18 July, 2022International financial architecture and emerging economies
Policy responses to Covid-19 have been a mix of fiscal and monetary policy – with the latter doing the heavy-lifting in both developed and developing countries. Against this backdrop, in this editio...
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Viral Acharya Amartya Lahiri 
05 April, 2022
- Podcasts
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...
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Rajeswari Sengupta Harsh Vardhan
- 15 November, 2021
- Perspectives
How do RBI’s actions (and words) affect financial markets?
Financial markets in developed countries are known to react substantially to monetary shocks, that is, surprise changes in policy rates announced by the central bank. Based on a narrative analysis of ...
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Aeimit Lakdawala Rajeswari Sengupta
- 09 March, 2022
- Articles
Socially disadvantaged groups and microfinance in India
The benefits of microfinance are in the details. This column takes a look at lending by commercial banks in India to self-help groups – smaller, informal community-based groups – as a new and succ...
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Jean-Marie Baland Rohini Somanathan Lore Vandewalle
- 16 May, 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 arti...
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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
Increasing economic divide within backward castes
While the high level of socioeconomic inequality between the forward and backward caste groups in India is well documented, there is little research on inequalities within the backward caste groups. T...
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Ashish Singh
- 28 March, 2016
- Articles
Financial inclusion for the poor: Using RCTs for effective programme design
While the Pradhan Mantri Jan Dhan Yojana – the Indian government’s flagship financial inclusion scheme - is impressive in its mission, it does not seem to have achieved meaningful results so far....
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Ruchira Bhattamishra
- 06 January, 2016
- Perspectives
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
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
JAM and the pursuit of nirvana
The Finance Ministry is proposing to roll all subsidies into a single, lump-sum cash transfer to households, on the back of the JAM (Jan Dhan Yojana, Aadhaar, Mobile numbers) trinity. In this article,...
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Jean Drèze
- 13 November, 2015
- Perspectives
Foreign currency borrowing by Indian firms: What do we know?
As foreign currency borrowing by Indian firms has been increasing, concerns have surfaced about rising associated risks. Hence, recent policy changes seeking to make the regulatory regime simpler and...
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Ila Patnaik Ajay Shah Nirvikar Singh
- 09 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
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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...
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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...
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