Tag Search: “banking”
The Indian banking system: A ticking time bomb
In response to RBI’s call to accelerate the recognition of stressed assets, publicly traded banks in India added nearly Rs. 1 trillion in bad loans in the quarter ending December 2015. In this articl...
- Ashish Pandey
- 13 May, 2016
- Perspectives
Recapitalising public sector banks by disinvesting in RBI: Right and wrong
The Economic Survey 2015-16 put forth the argument that the Government of India could reduce its capital in the RBI from its current large level and use it to increase its capital in public sector ban...
- Gurbachan Singh
- 09 May, 2016
- Perspectives
Achieving financial inclusion: Going cashless
A World Bank survey reveals that while about half of all individuals in India had bank accounts in 2014, only 12% had made a cashless transaction in the past year. In this article, Bappaditya Mukhopa...
- Bappaditya Mukhopadhyay
- 06 April, 2016
- Perspectives
How doorstep banking increased savings and income in Sri Lanka
Recent findings in development economics indicate that microloans are likely to perform best when accompanied by financial education, insurance, and savings products. This column presents evidence fro...
- Michael Callen Suresh de Mel Craig McIntosh Christopher Woodruff
- 30 March, 2016
- Articles
When higher volatility is good news
Conventional wisdom suggests that access to financial services such as banks and bond markets, providing savings and borrowing instruments, allows smoothing consumption over lifetime, irrespective of...
- Rudrani Bhattacharya Ila Patnaik
- 16 December, 2015
- Articles
Transforming Indian agriculture: The role of credit policy
Despite various policy attempts at priority sector lending to poor farmers, very little progress has been made on the ground, suggesting problems in the design and implementation of these policies. I...
- Amartya Lahiri Dilip Mookherjee
- 14 December, 2015
- Perspectives
Cash to cashless
The RBI is in discussion with the government on ways to reduce cash usage in the economy and to promote the use of cashless instruments. This column presents results from a study that estimates the e...
- Bappaditya Mukhopadhyay
- 30 November, 2015
- Articles
Are banks responsive to credit demand shocks in rural India?
The output of Kharif crops is estimated to decrease by about 2% this year due to deficient monsoon rains in some Indian states. How responsive are commercial banks to a credit demand shock in rural I...
- Sankar De
- 05 October, 2015
- Articles
Emergence of Bandhan as a bank: A new era in the Indian banking industry
At a time when the Indian banking industry is experiencing a steep rise in bad loans, Bandhan – an MFI with a near 100% loan recovery rate – has converted into a bank. Based on a survey of 112 Bandha...
- Somdutta Basu Souvik Dutta Abhirup Sarkar
- 27 August, 2015
- Articles
How interest rates affect financial decisions of Indian households
RBI has cut interest rates three times this year so far. While rate cuts are welcomed by the Indian corporate sector, their impact on households is less discussed. This column analyses the relationsh...
- Nikhil Gupta
- 17 July, 2015
- Articles
Foreign borrowing by Indian firms: Implications for growth and macroeconomic stability
This project analyses the pattern of external borrowing by Indian firms, an exercise that has as yet not been carried out. It identifies possible drivers of such borrowing.
- Ila Patnaik Ajay Shah Nirvikar Singh
- 30 June, 2015
- IGC Research on India
Barriers to basic banking in India
The Indian government is promoting the Jan Dhan Yojana, Aadhaar and mobile banking – or the “JAM trinity” — as the pathway to financial inclusion. But are banks capable or even willing take on their ...
- Camille Boudot-Reddy A.J. Mowl
- 29 May, 2015
- Articles