UPI: A game changer towards achieving a cashless economy
Since the launch of the Unified Payment Interface (UPI), the volume of digital transactions in India has increased exponentially over the last few years. Shamim Ara highlights the trends in the expans...
- Shamim Ara
- 22 May, 2023
- Perspectives
The post-pandemic credit landscape in India
The economic shock caused by the Covid-19 pandemic and longstanding structural issues like the NPA crisis with its associated risk aversion in the banking sector resulted in low bank credit growth in...
- Rajeswari Sengupta Harsh Vardhan
- 08 May, 2023
- Articles
16th Finance Commission: Towards vertical and horizontal balance
The recommendations of the recently constituted Sixteenth Finance Commission (FC16) will govern the sharing of revenues between the Union and states during 2026-2031. In this post, Ganguli and Sinha l...
- Barna Ganguli Bakshi Amit Kumar Sinha
- 13 February, 2024
- Perspectives
Understanding the recent ordinance amending the Insolvency and Bankruptcy Code
The Insolvency and Bankruptcy Code, 2016 (IBC) is a landmark reform for India. One year after the notification of the law, an Ordinance to amend IBC has been promulgated, which bars several categories...
- Rajeswari Sengupta Anjali Sharma
- 23 March, 2018
- Perspectives
Huge bank losses, frauds, and economic risks
Banks have incurred humongous losses in India. The public authorities have taken corrective measures primarily in the form of strengthening laws, audits, and the enforcement processes. In this articl...
- Gurbachan Singh
- 09 March, 2018
- Perspectives
Have policy initiatives in emerging Asian economies improved firms' access to external finance?
Since the 1997-98 Asian financial crisis, policymakers in Asia have initiated a series of reforms aimed at developing and strengthening the regional financial markets. This column provides new evidenc...
- Udichibarna Bose Ronald MacDonald Serafeim Tsoukas
- 28 February, 2018
- Articles
Do exchange listings help ease financial constraints of SMEs?
Small and medium enterprises (SMEs) are viewed as an engine of economic growth and source of job creation. In an attempt to ease their financial constraints, India and some other countries, have exper...
- Nidhi Aggarwal Susan Thomas
- 07 February, 2018
- Articles
A vision and action plan for financial sector development and reforms in India
In this article, Agarwal and Prasad present a summary of their new Brookings India report, which takes stock of financial sector development in India, identifies areas of improvement, outlines long-t...
- Isha Agarwal Eswar Prasad
- 29 January, 2018
- Perspectives
Bubble in bitcoin or elsewhere?
The price of Bitcoin has skyrocketed. Gurbachan Singh contends that there may or may not be a bubble in cryptocurrencies. If there is a bubble, then the prices will fall eventually, and the story will...
- Gurbachan Singh
- 11 December, 2017
- Perspectives
Facilitating foreign investment in rupee-denominated debt
On 22 September 2017, the RBI notified that rupee-denominated offshore bonds – popularly known as ‘masala bonds’ – will no longer form part of the limit for investment in corporate bonds by fo...
- Radhika Pandey Sanhita Sapatnekar
- 27 November, 2017
- Perspectives
What did demonetisation do to domestic agricultural markets?
When the note ban was announced a year ago, many feared that it would hit agriculture and informal sectors the hardest given the widespread use of cash for transacting in these sectors. Based on analy...
- Nidhi Aggarwal Sudha Narayanan
- 10 November, 2017
- Articles
Recapitalisation of public sector banks, and financial repression
Government of India recently announced its decision to infuse Rs. 2.11 trillion of fresh capital into public sector banks, financed partly through recapitalisation bonds. In this article, Dr Gurbachan...
- Gurbachan Singh
- 06 November, 2017
- Perspectives
Should India hold US$400 billion of foreign exchange reserves?
RBI’s foreign exchange reserves have now crossed the US$400 billion mark. In this article, Dr Gurbachan Singh discusses why India’s Central Bank should not hold such large reserves.
- Gurbachan Singh
- 03 October, 2017
- Perspectives
Why are finances of Indian states deteriorating?
The combined stock of debt owed by Indian states is about 21% of GDP, and is proliferating. In this article, Ananya Kotia discusses why the stock of the states’ debt is unsustainable today despite ...
- Ananya Kotia
- 27 September, 2017
- Perspectives
Caste and credit: Not such a woeful tale?
Caste is an enduring predictor of economic status in India and caste-based discrimination continues to pervade several spheres of life. What about rural lending? This column suggests that most caste-w...
- Sunil Mitra Kumar Ragupathy Venkatachalam
- 11 September, 2017
- Articles
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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