31 March, 2023How 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
A decade of credit collapse in India
The government and the Central Bank have undertaken various measures to protect the banking and finance sector from the adverse impact of the Covid-19 crisis. However, despite historically low interes...
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Harsh Vardhan
- 25 June, 2021
- Perspectives
Not exactly bad news: Fed tightening cycle’s implications for emerging markets
The conventional perception, that US Federal Reserve rate hikes necessarily imply capital outflows from emerging markets, is an incomplete assessment. This article disaggregates Fed hikes’ effects o...
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Gabriele Ciminelli John Rogers Wenbin Wu
- 15 June, 2022
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Mind the tone: Text analysis of Monetary Policy Committee statements
Government of India appoints three external members on the six-member Monetary Policy Committee, and the statements of all MPC members are released after every committee meeting. Based on data from 30...
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Vidya Mahambare Jalaj Pathak
- 31 January, 2022
- Articles
Evaluating the risks in opening up the banking sector
The RBI (Reserve Bank of India) has accepted some of the key recommendations of the Internal Working Group (IWG) to Review Extant Ownership Guidelines and Corporate Structure for Indian Private Sector...
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K. Srinivasa Rao
- 14 January, 2022
- 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...
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Rajeswari Sengupta Harsh Vardhan
- 15 November, 2021
- Perspectives
Credit risk management policies of banks: A new approach
Despite increasing robustness of banks and multipurpose liquidity provided by the Reserve Bank of India, there is no perceptible improvement in credit growth. K. Srinivasa Rao proposes a new approach ...
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K. Srinivasa Rao
- 22 October, 2021
- Perspectives
Impact of information disclosure on consumer behaviour: The case of high-risk bonds
In April 2021, Yes Bank was fined by India’s market regulator for inadequate information disclosure – high-risk bonds were mis-sold to high net-worth investors without accurately informing them ab...
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Niyati Agrawal Monami Dasgupta Monika Halan Misha Sharma Madhu Srinivas
- 09 August, 2021
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‘Consumerisation’ of banking in India: Cyclical or structural?
Over the past decade, India’s banking sector has undergone a transformation in terms of the proportion of credit extended to consumers and industry – with consumer credit now accounting for a larg...
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Rajeswari Sengupta Harsh Vardhan
- 23 July, 2021
- Perspectives
A decade of credit collapse in India
The government and the Central Bank have undertaken various measures to protect the banking and finance sector from the adverse impact of the Covid-19 crisis. However, despite historically low interes...
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Harsh Vardhan
- 25 June, 2021
- Perspectives
Strengthening risk-management capabilities in the financial sector
Non-banking financial companies are rapidly inundating the financial intermediation space. While this trend has enabled greater autonomy in operations and business diversification, it has also accentu...
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K. Srinivasa Rao
- 07 June, 2021
- Perspectives
Are moneylenders financial intermediaries?
A majority of borrowing in rural households in developing countries is from informal lenders. This article examines the relationship between these informal lenders and banks in rural India, from the e...
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Vaishnavi Surendra
- 24 March, 2021
- Articles
‘Bad bank’: A good idea in bad times
Commenting on the ‘bad bank’ proposal of the 2021-22 Union Budget, K Srinivasa Rao contends that the bad bank is a good idea in bad times – as a transitory solution with defined timelines – bu...
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K. Srinivasa Rao
- 12 March, 2021
- Perspectives
Budget 2021-22: Case for a ‘bad bank’
A key announcement in the 2021-22 Union Budget is the formation of a ‘bad bank’, to better manage the problem of non-performing assets in the financial services ecosystem. In this post, Ananth Na...
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Ananth Narayan
- 22 February, 2021
- Perspectives
Covid-19 crisis: How policy can revive lending appetite among banks
Amid the economic crisis triggered by the Covid-19 pandemic, the expected surge in non-performing assets and its potential impact on the fragile capital base of banks, is alarming. In this post, Srini...
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K. Srinivasa Rao
- 09 November, 2020
- Perspectives
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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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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...
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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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