JAG Transfer order dated 05/05/2015

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Postal bank set to become a reality, says Rajan

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The country will see many new banks in the coming years, including a postal bank promoted by the postal department, Reserve Bank of India (RBI) governor Raghuram Rajan said on Thursday. Speaking on the occasion of commemorating 80 years of the central bank, the governor said, “In the coming year, we will have many new players in the banking eco-system, such as payments banks, small finance banks and possibly a postal bank competing with existing universal banks, regional rural banks, cooperative banks, and a variety of non-bank finance companies.” The department of posts has already applied for a payments bank licence after RBI initiated the licensing process last year. Payments banks are niche banks which will be allowed to function with several restrictions; they will not be allowed to lend and will have a cap on the deposit it can take from an individual. A postal bank, if it gets a licence from RBI, will be a universal bank. A task force under T S R Subra...
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Four ways to undo the ill effects of prolonged sitting

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