CIBIL score controls your loan eligibility in India.
Most Indians think CIBIL is a government body. It’s not.
CIBIL is owned by TransUnion — an American company headquartered in Chicago. Listed on NYSE.
India isn’t even a significant % of their global revenue.
But it’s their fastest-growing market.
Your credit score. American ownership. Indian growth story.
Public Sector Banks (PSBs) recorded an all-time high net profit of ₹1.98 lakh crore in FY 2025–26, marking the fourth straight year of profitability.
PSBs registered lowest ever NPAs - Asset quality improved significantly, with the Gross NPA ratio declining to 1.93% and the Net NPA ratio dropping to 0.39% as of 31 March 2026 — the lowest levels recorded historically.
PSBs’ total business reached ₹283.3 lakh crore in FY 2025–26, registering robust y-o-y growth of 12.8% .
Gross advances of PSBs grew by 15.7% y-o-y to ₹127 lakh crore as on 31.03.2026, with strong growth across Retail, Agriculture and MSME segments.
Continued reforms and strengthened governance practices have reinforced PSBs through healthier balance sheets, enhanced operational resilience, and strong capital adequacy.
Read more here: https://t.co/NNF4204qdo
Officially 13th BPS to begin.
Public Banks current wage will be due from 1st Nov'27, so DFS want PSBs to complete negotiations in next 12 months beating last record of 14 months.
But most important point of last settlement #5DaysBanking still not implemeted & PLI is in dispute.
One Wrong Transaction Can Invite A Income Tax Notice.
#IncomeTax#TaxNotice#IncomeTaxNotice#TaxUpdates
Follow the Tax Talk with CA Nitin Chawla A.C.C.A channel on WhatsApp:👇 https://t.co/7KtKmuv6rW
TDS Rate Chart For Tax Year 25-26
Kindly Replace F.Y AND AY By Tax Year .
Follow the Tax Talk with CA Nitin Chawla A.C.C.A channel on WhatsApp: 👇 https://t.co/7KtKmuv6rW
#TDS#TDSCHART#TAXYEAR#INCOMETAX#TAXUPDATES
The Paradigm Shift
Most traders treat Claude like a search engine. They ask, "What stock should I buy?" and get a generic disclaimer. The pros treat Claude like a Senior Quantitative Analyst. You don't ask for "tips"; you provide raw data, SEC filings, and technical indicators, then ask it to build a weighted scoring model. It’s about moving from "opinion-based trading" to "logic-based automation."
🌁Bullish on Banks & NBFCs
• ROE: Sharp improvement, nearly 3x
• NPA: Bottomed out & stable around 2%
• Margins: Stable
• Valuations: below 1.5 Price to Book
I am bullish. I believe market has still not recognized the fundamental turnaround in the sector,as growth lacking.
Junior & mid-level bank officers handle frontline risk, heavy workload, and customer pressure every day—yet PLI rewards remain skewed to higher grades. Fair PLI must reflect real work and risk, not just hierarchy #FairPay
Whether the below pic is true @DFS_India
If you Pay:
- 30% Income Tax
- 18% GST
- 30% Dividend Tax
- 20% STCG & 12.5% LTCG
We are Literally Working 50% of the year for the Govt & 100% of the Year for the Company (pre retirement)
How many of you Feeling Proud of this?? 😇😃😆
#FI
In lieu of 28 Saturday off in a year bankers have proposed and agreed to work 10000 minutes extra in a year .
Still government not honouring bipartite and joint note agreement dated 08/03/24 .
27 /01/26 strike is forced upon us by the government going back on its own commitment.
Important Update for Central Government Employees
The Composite Salary Account Package has been launched on 14.01.2026 by Sh. M. Nagaraju, Secretary, DFS, in association with all Public Sector Banks.
The launch event was attended by Chairman SBI, MD & CEOs of all Nationalized Banks, CEO, NPCI through VC and all senior officers of DFS.
This new salary account offers a complete financial solution covering Banking, Insurance & Cards under one account.
🔹 Key Benefits:
🏦 Banking
* Zero-balance salary account
* Free RTGS/NEFT/UPI & cheque facilities
* Concessional interest on home, education, vehicle & personal loans
* Waiver on locker rent & loan processing charges
* Family banking benefits
🛡️ Insurance Protection
* Personal Accident Cover up to ₹1.5 Cr
* Air Accident Cover up to ₹2 Cr
* Disability Cover up to ₹1.5 Cr
* Term Life Insurance up to ₹20 lakh (with optional top-up cover)
* Comprehensive Health Insurance for self & family (with top-up at affordable premium)
💳 Cards & Digital Benefits
* Enhanced debit & credit card benefits
* Airport lounge access, rewards & cashback
* Unlimited transactions & nil maintenance charges
24 - Saturday Off (4th)
25 - Sunday
26 - Republic Day Holiday
27 - 𝐁𝐚𝐧𝐤 𝐒𝐭𝐫𝐢𝐤𝐞
In demand of #5DayBankingNow , Bank Unions have called Strike, Services to be halted for 4 days in row.
@FinMinIndia@DFS_India@nsitharamanoffc@RBI
In the era of Digital India when smart banking should be the mark of VIKSIT BHARAT we are still following back dated idea of 6 days Banking. Long pending demand of #5DayBankingNow
should be implemented immediately unconditional.
5-day working in Banking Sector is not a “luxury demand” But It is about:
✔ Mental health
✔ Family life
✔ Reduced burnout
✔ Better compliance
#5DaysBankingNow
Bank employees medical insurance limits were fixed in 2015
₹3L for clerks, ₹4L for officers.
Today, cancer treatment costs over ₹50L
Kidney, liver, heart procedures? ₹18–34L
Wid 14% medical inflation, limits shld be ₹11L-₹15L by now.
Why no revision in 10 years? @DFS_India