<prompt> Hlalosa liphetoho tsa morao-rao tsa maano a libanka tsa India.nan  <response>: Instruction in English: Explain the recent changes in Indian banking policies. . Response in English: In recent years, the Indian banking sector has seen several changes in its policies due to government-driven reforms and technology-driven innovations. Some major changes introduced are as follows:1. Consolidation of banks: The government has merged several public banks in the last few years to streamline the banking sector and enhance the operational efficiency of banks.2. Implementation of Basel III norms: Indian banks are now implementing the Basel III norms, which are international regulatory frameworks that aim to strengthen the regulation, supervision and risk management system of banks.3. Emphasis on digital banking: There is an increased emphasis on digital banking and financial inclusion with the launch of new measures such as Unified Payments Interface UPI, Digital India, and other mobile banking initiatives. 4. Changes in monetary policy: The Reserve Bank of India RBI has changed its monetary policy approach, aiming to keep inflation within the target range of 4 percent, while taking measures to boost economic growth.5. Implementation of Insolvency and Bankruptcy Code IBC: India has implemented the IBC to resolve the problem of bad loans and non-performing assets NPAs quickly and effectively.6. Introduction of Prompt Corrective Action PCA Framework : RBI introduced PCA framework for banks to prevent further deterioration of banks that face issues with non performing assets , capital adequacy and profitability thereby ensuring stable growth in the future.These are some of the recent changes in Indian banking policies aimed to make the banking sector more transparent, efficient, and accountable. . Response in Sesotho: Lilemong tsa morao tjena, lefapha la libanka la India le bone liphetoho tse maloa melaong ea lona ka lebaka la liphetoho tse tsamaisoang ke muso le mekhoa e mecha ea theknoloji. Diphetoho tse ding tse kgolo tse hlahisitsweng ke tse latelang: 1. Kopanyo ya dibanka: Mmuso o kopantse dibanka tse mmalwa tsa setjhaba dilemong tse mmalwa tse fetileng ho nolofatsa lekala la dibanka le ho matlafatsa bokgoni ba tshebetso ya dibanka. 2. Phethahatso ea litloaelo tsa Basel III: Libanka tsa India joale li kenya tšebetsong litloaelo tsa Basel III, e leng meralo ea taolo ea machaba e ikemiselitseng ho matlafatsa taolo, tsamaiso le tsamaiso ea likotsi tsa libanka. 3. Ho hatisoa ha libanka tsa digital: Ho na le khatello e eketsehileng ea ho banka ea digital le ho kenyeletsoa lichelete ka ho thakholoa ha mehato e mecha e kang Unified Payments Interface UPI, Digital India, le mekhoa e meng ea libanka tsa mehala. 4. Liphetoho tsa leano la lichelete: Reserve Bank of India RBI e fetotse mokhoa oa eona oa leano la lichelete, ka sepheo sa ho boloka theko ea lichelete e le ka hara tekanyo ea 4 lekholong, ha e ntse e nka mehato ea ho matlafatsa kholo ea moruo. 5. Tsebetsong ea Melao ea ho Insolvency le Bankruptcy Code IBC: India e kentse tšebetsong IBC ho rarolla bothata ba likoloto tse mpe le thepa e sa sebetseng NPAs kapele le ka katleho. 6. Kenyelletso ea Prompt Corrective Action PCA Framework : RBI e hlahisitse moralo oa PCA bakeng sa libanka ho thibela ho senyeha ho eketsehileng ha libanka tse tobanang le mathata le thepa e sa sebetseng , chelete e lekaneng le phaello ka tsela eo ho netefatsa kholo e tsitsitseng nakong e tlang. Tsena ke tse ling tsa liphetoho tsa morao-rao tsa maano a libanka tsa India tse reretsoeng ho etsa hore lekala la libanka le be pepeneneng, le sebetse hantle le ho ikarabella. 