India’s banking sector is buzzing with optimism. Over the past year, it has emerged as one of the biggest beneficiaries of renewed foreign investor confidence, driven by robust macroeconomic growth, improving asset quality, and policy stability.
Foreign portfolio inflows into Indian banks and NBFCs crossed $12 billion in FY 2025, the highest in a decade.
India’s GDP is growing at over 7%, making it the fastest-growing major economy. Global funds see Indian banks as the gateway to consumption-led growth—credit expansion fuels everything from housing to MSME development.
Gross NPAs (non-performing assets) have fallen to 3.1%, the lowest in 12 years. PSU and private banks have cleaned up balance sheets and built robust capital buffers.
The Reserve Bank of India (RBI) has maintained policy stability and encouraged digital inclusion through initiatives like UPI 2.0, Aadhaar-linked lending, and Account Aggregator frameworks.
Foreign investors, including sovereign funds from Singapore, UAE, and Japan, have made significant bets on Indian banks and NBFCs. Strategic stakes in leading private lenders are a vote of confidence in India’s long-term growth story.
India’s rapid fintech adoption—credit scoring, AI-driven lending, and digital KYC—has increased operational efficiency. This tech-backed transformation appeals strongly to global funds.
Credit growth hit 14.8% YoY in 2025, led by infrastructure, manufacturing, and renewable energy. Banks with corporate lending expertise—HDFC Bank, ICICI Bank, and SBI—are major beneficiaries.
Banking stocks now contribute nearly 35% of the Nifty 50’s total market capitalization. The sector’s re-rating is supported by double-digit ROE and stable NIMs.
NBFCs like Bajaj Finance and Tata Capital are drawing investor attention as consumption credit revives. Many have secured foreign partnerships to access low-cost global funding.
Several small finance and fintech banks are preparing for IPOs in 2026, offering investors fresh opportunities.
The RBI’s proactive supervision has created one of the most stable financial systems in emerging markets. Capital adequacy norms, digital compliance, and risk-based lending practices have enhanced credibility among foreign investors.
Moreover, initiatives like GIFT IFSC and India Stack are positioning India as a global financial hub.
Q1. Why are foreign investors increasing exposure to Indian banks?
A1. Strong growth, improved asset quality, and digital leadership make Indian banks highly attractive compared to global peers.
Q2. Which banking stocks are benefiting most?
A2. HDFC Bank, ICICI Bank, Axis Bank, SBI, and Kotak Mahindra Bank have seen robust FPI inflows.
Q3. Are PSU banks part of this rally?
A3. Yes. PSU banks like Bank of Baroda and Canara Bank have shown improved profitability and rising foreign interest.
Q4. What risks remain?
A4. Global rate volatility and liquidity tightening can affect flows, but India’s fundamentals remain resilient.
India’s banking sector boom is more than a cyclical rally—it’s a structural transformation driven by foreign trust, technology, and transparency.
For investors, this is a golden era to participate in India’s financial growth story—through equity, mutual funds, or sectoral ETFs.
👉 Open your account with Swastika Investmart and leverage expert research to tap into India’s banking revolution.
Chana is a very important pulse crop and is mostly used in our daily life. It is also called as Bengal gram or chickpea and belongs to the Leguminosae family. They are highly rich in protein and carbohydrates and are placed third in among the main cultivation of food legumes around the world.
Also known as one of the most leading commodities in pulses, Chana are of mainly two types: Desi and Kabuli. It is generally cultivated into the areas having the relatively cooler climatic conditions with a low level of rainfall. As this crop is highly sensitive so the excess of water supply may hamper its yield, therefore, grown on sandy, loam soils having an appropriate drainage system.
Chana is one of the most important pulses crop domestically and internationally where India produces around 80-90 Lakh tonnes of Chana annually. The major producers in India are Madhya Pradesh, Rajasthan, Maharashtra, Karnataka, Uttar Pradesh and roughly contributing to around 87% of the total production. India is the major importer of Chana whereas Australia, Tanzania and Canada are the major exporters of it.
