Indian banking business just got more complex



Rating agency Moody’s Investor Services has already warned that the move would be credit negative for banks, causing volatility in net interest margins. One of the key changes that banks may have to make is how they price their deposits, says Joydeep Ghosh.



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RLLR- or MCLR-based — which home loan is better?



Should borrowers opt for an RLLR-based home loan over an MCLR-linked one? There is difference of opinion among experts regarding whether the two loan rates will be different, points out Sanjay Kumar Singh.



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