30 May, 2018Explainer: India’s payments banks
In August 2015, the RBI issued in-principle licences to 11 entities to establish payments banks in India – a unique format of banking which has not been used anywhere else in the world. Fully based ...
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Rahul Choudhury 
30 May, 2018
- Explainers
Does political reservation for women improve programme delivery?
This column outlines results of a study that assesses the impact of women leaders on corruption and other aspects of the quality of delivery of MNREGA. It argues that administrative experience, traini...
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Farzana Afridi
- 17 January, 2013
- Articles
Financial inclusion of women: Myth or reality?
Research indicates that initiatives targeted at financial inclusion of women have had limited success. This column contends that limited formal ownership of material assets by women and a lack of und...
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Deepti KC Mudita Tiwari
- 04 July, 2014
- Articles
Financial inclusion: Concepts, issues, and policies for India
The International Growth Centre recently brought out a synthesis paper (Singh 2017) that lays out the basic concepts surrounding financial inclusion, and reviews a wide range of IGC and other studies ...
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Nalini Gulati Nirvikar Singh
- 17 August, 2017
- Perspectives
Post demonetisation: Is digital finance in India's future?
Analysing RBI data from June 2017 – six months after demonetisation was announced on 9 November 2016 – Mukherjee and Wadhwa show that reliance on cash has reverted to pre-demonetisation levels, an...
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Anit Mukherjee Divyanshi Wadhwa
- 16 August, 2017
- Perspectives
Towards financial prescription
The Securities and Exchange Board of India has proposed that the distributors of mutual funds should only be allowed to sell financial products and not act as financial advisers for customers. Drawing...
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Gurbachan Singh
- 24 July, 2017
- Perspectives
Bank financing of stressed firms
There is anecdotal evidence that banks in India have been extending credit to highly distressed firms. By delaying recognition of bad loans, banks may improve their own profitability in the short run...
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Rajeswari Sengupta Anjali Sharma
- 07 June, 2017
- Articles
Strategy for dealing with the banking crisis
To deal with India’s banking crisis, Prof. Ajay Shah of NIPFP recommends a two-pronged strategy – more financing for firms, and RBI reforms.
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Ajay Shah
- 17 May, 2017
- Perspectives
The size of personal bank credit in India
In May 2016, the Insolvency and Bankruptcy Code law was passed by Indian Parliament and received presidential assent. The law consists of provisions for both corporate and personal insolvency. However...
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Renuka Sane Anjali Sharma
- 10 May, 2017
- Articles
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...
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Mostak Ahamed Sushanta Mallick
- 06 February, 2017
- Articles
A five-minute loan to unlock micro-entrepreneurship in India
Micro-entrepreneurs are grossly underserved by traditional lenders, as they typically do not have collateral or credit histories to make them creditworthy. In this article, Pande, Memon and Goyal of ...
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Vibhor Goyal Niloufer Memon Varad Pande
- 11 January, 2017
- Notes
Aadhaar, demonetisation, and the poor
There is a view that an Aadhaar-centred apparatus of digital inclusion can shield the poor from the problematic effects of demonetisation. In this article, Silvia Masiero argues that constraints of t...
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Silvia Masiero
- 09 January, 2017
- Perspectives
Assessing the impact of demonetisation through the gender lens
In this article, Mitali Nikore, Senior Consultant at PwC India, highlights how demonetisation is impacting women differentially, and offers policy suggestions on how the negative effects can be mitig...
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Mitali Nikore
- 04 January, 2017
- Perspectives
On demonetisation
On the evening of 8 November, the Prime Minister announced on national television that Rs. 1,000 and 500 notes are no longer legal tender, and must be exchanged at the banks for newly issued currency....
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Parikshit Ghosh
- 23 December, 2016
- Symposia
Demonetisation: A thunderbolt in search of a target
In this article, Ajit Karnik, Professor of Economics at Middlesex University, Dubai, examines the various rationales that have been trotted out to justify demonetisation and finds little evidence to b...
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Ajit Karnik
- 23 December, 2016
- Perspectives
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Tweets by Ideas4IndiaMost Popular Money & Finance Posts
Financial inclusion in India: Progress and prospects
Financial inclusion is globally considered as a critical indicator of development and well-being of society. In this post, Srinivasa Rao traces the financial inclusion journey in India so far, and dis...
- K. Srinivasa Rao
- 11 July, 2018
- Perspectives
Corporate debt market in India: Issues and challenges
While it is true that the Indian corporate debt market has transformed itself into a much more vibrant trading field for debt instruments from the elementary market that it was about a decade ago, th...
- Vaibhav Anand Rajeswari Sengupta
- 19 May, 2014
- Articles
Explainer: India’s payments banks
In August 2015, the RBI issued in-principle licences to 11 entities to establish payments banks in India – a unique format of banking which has not been used anywhere else in the world. Fully based ...
- Rahul Choudhury
- 30 May, 2018
- Explainers