . Because every day, millions of us do something extraordinary without even thinking: We scan a QR code . We send money instantly. We pay without touching cash. And we simply… trust it. That quiet confidence — that a digital payment will go through safely — is not created by apps alone. It’s built by policy. By institutions. By the invisible rails strengthened in documents like the Union Budget . So instead of asking,...

  One idea recurs with intention: safe systems endure when safe habits endure. The C.A.S.H.E.W. Model is a simple, human checklist for mindful digital payments. C — Check the source Before scanning or approving, confirm who you are paying. A — Avoid haste and impulse Speed is powerful, but pause is protective. S — Secure your device Updates, locks, and alerts are quiet guardians. H — Help others transact safely Especially first-time users and senior citizens . E — Educate through example Good habits spread faster than warnings. W — Watch for red flags Unusual requests , urgency , or unfamiliar flows . These are not rules imposed from above. They are behaviours practiced from within. About this page: This note documents a behavioural framework developed through long-term observation of everyday digital payment use. 01  LinkedIn Profile