How financial stress impacts consumer confidence
The financial turmoil of 2008 and the subsequent recession amplified the association between vulnerabilities in the financial markets and the real economy. Examining the behavioural responses of India...
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Anurag Banerjee
Debasis Rooj
Reshmi Sengupta
15 May, 2025
- Articles
New banks, credit, and misallocation
In the late 1990s, India opened its banking sector to new private banks – both domestic and foreign. This article shows that this resulted in greater flow of credit – but only for big firms. Highe...
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Pavel Chakraborty
Nirvana Mitra
28 April, 2025
- Articles
Seeking ‘greenium’
While sustainable investing is growing rapidly, it is unclear who is benefitting from this and how. Based on analysis of data on green bonds and loans, this article finds that the gainers are mainly f...
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Jitendra Aswani
Shivaram Rajgopal
17 April, 2025
- Articles
Policymaking at a time of high risk-aversion
The key issues in the Indian financial sector in general, and banking in particular, are bearing risk and allocating capital. These are especially important now as India enters into a prolonged phase ...
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Rajeswari Sengupta
Harsh Vardhan
06 April, 2020
- Perspectives
Yes Bank: The anatomy of a crisis
The string of frauds and failures unearthed in recent years in the Indian banking sector indicate weaknesses in banking supervision. In this post, Pandey and Priyadarshini argue that the Reserve Bank ...
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Radhika Pandey
D. Priyadarshini
23 March, 2020
- Perspectives
Using intermediaries to deliver credit
Communities are monitoring service providers, and local governments are delivering development and welfare programmes in developing countries. This article indicates the potential value of enlarging t...
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Pushkar Maitra
Sandip Mitra
Dilip Mookherjee
Sujata Visaria
02 March, 2020
- Articles
The missing women in finance
Women comprise a very small proportion of the financial industry workforce, and this has implications on the way female clients use and benefit from financial services. This article discusses if the f...
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Renana Jhabvala
Soumya Kapoor Mehta
Sonal Sharma
13 December, 2019
- Articles
Raising coverage under deposit insurance: A soft option
Indian Parliament is expected to legislate on a rise in the amount of insurance for bank deposits from Rs. 100,000 to possibly Rs. 500,000 in its ongoing winter session. In this post, Gurbachan Singh ...
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Gurbachan Singh
02 December, 2019
- Perspectives
Lessons from the PMC Bank fiasco
In September, Reserve Bank of India (RBI) had to impose restrictions on Punjab and Maharashtra Co-operative Bank (PMCB) as the latter was found to be involved in a mega loan fraud. RBI has taken steps...
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K. Srinivasa Rao
06 November, 2019
- Perspectives
Approaches to regulation of cryptocurrencies
In June, Facebook announced its plan to create a global, private cryptocurrency, backed by a reserve of assets and held by a network of reputed companies. In the backdrop of changing dynamics of crypt...
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Radhika Pandey
D. Priyadarshini
Raghunath Seshadri
31 October, 2019
- Perspectives
How banking crisis is impeding India’s economy
The amount of non-performing assets (NPAs) in India’s banking sector has skyrocketed in the last five years. It has been accompanied by a sharp decline in investment growth, and a significant econom...
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Rajeswari Sengupta
Harsh Vardhan
11 October, 2019
- Perspectives
I4I Panel Discussion: Financing development in India
I4I recently organised a panel discussion on ‘Financing Development in India’ with Prachi Mishra (Goldman Sachs), Andy Mukherjee (Bloomberg), and Ananth Narayan (SPJIMR). The discussion was modera...
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Nalini Gulati
03 October, 2019
- Videos
Linking lending rates to external benchmark: Challenges and opportunities for banks
The Reserve Bank of India has made it mandatory for banks to link all new floating-rate personal, retail loans, along with loans to micro, small and medium enterprises to an external benchmark-based i...
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K. Srinivasa Rao
25 September, 2019
- Perspectives
Would RBI fund transfer weaken government's financial position?
The Reserve Bank of India (RBI) recently decided to transfer Rs. 1.76 trillion to the Government of India (GOI). If the RBI has inadequate capital, then it should not transfer funds to the GOI. But ev...
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Gurbachan Singh
02 September, 2019
- Perspectives
Can the microcredit model be improved?
Microcredit is frequently touted as an effective policy tool to fight global poverty. However, studies suggest that the long-term impact on recipients’ lives is limited. In this post, Mushfiq Mobara...
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Vikas Dimble
Mushfiq Mobarak
21 August, 2019
- Articles
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Tweets by Ideas4IndiaMost Popular Money & Finance Posts
India’s insurance sector: Challenges and opportunities
While India’s insurance sector has been growing dynamically in recent years, its share in the global insurance market remains abysmally low. This article traces the journey of the Indian insurance s...
Kuntala Bandyopadhyay
Saon Ray
Vasundhara Thakur
31 August, 2020
- Articles
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
Thinking about financial sector reforms in India
A key element of the economy that needs to function well in order to facilitate India’s strong and sustained recovery from the pandemic is the financial system. In this post, Sengupta and Vardhan d...
Rajeswari Sengupta
Harsh Vardhan
15 November, 2021
- Perspectives