The world's total production of chickpeas hovers around 8.5 million metric tons annually and is grown over 10 million hectares of land approximately. The Desi type chickpea contributes to around 80% and the Kabuli type around 20% of the total production. The maturity period of desi type chickpea is 95-105 days and Kabuli type chickpea is 100-110 days. In India, it is harvested in February, March, and April. Countries in the Asian continent are the major importer of Desi-type chickpea and the remaining countries import Kabuli type chickpea.
डॉलर इंडेक्स मे लगातार निचले स्तरों से मजबूती होने के कारण सोने के साथ चाँदी के भाव भी टूट गए है। पिछले सप्ताह चाँदी के भाव सोशल मीडिया के कारण कॉमेक्स मे आठ साल की उचाई, 30 डॉलर प्रति औंस पर पहुंच गए थे जो अब घट कर 26 डॉलर प्रति औंस तक आ चुके है।
सोने और चाँदी के भाव मे बिकवाली के बीच अमेरिका से जारी होने वाले प्राइवेट जॉब्स और पैरोल के मासिक आकड़ों मे पिछले महीने की तुलना मे मजबूती दर्ज की गई और साप्ताहिक बेरोज़गारी दावे के आकड़ों मे कमी दर्ज की गई है जिससे कीमती धातुओं के भाव मे बिकवाली का दबाव बना है। डॉलर इंडेक्स सप्ताह मे 1 प्रतिशत मजबूत हो कर 2 महीनों के उच्चतम स्तरों पर है और 10 वर्षो की बांड यील्ड तीन सप्ताह के उच्चतम स्तरों पर है।
जिससे सोने और चाँदी के भाव मे बिकवाली का दबाव है। सीनेट में डेमोक्रेट सांसद राष्ट्रपति जो बिडेन के प्रस्तावित 1.9 ट्रिलियन डॉलर के प्रोत्साहन पैकेज को पारित करने के लिए बड़े पैमाने पर वोट सत्र की तैयारी कर रहे हैं। बैंक ऑफ़ इंग्लैंड और भारतीय रिज़र्व बैंक ने अपनी मौद्रिक नीति मे ब्याज दरों मे कोई बदलाव नही किया है और कुछ माह मे मुद्रास्फीति बढ़ने की संभावना जताई है। जिससे सप्ताह के अंत तक कीमती धातुओं के भाव को निचले स्तरों पर सपोर्ट मिला है।
पिछले सप्ताह कॉमेक्स वायदा सोना 2 प्रतिशत टुटा और चाँदी मे 0.50 प्रतिशत की गिरावट देखि गई है। घरेलु अप्रैल वायदा सोना कस्टम ड्यूटी घटने के कारण पिछले सप्ताह मे 4.5 प्रतिशत टुटा है जबकि मार्च वायदा चाँदी मे 2.5 प्रतिशत की साप्ताहिक गिरावट देखि गई है।
इस सप्ताह अप्रैल वायदा सोने के भाव मे ऊपरी स्तरों पर बिकवाली का दबाव रहने की संभावना है और इसमे 46200 रुपय के निचले स्तरों पर समर्थन तथा 48700 रुपय के ऊपरी स्तरों पर प्रतिरोध है। चाँदी मार्च वायदा के भाव मे भी ऊपरी स्तरों पर बिकवाली की सम्भावना है और इसमें 66000 रुपय पर समर्थन और 69000 रुपय पर प्रतिरोध है।
प्रमुख अर्थव्यवस्थाओं से जारी होने वाले आंकड़े जिनमे, बुधवार को अमेरिकी सीपीआई, फेड प्रमुख जेरोम पॉवेल का भाषण, गुरुवार को बेरोज़गारी के दावों, से बाजार को आगामी दिशा के संकेत मिलेंगे और शुक्रवार से शुरू होने वाले चीनी न्यू ईयर का असर भी कीमती धातुओं के भाव मे दबाव बना सकता है।
Investing in the stock market has long been a popular way for individuals to grow their wealth. While it comes with its risks, the potential rewards can be significant, making it an attractive option for both new and seasoned investors. In this blog, we'll explore the advantages of investing in stock trading in simple language, helping you understand why so many people choose this path to achieve their financial goals.
