How Atal Pension Yojana is helping Indians save for retirement
Government of India’s contributory pension scheme, Atal Pension Yojana, encourages citizens to save for retirement. This study finds that APY not only provides a basic pension, but also promotes bro...
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Debasis Rooj
Reshmi Sengupta
11 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
Finance for small-firm growth: Towards flexibility and innovation
While microfinance contract innovations like repayment grace periods help small-firm owners, they can increase default rates for microfinance institutions. Based on field experiments in Pakistan and K...
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Muhammad Meki
09 April, 2025
- Articles
WazirX: Socialisation of losses and need for financial regulation
The cryptocurrency exchange WazirX recently faced a security breach resulting in huge losses for its users. In this post, Nipuna Varman evaluates the ‘loss socialisation’ recovery plan that was in...
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Nipuna Varman
10 October, 2024
- Perspectives
How RBI’s macroprudential policies shape housing loan decisions
The recent surge in housing finance in India calls for a robust regulatory framework to ensure financial stability and avert overheating of the housing market. Using data on individual mortgage loans ...
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Debasis Rooj
Asish Saha
Reshmi Sengupta
27 September, 2024
- Articles
RBI’s extraterritorial influence on the rupee market
The emergence of the offshore non-deliverable forward market in the rupee has made it more challenging for the RBI to maintain exchange rate stability. In this post, Datta and Sengupta explain the dri...
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Pratik Datta
Rajeswari Sengupta
24 July, 2024
- Perspectives
India’s foreign reserves and global risk
India’s foreign exchange reserves, relative to GDP, have been on the rise. This article examines the motives behind the hoarding of reserves by central banks, and if adequate reserves are held for p...
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Chetan Ghate
Kenneth Kletzer
Mahima Yadav
12 July, 2024
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Green is good: Risk insights into Indian green stocks
While consistent financial flows towards climate resilience are crucial, there is a recent global trend of withdrawal of investment from ‘green assets’. Given the centrality of potential risk-adju...
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Gagari Chakrabarti
Chitrakalpa Sen
26 June, 2024
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Embracing the melody of dissent: A symphony in policymaking
In recent times, members of the Monetary Policy Committee of the Reserve Bank of India, have expressed views that are contrary to the MPC’s official stance. This article investigates the influence o...
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Unninarayanan Kurup
Rajendra N. Paramanik
Rounak Sil
24 June, 2024
- Articles
The silent reshaping of India’s credit landscape
India’s credit landscape has been undergoing major changes in recent years. In this post, Sengupta and Vardhan discuss five key trends – consumerisation of bank credit, decline in bank deposits, g...
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Rajeswari Sengupta
Harsh Vardhan
20 May, 2024
- Perspectives
Irrationality in financial decisions: A policy proposal
The high valuations of small- and mid-cap stocks in the Indian market seem indicative of irrational exuberance. In this context, Gurbachan Singh discusses the prevailing policy framework to deal with ...
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Gurbachan Singh
18 March, 2024
- Perspectives
16th Finance Commission: Towards vertical and horizontal balance
The recommendations of the recently constituted Sixteenth Finance Commission (FC16) will govern the sharing of revenues between the Union and states during 2026-2031. In this post, Ganguli and Sinha l...
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Barna Ganguli
Bakshi Amit Kumar Sinha
13 February, 2024
- Perspectives
Emergence of a private credit market in India
The last few years have seen the growth of a private credit market in India, which offers financing to small and mid-sized firms with a relatively high default risk. In this piece, Datta and Sengupta ...
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Pratik Datta
Rajeswari Sengupta
30 January, 2024
- Perspectives
A more focused RBI: Creating capacity to tackle ‘true’ market failure
Large, routine payments to the government by the public lead to liquidity crunch in the economy, necessitating interventions by the central bank. However, Gurbachan Singh argues that the RBI is better...
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Gurbachan Singh
10 January, 2024
- Perspectives
Debt markets’ response to mandatory corporate social responsibility
To examine the response of debt holders to the Mandatory Corporate Social Responsibility, this study by Jitendra Aswani looks at debt pricing for firms impacted by the Indian Companies Act 2013 and it...
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Jitendra Aswani
23 August, 2023
- 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