PSB Punch

#PSBPUNCH |Tracking RBI,PSBs updates,ATMs & Finacial Trends|Retweets and likes are not endorsement.

[PSB Punch @PSBPunch]

Many are asking about X handle what does it represent!

PSB PUNCH = Public Sector Banks: Power, Unity, Nation-building, Commitment & Honesty👇

Let’s break it down:

P – Power: Showcasing the strength and reach of PSBs across India

U – Unity: Reflecting national integration and financial inclusion

N – Nation-building: Emphasizing the vital role PSBs play in development

C – Commitment: Highlighting the dedication of employees and institutions

H – Honesty: Representing trust, transparency, and public service
#PSBPUNCH

[PSB Punch @PSBPunch]

The race for deposits is heating up👇

Mid-sized PSBs are getting aggressive in the race for merchant deposits and current account balances by building out their own QR payment infrastructure.
@RBI @UPI_NPCI @DFS_India @FinMinIndia @RBIsays

[PSB Punch @PSBPunch]

The race for deposits is heating up👇

Mid-sized PSBs are getting aggressive in the race for merchant deposits and current account balances by building out their own QR payment infrastructure.
@RBI @UPI_NPCI @DFS_India @FinMinIndia @RBIsays

[PSB Punch @PSBPunch]

#RBI Deputy Governor Swaminathan J makes it clear that the next phase of #banking requires constant adaptation to risks that are increasingly fast-moving and difficult to predict.
@RBIsays @RBI @DFS_India @FinMinIndia

[PSB Punch @PSBPunch]

Good news for bankers👇

Bank of India employees have approached the Gujarat HC to halt forced Census duty assignments. Past rulings show that since banks aren't local bodies, their staff can't be legally forced to do census work.

CC: @DC_Gurugram @dm_ghaziabad ,this is for your kind information and necessary action.

[PSB Punch @PSBPunch]

The sheer volume of #SHG loans is getting massive up to ₹3 Lakh Crore in FY25. But with rising #defaults and #funds being diverted, the banking sector is officially pushing for tighter controls like mandatory URNs and credit checks. Here is a breakdown of what's happening.
@DFS_India @FinMinIndia @RBI

[Newton Bank Kumar @idesibanda]

@bankofbaroda Suggestions:

1. Make process to take periodic feedback of newly recruited officers & CSAs & support.

2. New Joiners should not be given tough branches.

3. Mandatory training for all related to their fields.

4. Recruitment of CBOs, rationalize as per load.

5. Stop TPPs Sell

[PSB Punch @PSBPunch]

RBI staff strength drops for the first time in 5 years, declining 2.2% YOY to 13,220 in CY25.
@RBI @bsindia

[पीड़ित बैंकर @Bank_Se_Pidit]

One more banker bishal brata roy committed suicide, he joined bank 3 months before.
See the level of pressure in banking.
More than 500 bankers lost their life in last decade.
@nsitharamanoffc @DFS_India @PMOIndia @RBI @Bankers_We @AIBOAOFFICIAL @khurpenchh @CJP_for_India

[PSB Punch @PSBPunch]

This note from a young bank employee is absolutely devastating.

The crushing weight of unmanageable workloads combined with restrictive employment bonds is trapping employees in toxic cycles. We need to talk about toxic workplace culture and its toll on mental health.Human lives must be valued over corporate targets.

Hey @bankofbaroda ,kindly look into this.
@DFS_India @FinMinIndia @nsitharamanoffc @nsitharaman

[PSB Punch @PSBPunch]

The #ATM Business: Fault Lines & Shifting Trends👇

​Long-standing operational issues in India's ATM sector are coming to a head. Despite rising #digital #payments, cash remains king, but the #infrastructure is feeling the heat.

​Here are the key takeaways from the latest data 👇
​1️⃣ Monthly Average Cash Dispensed per ATM (CY25 in ₹ Cr):
🔹️​Top States: Tamil Nadu (1.62), West Bengal (1.65), Punjab (1.49).
🔹️​Metro Highlights: Delhi leads significantly with 1.70 Cr per ATM.
🔹️​Lower End: J&K (0.83) and Kerala (0.93) see lower average cash dispensations.
​2️⃣ Payment Modes Breakdown (FY26):
🔹️​Mobile Payments (App-based): Dominating with a massive volume of 222,070.99 mn transactions, valued at over ₹4,55,58,525 cr.
🔹️​Internet Payments: Standing strong at 44,54.71 mn transactions.
🔹️​Hard Cash: Cash withdrawals at ATMs recorded 5,368.95 mn transactions.
​3️⃣ Infrastructure Shifts (As of March 2026 vs March 2025):
🔹️​Cards on the Rise: Total number of cards jumped from 1,100.70 mn to 1,363.39 mn.
🔹️​PoS Terminals Booming: Point of Sale (PoS) terminals surged from 11.1 mn to 11.77 mn.
🔹️​UPI QR Expansion: UPI QR codes reached 761.22 mn (up from 657.93 mn in 2025).