One of the biggest advantages of investing in the stock market is the potential for high returns. Over time, stocks have historically outperformed other types of investments, such as bonds or savings accounts. While not every stock will be a winner, with careful research and smart investing strategies, you can achieve significant growth in your investment portfolio.
When you buy a stock, you're purchasing a small piece of a company. This means that as a shareholder, you have partial ownership in the company and can benefit from its success. If the company performs well, the value of your shares can increase, and you may also receive dividends, which are a portion of the company's profits paid out to shareholders.
Stocks are considered liquid assets, which means they can be easily bought and sold in the stock market. This provides investors with the flexibility to enter and exit investments relatively quickly. If you need access to your money, you can sell your stocks and typically receive the funds within a few days.
The stock market offers a wide range of investment opportunities across different sectors and industries. This allows you to diversify your investment portfolio, which can help reduce risk. By spreading your investments across various companies and industries, you're less likely to be severely impacted by the poor performance of a single stock.
Many companies pay dividends to their shareholders, providing a source of regular income. While not all stocks pay dividends, those that do can offer a steady stream of income, which can be particularly appealing for retirees or investors looking for a passive income stream. Dividends can also be reinvested to purchase more shares, potentially increasing your overall returns over time.
Inflation erodes the purchasing power of money over time, but investing in stocks can help protect against inflation. As companies raise prices to keep up with inflation, their earnings—and by extension, their stock prices—can increase. This means that the value of your investments may grow alongside or even outpace inflation, helping to preserve your wealth.
When you invest in stocks, you're essentially betting on the growth of the economy. As the economy expands, companies typically experience higher profits, which can lead to increased stock prices. By investing in the stock market, you can benefit from the overall growth of the economy.
Investing in the stock market requires you to stay informed about financial markets, economic trends, and company performance. This can lead to a greater understanding of how businesses operate and how global events impact economies. The knowledge and experience gained from stock trading can be valuable not just for your investments but also for making informed financial decisions in other areas of your life.
Unlike some other investments, stock trading gives you direct control over your investment decisions. You can choose which companies to invest in, how much to invest, and when to buy or sell. This level of control allows you to tailor your investment strategy to your specific goals, risk tolerance, and time horizon.
Investing in stock trading offers numerous advantages, from the potential for high returns to the ability to diversify your portfolio and generate passive income through dividends. While it does come with risks, the flexibility, liquidity, and opportunities for learning and growth make it a compelling option for those looking to build wealth over time. Whether you're a seasoned investor or just starting, understanding these advantages can help you make informed decisions and take full advantage of the stock market's potential.
According to RBI, Indian banks’ bad loans could rise sharply by September, the highest in more than 22 years, creating a risk to the broader economy. The gross bad loans on bank balance sheets could rise to 14.8% as compared with the previous year which was 7.5% in September 2019.
In the worst-case scenario, the gross bad loans could rise to 14.8% - by the end of the second quarter of FY 2021-2022.
As per the assessment done by RBI, gross NPA has been consistently decreasing over the last two years, with the number at 7.5% in July-September 2020.
Under the worst stress scenario, RBI has marked a 7.6% contraction in the six months to March 31. As per the stress test conducted for the banks, the regulators observe three scenarios for the gross domestic product growth where 0% growth is counted as a baseline scenario, -2.1% as medium stress, and -7.6% as large stress.
The stress test was introduced by RBI in order to assure the bank's asset quality. Such tests tell the economic impairment latent in bank portfolios, with an aim for capital planning.
