Nithya Subramanian
Nithya Subramanian, a deputy editor at Regulation Asia, has wide experience covering the financial sector in India and Singapore. She has written extensively about wealth management, capital markets and insurance sectors tracking policy and corporate developments. Researching and writing about the South Asian diaspora settled in Singapore and the region is another area of interest. She has a post-graduate degree in English literature. Reach out to her at nithya@regulationasia.com
Articles by Nithya Subramanian
Credit Risk
India Proposes Overhaul of Lending Norms for Rural Co-op Banks
11/08/2026
The RBI has released draft rules to revise concentration risk limits and increase housing loan caps for the country's rural co-operative banks.
Credit Risk
RBI Finalises Loan Recovery Rules, Sets Strict Curbs on Agents
11/08/2026
A harmonised code of conduct for all regulated lenders introduces new rules on agent certification, borrower communication, and technology-based recovery.
Emerging Prudential Risks
RBI Releases 2026-27 List of Upper Layer NBFCs
11/08/2026
RBI has kept Tata Sons on the list, but noted that the firm has applied to surrender its registration.
Credit Risk
RBI Proposes to Ban Most NBFCs from Revolving Credit
11/08/2026
Draft rules would restrict NBFCs to offering only term loans, a move that could reshape the sector's product offerings.
Fraud, Scams & Cybercrime
Japan Mandates Stricter Anti-Fraud Controls for Crypto Exchanges
11/08/2026
Japan's financial and police authorities have jointly ordered crypto exchanges to implement a sweeping set of measures to combat rising investment and romance scams.
Structural Regulation
SEBI Proposes Easing Investment Rules for REITs and InvITs
11/08/2026
The proposals aim to facilitate investment in under-construction projects, streamline unitholder approvals, and clarify rules for exit offers and asset classification.
Sustainable Finance
Civil Society Groups Urge Banks to End All Coal Financing in ASEAN
10/08/2026
New report finds regional policies are insufficient to meet climate goals and calls on financiers to close loopholes and strengthen social safeguards.
Capital Adequacy
India: Oversight of UCBs Significantly Tightened Since 2021, Says Minister
10/08/2026
Since 2021, the RBI has placed 87 banks under direction and paid out over INR 189 billion in deposit insurance claims.
Structural Regulation
RBI Drafts Strict New Rules for Urban Co-op Bank Licensing
10/08/2026
The central bank proposes to end a 22-year freeze on licensing, but set high financial thresholds and stringent governance standards for new entrants.
Structural Regulation
India Stock Exchanges Propose Overhaul of Authorised Persons Framework
10/08/2026
NSE and BSE have released proposals outlining stricter eligibility, financial, and supervisory requirements for broker-appointed agents to enhance investor protection and market integrity.
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