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
RBI Proposes Harmonised Interest Rate Rules for All Lenders
13/08/2026
The draft directions aim to align rules for banks and non-banks, introducing benchmark-based pricing and caps on certain small-ticket loans.
Payments & Settlements
India’s FinMin Clarifies UPI to Remain Free for Users
13/08/2026
There will be no charges for consumers for UPI transactions, though new legislation enables potential future fees for merchants.
Supervision & Enforcement
Malaysia to Place Muslim Pilgrims Fund Under SC's Regulatory Oversight
13/08/2026
The move follows a probe that found ignored central bank warnings, political interference, and billions in losses at the Muslim pilgrims fund, prompting calls for wider reforms.
Trading & Investment
Malaysia, Hong Kong Deepen Ties, Confirm September Dual Listings
13/08/2026
A new framework to streamline dual listings will take effect in September, supported by a new Hong Kong trade office in Kuala Lumpur.
Capital Adequacy
SEBI Lowers Stress Test Limits for Commodity Derivatives
13/08/2026
The regulator has halved the Z-score threshold used for historical stress tests, a move that could lower capital requirements for clearing corporations.
Liquidity Risk
RBI Eases Priority Lending Rules for Non-Resident Deposits
13/08/2026
New rules allow banks to exclude loans against certain fresh FCNR(B) and NRE deposits from priority sector lending calculations.
Trading & Investment
SEBI Consults on Allowing FPIs in Physically Settled Commodity Derivatives
13/08/2026
The proposal aims to deepen liquidity by allowing foreign investors in deliverable contracts, subject to a backstop mechanism to prevent physical settlement obligations.
Structural Regulation
India Scraps Taxes for Foreign Investors in Government Bonds
12/08/2026
New legislation grants full tax exemption on government bond income for foreign funds and eases rules for offshore fund managers.
Structural Regulation
SEBI Overhauls Inspection Framework for Market Intermediaries
12/08/2026
The regulator will slash its own inspection targets, mandating joint risk-based checks by exchanges and depositories to enhance supervision and ease compliance.
AI Risk & Governance
Singapore Reaffirms Risk-Based Stance on AI Governance
12/08/2026
The government has pointed to existing frameworks for agentic AI and content moderation, while keeping mandatory rules for high-risk systems under review.
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