News & Media 1st Oct 2025

Reserve Bank to link deposit insurance premiums to bank risk

Authors

Mukesh ChandSenior Counsel | Mumbai

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Our Senior Counsel Mukesh Chand has been quoted in the recent Mint article “Reserve Bank to link deposit insurance premiums to bank risk” authored by Neha Joshi.

According to him, RBI’s proposal shifts to risk-based premiums, with weaker banks paying more and stronger ones less. Coverage stays at 40% of deposits, but he urged reviewing the ₹5 lakh cap, clearer labelling, and exploring optional top-up cover.

Read the full article here

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