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Tag Search: “banking”

Has regulatory intervention been effective in maintaining stability of Indian banks?

To address the challenges that Indian corporates faced in the early 2000s in meeting their debt-servicing obligations to banks/financial institutions, RBI introduced a corporate debt restructuring pro...

  • Articles

How agricultural debt waiver impacts beneficiary households

How a large-scale and unanticipated debt-relief programme impacts beneficiary households is a question that has not been clearly answered by the existing literature. This column analyses the impact of...

  • Articles

Demonetisation and agricultural markets

In this article, Aggarwal and Narayanan contend that demonetisation alone cannot turn agricultural markets cashless. Such a shift would require sustained and focussed effort to expand the reach of for...

  • Perspectives

Demonetisation and rural cooperative banks

The RBI has barred rural cooperative banks from exchanging or accepting the denotified Rs. 1,000 and 500 notes. In this article, Ajay Vir Jakhar of Bharat Krishak Samaj - a non-partisan association of...

  • Notes from the Field

Kisan Credit Card programme: Expanded access to credit or expansion of credit?

Kisan Credit Card programme - a key reform in agricultural lending in India - has been operational for almost 20 years now. However, there is little empirical evidence of its impact on intended benefi...

  • Articles

Public sector banks: The more things change, the more they stay the same

Banks Board Bureau has been set up to help the government appoint heads of public sector banks (PSBs) and to advise on important issues in banking. In this article, Gurbachan Singh asks basic question...

  • Perspectives

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...

  • 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...

  • 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...

  • 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...

  • 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...

  • 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...

  • Perspectives