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
Informal Insurance under Group Lending with Individual Liability
This study aims to provide empirical support to the hypothesis that informal insurance plays an important role in the context of group lending under individual liability, and to evaluate the impact of...
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Somdutta Basu
Souvik Dutta
Abhirup Sarkar
31 March, 2018
- IGC Research on India
A study on the impact of financial market reforms on investment, financing and governance structures of the publicly traded firms in India
This project empirically studies financial benefits of equity market integration at the firm level in emerging economies. It explores the unique setting of public firms cross-listing on a new domestic...
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Sanjay Banerji
Krishna Gangopadhyay
31 March, 2018
- IGC Research on India
Repayment flexibility, contract choice, and investment decisions among Indian microfinance borrowers
Borrowers’ difficulties to comply with repayment obligations, for entrepreneurial and consumption motives, have pushed several microfinance institutions to introduce some degree of flexibility durin...
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Parul Agarwal
Giacomo De Giorgi
31 March, 2018
- IGC Research on India
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...
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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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...
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Gurbachan Singh
06 November, 2017
- Perspectives
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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