The RBI officially cancelled Paytm Payments Bank's licence on April 24, 2026, due to persistent compliance failures, signaling a zero-tolerance policy for governance lapses.

The sector maintains a robust Capital to Risk-Weighted Assets Ratio (CRAR) of 17.4% , well above regulatory requirements.

As of April 2026, the Indian banking sector is on its strongest footing in decades , characterized by high capital buffers, record profitability, and asset quality at multi-decade lows.

Lending is expanding at a healthy rate of 10.4%–11.3% for FY26, driven by retail credit and manufacturing. 2. Major Regulatory Reforms (April 2026)

Indian banking sector

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