21 October, 2025Deregulating deposits: What India’s experience tells us about banking today
Amid a sharp liquidity deficit, Indian banks are aggressively raising deposit rates to attract household savings – a pattern last observed over a decade ago. This article investigates what the curre...
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Yogeshwar Bharat Subhadeep Halder Nirupama Kulkarni 
06 October, 2025
- Articles
Stability at the cost of growth? Rethinking liquidity rules in India’s banking sector
Liquidity regulation – quantity-based requirements mandating banks to maintain enough high-quality assets to meet short-term obligations during periods of stress – is a long-standing policy tool o...
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Sameedh Sharma
- 24 July, 2025
- Articles
The State within India’s corporate bond market
The value of gross issuances in India’s corporate bond market has grown by 150% over the past decade. In this post, Harsh Vardhan contends that while the market has become bigger, reforms are needed...
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Harsh Vardhan
- 12 June, 2025
- Perspectives
New resolution framework for stressed assets: Challenges and opportunities
The Insolvency and Bankruptcy Code (IBC), 2016 aims to expedite resolution of stressed assets, and provide an exit route to failed entities. A simplified, generic framework has been developed by RBI f...
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K. Srinivasa Rao
- 16 May, 2018
- Perspectives
The big bank theory
The Indian banking system is saddled with non-performing and stressed assets, which currently constitute about a quarter of all assets. In this post, Maitreesh Ghatak argues that while there are valid...
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Maitreesh Ghatak
- 11 May, 2018
- Perspectives
Does your cultural background affect your credit profile?
In many economies – both developed and developing – economic transactions tend to cluster by ethnic or social group. Using data from a large, state-owned bank in India, this article presents evide...
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Raymond Fisman
- 04 May, 2018
- Articles
Public bank privatisation: No panacea for the ills of the banking sector
The recent Punjab National Bank fraud has rekindled the debate on bank privatisation, often considered a solution for the poor management in public sector banks. In this article, Sengupta and Roy cont...
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Shubho Roy Rajeswari Sengupta
- 25 April, 2018
- Perspectives
Where is the cash?
In recent weeks, reports of currency shortages have emerged from several parts of the country. In this post, Nalini Gulati contends that the cash crunch appears to be temporary and is likely to be res...
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Nalini Gulati
- 20 April, 2018
- Perspectives
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
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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
RBI’s costly experiments with the currency
During 2023-2024, the average annual volatility of the rupee-dollar exchange rate was 1.8% – the lowest in over two decades. In this post, Patnaik, Pandey and Sengupta explain why sudden and sharp l...
- Radhika Pandey Ila Patnaik Rajeswari Sengupta
- 21 February, 2025
- Perspectives