Tag Search: “banking”
Demonetisation and rural cooperative banks
The RBI has barred rural cooperative banks from exchanging or accepting the denotified Rs. 1,000 and 500 notes. In this article, Ajay Vir Jakhar of Bharat Krishak Samaj - a non-partisan association of...
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Ajay Vir Jakhar
22 November, 2016
- Notes from the Field
Kisan Credit Card programme: Expanded access to credit or expansion of credit?
Kisan Credit Card programme - a key reform in agricultural lending in India - has been operational for almost 20 years now. However, there is little empirical evidence of its impact on intended benefi...
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Somdeep Chatterjee
03 November, 2016
- Articles
Public sector banks: The more things change, the more they stay the same
Banks Board Bureau has been set up to help the government appoint heads of public sector banks (PSBs) and to advise on important issues in banking. In this article, Gurbachan Singh asks basic question...
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Gurbachan Singh
21 July, 2016
- Perspectives
The Indian banking system: A ticking time bomb
In response to RBI’s call to accelerate the recognition of stressed assets, publicly traded banks in India added nearly Rs. 1 trillion in bad loans in the quarter ending December 2015. In this articl...
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Ashish Pandey
13 May, 2016
- Perspectives
Recapitalising public sector banks by disinvesting in RBI: Right and wrong
The Economic Survey 2015-16 put forth the argument that the Government of India could reduce its capital in the RBI from its current large level and use it to increase its capital in public sector ban...
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Gurbachan Singh
09 May, 2016
- Perspectives
Achieving financial inclusion: Going cashless
A World Bank survey reveals that while about half of all individuals in India had bank accounts in 2014, only 12% had made a cashless transaction in the past year. In this article, Bappaditya Mukhopa...
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Bappaditya Mukhopadhyay
06 April, 2016
- Perspectives
How doorstep banking increased savings and income in Sri Lanka
Recent findings in development economics indicate that microloans are likely to perform best when accompanied by financial education, insurance, and savings products. This column presents evidence fro...
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Michael Callen
Suresh de Mel
Craig McIntosh
Christopher Woodruff
30 March, 2016
- Articles
When higher volatility is good news
Conventional wisdom suggests that access to financial services such as banks and bond markets, providing savings and borrowing instruments, allows smoothing consumption over lifetime, irrespective of...
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Rudrani Bhattacharya
Ila Patnaik
16 December, 2015
- Articles
Transforming Indian agriculture: The role of credit policy
Despite various policy attempts at priority sector lending to poor farmers, very little progress has been made on the ground, suggesting problems in the design and implementation of these policies. I...
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Amartya Lahiri
Dilip Mookherjee
14 December, 2015
- Perspectives
Cash to cashless
The RBI is in discussion with the government on ways to reduce cash usage in the economy and to promote the use of cashless instruments. This column presents results from a study that estimates the e...
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Bappaditya Mukhopadhyay
30 November, 2015
- Articles
Are banks responsive to credit demand shocks in rural India?
The output of Kharif crops is estimated to decrease by about 2% this year due to deficient monsoon rains in some Indian states. How responsive are commercial banks to a credit demand shock in rural I...
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Sankar De
05 October, 2015
- Articles
Emergence of Bandhan as a bank: A new era in the Indian banking industry
At a time when the Indian banking industry is experiencing a steep rise in bad loans, Bandhan – an MFI with a near 100% loan recovery rate – has converted into a bank. Based on a survey of 112 Bandha...
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Somdutta Basu
Souvik Dutta
Abhirup Sarkar
27 August, 2015
- Articles