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Covid-19 and debt moratorium conundrum: The case of microfinance

Given the extent of liquidity shock caused by Covid-19, the Reserve Bank of India enabled all lending institutions to provide their borrowers with a repayment moratorium on term loans until 31 Augus...

  • Perspectives

Productivity growth in Indian banking: Who gained?

Since the deregulation and privatisation reforms of the early 1990s, Indian banking has witnessed many significant changes. This article finds that the sector experienced steady productivity growth un...

  • Articles

Effect of conflict on bank lending: Evidence from Indian border areas

Conflict can affect economic outcomes through the decisions of key individuals. This article studies the effect of repeated incidents of shellingacross the India-Pakistan border, on loan officers work...

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Achieving the target of complete financial inclusion in India through fintech

A significant number of people in India remain outside the purview of the formal financial system. Use of financial echnologies can help address the gaps in financial inclusion left by the traditional...

  • Perspectives

Unearthing “zombies” in the Indian corporate sector

The secular rise of "zombie" borrowers – insolvent firms sustained by continued extension of credit by complicit banks – is a source of concern as these firms tie up productive workers and capital...

  • Articles

Effect of conflict on bank lending: Evidence from Indian border areas

Conflict can affect economic outcomes through the decisions of key individuals. This article studies the effect of repeated incidents of shellingacross the India-Pakistan border, on loan officers work...

  • Articles

Productivity growth in Indian banking: Who gained?

Since the deregulation and privatisation reforms of the early 1990s, Indian banking has witnessed many significant changes. This article finds that the sector experienced steady productivity growth un...

  • Articles

Covid-19 and debt moratorium conundrum: The case of microfinance

Given the extent of liquidity shock caused by Covid-19, the Reserve Bank of India enabled all lending institutions to provide their borrowers with a repayment moratorium on term loans until 31 Augus...

  • Perspectives

Covid-19: Right opportunity to strengthen the Insolvency and Bankruptcy code

The government has recently exempted all Covid-related debts from the definition of default, and stalled the invocation of Insolvency and Bankruptcy Code (IBC), 2016 for one year, to allow ailing ente...

  • Perspectives

How microfinance can help entrepreneurs escape the poverty trap

The idea of poverty traps being important for microenterprises is captured in the adage “it takes money to make money”. This article reports on a study following households in India exposed to dif...

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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 ...

  • 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 ...

  • 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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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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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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Arindam

Arindam Sarkar

Reserve Bank of India

Onkar Shivraj

Onkar Shivraj Swami

Reserve Bank of India

Britta

Britta Augsburg

Institute for Fiscal Studies

Alex

Alex Armand

Nova School of Business and Economics

Antonella

Antonella Bancalari

Institute for Fiscal Studies

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Katherine Waldock

Georgetown University

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Siddharth Vij

University of Georgia

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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...

  • Perspectives

Corporate debt market in India: Issues and challenges

While it is true that the Indian corporate debt market has transformed itself into a much more vibrant trading field for debt instruments from the elementary market that it was about a decade ago, th...

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Explainer: India’s payments banks

In August 2015, the RBI issued in-principle licences to 11 entities to establish payments banks in India – a unique format of banking which has not been used anywhere else in the world. Fully based ...

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