​While app based mobile and UPI payments are skyrocketing, the sheer volume of ATM cash withdrawals proves cash isn't going anywhere. However, rising operational, logistics, and fuel costs are forcing a major rethink of ATM interchange fees.
@RBIsays @RBI @FinMinIndia @DFS_India

[PSB Punch @PSBPunch]

@pranshu_pratap_ @mxtaverse I am landlord bro ,I don't care about politician and bureaucrats.

[PSB Punch @PSBPunch]

Some well performed PSBs among 12 PSBs👇

🔹️Indian Overseas Bank is top performer among PSBs for corporate Lending .
🔹️Indian Overseas Bank is top performer among PSBs for Global Deposit growth (18%) whereas average Global Deposit growth for PSBs is 10.6%
🔹️Bank Of Maharashtra is top performer among PSBs for NIM with NIM of 3.90% whereas average NIM of PSBs is 2.8%.
🔹️8 PSBs out of 12 reported credit growth higher than average growth of PSBs.
@DFS_India @FinMinIndia @mahabank @IOBIndia @RBI

[PSB Punch @PSBPunch]

No matter how much we #UPI, #cash is still king.

Despite massive #digital growth, the RBI's latest report shows a strong preference for paper money among #households and small shops. The ₹500 note alone makes up a massive 85.5% of the value of #banknotes in circulation for FY26. Old habits die hard.
@RBIsays @RBI @DFS_India @FinMinIndia @_DigitalIndia

[PSB Punch @PSBPunch]

@Atulsingh_asan Harder to counterfeit ,no .

[PSB Punch @PSBPunch]

Looks like we might finally be saying goodbye to #torn and soggy paper #notes .

The #RBI is looking into introducing #polymer/#plastic banknotes again to handle the massive surge in #cash demand and reduce soiled notes.

Australia was first country in the world to introduce Polymer notes, total number of 60 countries which have introduced polymers banknotes in circulation.
@RBI @RBIsays @bsindia @DFS_India @FinMinIndia

[Phantom @ElonUncleSays]

Such type of incidents have projected a very negative image of bankers and complete blame goes to RBI which has drawn such illogical policies of not going for lunch in a same despite without understand the ground reality in which bankers are working. Every banker has his own work and responsibilty and there are only a few routine jobs which almost all can perform , otherwise the one who looks after loans is not necessarily dealing with routine operations and the same goes for one who looks after operations part. Cashier manages his own cash and he has responibility which he can't handover to anyother person during the lunch break. Despite all this RBI issued a circular after which it has created a controversy among masses. Go to any organsiation, any PSU any PSBs everywhere the work is being done without any hassle during the working hours, while in Banks we can see a negativity and a negative aura among bankers. They can't even have a 30 minute peaceful lunch with their colleagues resulting in resentment and distress among bankers.

@RBI and @DFS_India should also focus on improving work life balance for Bankers , rather focusing on pushing different govt initiatives through banks.

[NorbertBanker @NorbertBanker]

Banker kya kya karega ? ECLGS5.0 karega, PMSBY,PMJJBY karega ? Login day karega ya naukri bachayega?

[PSB Punch @PSBPunch]

@Rational1947 Yes bro thank you for noticing 😂

[PSB Punch @PSBPunch]

#MSRDC v/s #HDFC 👇

MSRDC promised for 25000 crore deposit if they provide differential ROI on deposit which was decided 6.01% also demanded cash of ₹ 5 crore upfront which was later declined by HDFC Bank.

HDFC and MSRDC both were unable to fulfill promise for eacother but HOWEVER MSRDC won by 45 crore .
@MSRDC_official @HDFC_Bank @RBIsays @RBI @FinMinIndia

[PSB Punch @PSBPunch]

@SutharAdit32523 @canarabank @RBI @DFS_India जिनकी घर में कोई नहीं सुनता वो आजकल सार्वजनिक बैंकों में जाकर वीडियो बनाते हैं और स्टाफ को परेशान करते हैं यह एक ट्रेंड बन चुका है !