A lot of transactions that happen in India (especially UPI transactions) have very small value and are not able to make a bank profitable by itself. Lending is

A lot of transactions that happen in India (especially UPI transactions) have very small value and are not able to make a bank profitable by itself. Lending is a major driver of success for banks in India currently. As it happens Yes Bank they have given out a lot of bad loans which did not get repaid. That is the primary reason Yes bank is not doing great. Apart from this there are allegations of corruption against the top level executives of the bank. But mainly its the concern about the bank's balance sheet that has prompted RBI to act.