Among the large sectors, whether it is an industry, agriculture, asset quality has been improved noticeably, in September 2020 over March 2020, with a decline in gross NPA and stressed advance ratios.
Amongst the top 100 borrowers, the asset quality trends have been positive for the banking system. However, because of the moratorium on repayments that ended on 31 August, the standstill on asset classification and restructuring of loan accounts, the data on fresh loan impairments reported by banks may not reflect the true state of assets.
Shaktikanta Das, the governor of India, reiterated that the banks can face balance sheet impairment and capital shortfall once regulatory reliefs are rolled back. Further, he also said that liquidity and financing conditions have helped banks to improve their performance to a greater extent.
Earlier, RBI’s stress testing models have been criticized by numerous experts. Soumya Kanti Ghosh, chief economic advisor, State Bank of India mentioned that RBI’s stress testing methods could have a significant upward bias.
RBI’s stress testing models came with several disclaimers considering the uncertainty regarding the unfolded economic outlook and the extent debt recast benefits, the ratios are very sensitive to change.
RBI had allowed banks to reallocate loans for borrowers whose cash flow has been badly affected by Covid and allowed such loans to be relaxed despite their repayment norms being relaxed.
The capital adequacy ratio is expected to drop from 15.6% in September 2020, to 14% in September 2021 under the baseline scenario and to 12.5% under the several scenarios, the RBI said.
The stress test results indicate four banks may fail to catch up the minimum capital level by September 2021, under the baseline scenario, without factoring in any capital infusion by stakeholders.
It is expected that the common equity tier I of scheduled banks may be reduced from 12.4% to 10.8 % under the baseline scenario.
To sum up .. the banking system’s capital base may be able to withstand the stress coming from the COVID 19 pandemic, some individual banks are required to support through phase-wise capital infusion, the RBI said.
चार सप्ताह से सीमित दायरे मे चल रहे अप्रैल वायदा सोने के भाव, बजट 2021 मे सीमा शुल्क कटौती होने से 49700 रुपय प्रति दस ग्राम से ऊपरी स्तरों से फिसल कर 47200 रुपय के निचले स्तरों तक पहुंच गए। सोने और चांदी मे सीमा शुक्ल 12.5 प्रतिशत से घटा कर 7.5 प्रतिशत कर दिया गया और 2.5 प्रतिशत एग्रीकल्चर इंफ्रास्ट्रक्चर विकास उपकर एवं 10 प्रतिशत अधिभार जोड़ा गया है।
जिससे कीमती धातुओं मे पहले 12.5 प्रतिशत लगने वाला सीमा शुल्क घट कर 10.75 प्रतिशत रह गया है। अंतर्राष्ट्रीय बाजार मे सिल्वर बार और सिक्के की हाज़िर मांग मजबूत होने और सिल्वर माइनिंग शेयर मे बढ़त के कारण कॉमेक्स वायदा चांदी मे तेज़ी देखि गई है। जिससे घरेलु मार्च वायदा चांदी मे शुल्क कटौती का हल्का प्रभाव देखा गया और सोने के भाव मे बिकवाली का दबाव रहा।
अंतराष्ट्रीय बाज़ारो मे सीमा शुल्क कटौती को सकारात्मक लिया गया है क्योकि भारत कीमती धातुओं का बड़ा आयातक है और भाव मे गिरावट से मांग मजबूत होने की सम्भावना बढ़ती है। कॉमेक्स वायदा सोने के भाव मे 15 डॉलर प्रति औंस की बढ़त दर्ज की गई और इसकी कीमते 1870 डॉलर के करीब रही है।
जबकि कॉमेक्स वायदा चांदी 9 प्रतिशत तेज़ होकर 29.5 डॉलर के स्तरों पर पहुंच गई है। घरेलु वायदा सोने मे बजट के दौरान 2 प्रतिशत की गिरावट दर्ज की गई और इसके भाव 48800 रुपय प्रति दस ग्राम के करीब रहे। घरेलु वायदा चांदी 5 प्रतिशत की तेज़ी होने के साथ इसके भाव 73500 रुपय प्रति किलो पर रहे।
सोने के भाव इस सप्ताह सीमित दायरे मे रह सकते है, इसमें 49900 रुपय पर प्रतिरोध और 47800 रुपय पर सपोर्ट है। मार्च वायदा चांदी के भाव मे इस सप्ताह तेज़ी रह सकती है और इसमें, 76000 रुपय पर प्रतिरोध तथा 71500 रुपय पर सपोर्ट है।
Stock market timings play an important role in helping investors to know about the market opening and market closing to ensure easy yet fast transactions. Also, it helps investors to take advantage of stock movements in the market and hence it becomes easier for them to make easy money.
