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India needs big promoter-led banks, and the RBI needs sharp sleuths to oversee them

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India needs big promoter-led banks, and the RBI needs sharp sleuths to oversee them

In a span of a week, the Reserve Bank of India (RBI) has not only allowed a foreign bank to buy a private sector bank, and thereby gain more footprint in India but is now also thinking of opening the gates of banking to big conglomerates.India’s banking regulator seems to have tuned into American singer Bob Dylan’s “the times they are a-changing” yet again.

In a span of a week, the Reserve Bank of India (RBI) has not only allowed a foreign bank to buy a private sector bank, and thereby gain more footprint in India but is now also thinking of opening the gates of banking to big conglomerates. What’s more is that big non-banking finance companies (NBFC) should turn themselves into mainstream banks.These are two of the many recommendations made by an internal working group. To be sure, these recommendations have been made in the past too. But the RBI has so far avoided being too lenient on giving out banking licences. In the last round of universal bank licensing six years ago, only two candidates made the cut and none of them were big conglomerates.

However, analysts feel this time the RBI may indeed warm up to the idea. The rationale is simple. The Indian economy needs big banks promoted by deep pocketed entities that can easily finance the needs of the economy. “For a capital starved banking sector, the only way is to tap domestic promoters to grow. I think some of the recommendations are path breaking if adopted,” said Abizer Diwanji, partner and national leader- financial services at E&Y. Diwanji believes that the RBI may first allow big NBFCs to turn them into banks. Such lenders already have the track record needed. Some of them also have robust processes that rival that of banks. “We need large scale lending in India and NBFCs turning into banks will help this,” said Diwanji. Analysts believe that NBFC shares may gain although these are just recommendations and not rules yet.While RBI may be softer on NBFCs, it may be tough to convince for giving licences to big conglomerates. To be sure, the working group has recommended that licences be given only once the Banking Regulation Act 1949 is suitably amended. This may take time. Also, the complex structure of large conglomerates make it difficult for the RBI to oversee them. “Big corporates getting licences may not be soon because the RBI will want to first ensure governance structures and supervisory rigour,” said Diwanji.

This rigour has come under question. While the RBI has tightened regulations enough to avoid nasty surprises, its supervisors have not been able to fish out dodgy transactions. Within two years, two large NBFCs and three banks have gone under. In the end, the regulator has been blamed for either waiting too long to rescue a bank or completely missing the problem. But the RBI has begun to plug the holes. In the past months, it has built a separate cadre of supervisors and also beefed up training.

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Big conglomerates and NBFCs may find themselves closer to a bank licence than before. But the RBI won’t give in until it has all the shields in place.

Also Read: BIGG BOSS 14: KAMYA PUNJABI COMPARES KAVITA KAUSHIK TO SIDHARTH SHUKLA, CALLS PAVITRA’S OUTBURST ‘JOKE OF THE SEASON’

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Train smarter, not harder: How taking occasional breaks from gym can revolutionise your fitness routine

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Train smarter, not harder: How taking occasional breaks from gym can revolutionise your fitness routine

Taking regular breaks from intense training, like deload weeks, helps your body recover, preventing fatigue and injury, and ultimately boosts fitness gains.

When it comes to getting fit, the idea of spending hours at the gym might come to mind, but many fitness experts argue that taking a “deload week” every six to eight weeks is actually key to improving your fitness gains. A deload week involves reducing the intensity of workouts to allow the body to recover from the fatigue and muscle damage caused by intense training.

While high-intensity training helps build strength and fitness, it can also lead to muscle strain, and without adequate recovery, these gains can’t fully materialise. Deload weeks give the body much-needed rest to repair and rebuild, ensuring continued progress. (Also read: Bhagyashree swears by this super easy exercise for instant leg pain relief and better mobility. Watch how to do it )

Why recovery is key for muscle growth

According to an article by The Conversation, intense exercise can cause tiny tears in muscle fibres, leading to inflammation that requires rest or low-intensity exercise to heal. This inflammation is essential for muscle growth and fitness improvements. However, without proper recovery, muscles remain in a state of slight damage, preventing inflammation from resolving. This chronic state of inflammation can hinder muscle function, reducing oxygen efficiency and impairing performance. Giving muscles time to recover through rest ensures they repair properly and are primed for continued progress, setting us up for greater success in our fitness journey.

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Many gymgoers fear taking time off and are worried it will lead to a loss of gains. However, research shows that muscle genes have a “memory imprint,” which keeps them in a semi-prepared state. This allows muscles to respond more quickly and effectively to future training, promoting growth after a rest period. Even after extended periods of reduced intensity, up to seven weeks, muscular fitness can be restored to prime condition—and in some cases, surpass previous levels. Interestingly, recovery can occur twice as fast as it took to reach peak fitness initially, even if some strength is lost.

Taking time off from intense training is crucial to prevent muscle soreness and avoid overtraining syndrome. Overtraining occurs when the body doesn’t get enough rest, leading to prolonged fatigue, decreased performance, and mood disturbances. Symptoms develop gradually, making overtraining difficult to recognize until it’s severe. Rest is essential to avoid these issues and ensure long-term progress in training.

Role of overtraining syndrome and deload weeks

Overtraining syndrome is challenging to quantify due to its vague symptoms. Studies suggest it may affect as few as 10% of elite athletes, though rates could climb to 60% among highly competitive individuals. Recovery is essential for both fitness and overall health. When engaging in heavy gym routines, it’s vital to incorporate sufficient recovery time into your workout plan. Unlike rest days, which involve little to no exercise once or twice a week, deload weeks feature lighter training at reduced intensity—typically about 50% fewer workouts or a 20% drop in workout intensity.

Both rest days and deload weeks are essential for recovery and crucial to improving fitness. It’s not about choosing one over the other—they complement each other. For instance, intense training for marathons, Ironman, or CrossFit competitions requires weekly rest days alongside scheduled deload weeks. However, for recreational gym-goers exercising 1–3 times weekly at a moderate intensity, the recovery from this routine is often sufficient without the need for additional deload weeks.

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Fitness influencers recommend incorporating deload weeks into training schedules every 4–8 weeks, aligning closely with the expert advice of 4–6 weeks. However, it’s crucial to listen to your body and schedule deload weeks as needed. If your performance plateaus or worsens, it may signal time for a deload. Training plans should be flexible enough to allow rest when required. Deload weeks not only enhance performance but also support overall health.

Disclaimer: This article is for informational purposes only and not a substitute for professional medical advice. Always seek the advice of your doctor with any questions about a medical condition.

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