SFB articles
Fresh articles on syllabus changes, RBI policy moves, and high-yield revision tactics — written for working bankers who study after office hours.
Capital Adequacy Norms for Small Finance Banks: 15% CRAR Rules
Capital adequacy norms for small finance banks are deliberately tighter than the norms applied to universal commercial banks, and...
Small Finance Bank to Universal Bank Transition: RBI Rules
The small finance bank to universal bank transition is the single most examinable structural topic in the IIBF Certificate in Smal...
Customer Grievance Redressal and Internal Ombudsman in Small Finance Banks
For a small finance bank whose customers are frequently opening a formal bank account for the very first time, customer grievance...
Financial Literacy for the Unbanked: Outreach, Content and Outcomes
Access to a savings account no longer guarantees a Small Finance Bank customer stays active. Financial literacy for the unbanked i...
Agent Banking Through Business Correspondents in Small Finance Banks
For a small finance bank, agent banking through business correspondents is not a side channel — it is the delivery model that make...
Target Segment of Small Finance Banks Explained (IIBF SFB)
Every IIBF Small Finance Bank paper eventually tests one core idea: who is a small finance bank actually built to serve? Understan...
Corporate Governance in Small Finance Banks: Board and RBI Norms (IIBF SFB)
Corporate governance in small finance banks decides whether a lender survives its own growth. An SFB takes public deposits from da...
Micro Enterprise Lending by Small Finance Banks: Appraisal and Collections (IIBF SFB)
For loan officers writing the IIBF Small Finance Bank exam, micro enterprise lending by small finance banks is the paper's most pr...
Banker Customer Relationship in Small Finance Banks Explained
When a customer walks into a Small Finance Bank branch to open a savings account or apply for a small business loan, a legal relat...
Small Finance Bank Licensing: On-Tap Norms and Eligibility (IIBF SFB)
For an aspirant appearing in the IIBF Small Finance Bank paper, small finance bank licensing is the single most exam-heavy topic i...
Deposit Mobilisation for Small Finance Banks: CASA and Costs (IIBF SFB)
Deposit mobilisation for small finance banks is not a marketing exercise — it is a balance sheet survival question. Unlike a unive...
Cash Reserve Ratio for Small Finance Banks: IIBF SFB Guide
Every commercial bank operating in India, including a Small Finance Bank, has to park a share of its deposits in safe, liquid form...