It is important to know that the stock market opening time and stock market closing time vary for different countries in different time zones. Indian stock markets enable investors to trade only during a fixed timing of the day.
There are two major exchanges in the country namely Bombay stock exchange and National Stock Exchange in which the investors can trade through. Now, we will cover the stock market opening and stock marketing closing timings of the leading indices in India BSE and NSE.
The pre-opening timings start from 9.00 am and end at 9.15 am. The session is also known as order entry session. Here, investors can buy or sell any securities during this time.
The session is classified into three sub-sessions.
9.00 am - 9.08 am - This session is also known as order entry sessions where orders for any transactions can be placed. In other words, you can easily place the orders for transactions of any stock. Moreover, you can also modify or cancel orders during the time.
9.08 am - 9.12 am - The segment is used for price determination of security as it is used to calculate the opening price of the regular session. Also, this session is used for matching orders as it is done by corresponding demand and supply prices to ensure accurate transactions among investors who want to purchase or sell a security.
Price matching orders help investors in determining the price at which security is transacted during the Indian stock market timings.
9.12 am - 9.15 am - This session is used as a transition period between the pre-opening session and normal Indian share market timings. Also, no such transactions can be placed during this time.
This is the fundamental Indian share market timing that lasts from 9.15 am to 3.30 pm. Transactions processed during this time follow a bilateral order matching system, whereas price determination is done through demand and supply. Bilateral order machine systems are highly volatile in nature and hence there are multiple market fluctuations which can be reflected at any time in security prices.
This is one of the busiest sessions as in this trading session, mostly buying and selling of shares takes place. Hence, it is also known as primary share market timings. The continuous trading session starts from 9.15 am and ends at 3.30 pm. During this period, trades continue as orders match at time priority.
There are few things, which investors need to consider while trading during the session:
The closing price of the stock is measured as the weighted average of the stock prices between 3.00 - 3.30 pm. The closing price for BSE and NSE is calculated as the weighted average of the stock for the last 30 minutes or between 3.00 pm -3.30 pm.
Post Closing Session
The stock market timing in India is marked at 3.30 pm. It is held between 3.30 pm to 04.00 pm. During this time period, you are allowed to bid for the following day’s trade. If there are enough buyers and sellers, bids placed during this period are confirmed. It should be noted that the bids placed during 3.30 pm - 4.00 pm are not affected by the opening price of the stock market. Hence, if the closing price exceeds the opening price, then bids can be cancelled by the investors.
After Market Order (AMO)
AMO in which you can place orders to buy or sell the stock for the next trading day. This is apt for investors who are unable to monitor the market during the opening and trading session.
The overall stock market timings in India can be described as follow:
S.NoNameTime1Pre-opening 9.00 am -9.15 am2Normal Session9.15 am - 3.30 pm3Closing Session3.30 pm - 4.00 pm
Needless to say, the stock market is a great place where investors can grow their wealth. Strategic trading on the stock market can help you increase your income, also well-managed trading helps you to get constant returns which can be more than your income.
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