22 February, 2021‘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
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 ...
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Rajeswari Sengupta Harsh Vardhan
- 06 April, 2020
- 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
Helping the poor to save
Do poor people save? This column portrays the saving and financial behaviours and preferences of the poor. It recommends designing and marketing savings products that address the constraints they curr...
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Parul Agarwal Deepti KC Mudita Tiwari
- 23 January, 2013
- Articles
Helping India's informal manufacturing sector to grow
India’s informal manufacturing sector is dominated by small household enterprises that keep everything within the family – but these firms are often the least productive. Why aren’t these small ...
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Kunal Sen
- 09 January, 2013
- Articles
How Important are credit constraints for small firm growth?
This project focusses on the role of financial constraints in determining the lack of transition of firms from the very small family firms (OAMEs) which are the predominant type of firms in the inform...
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Kunal Sen
- 01 December, 2012
- IGC Research on India
Formally insuring the informally insured
Rainfall is critical for the livelihoods of millions of Indians – yet many have no formal insurance if the rains fail. This column looks at what happens when a new formal insurance policy based on t...
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Mushfiq Mobarak
- 16 November, 2012
- Articles
Microfinance and predatory lending: The same old story?
Once hailed as a near-miraculous way of lending money to the poor, microfinance is now often seen as exploitation – and governments are stepping in. This column looks at another point in India’s h...
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Latika Chaudhury Anand Swamy
- 19 October, 2012
- Articles
Financial Intermediation and Economic Growth in Bihar: A District-Level Analysis
The aim of the project was to assess the effectiveness of the banking sector's contribution to the overall development in Bihar. In a nutshell, the study tries to understand the efficiency of the bank...
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Sanjay Banerji Krishna Gangopadhyay Sushanta Mallick
- 18 July, 2012
- IGC Research on India
Note on Reserve Currencies
This project examines the likelihood that the current reserve currencies will retain their status in the near future, given the persistence in the composition of reserve holdings. However, due to pauc...
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Menzie Chinn
- 01 April, 2012
- IGC Research on India
Role of Derivatives in India's Financial Development
The annals of financial history are littered with stories of corporations and financial institutions which collapsed when a deterioration in market conditions led to massive losses in the derivatives ...
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Rangarajan K. Sundaram
- 01 April, 2012
- IGC Research on India
Household Finance in India
How does mortgage regulation influence the structure and performance of housing finance? This project answers the question by analysing administrative data on over 1.2 million loans originated by an I...
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John Campbell Tarun Ramadorai
- 31 March, 2012
- IGC Research on India
Selling Formal Insurance to the Informally Insured
Agricultural activity is inherently risky, and smoothing consumption across years or seasons is a significant challenge for agrarian households in developing countries.
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Mushfiq Mobarak Mark Rosenzweig
- 01 November, 2011
- IGC Research on India
State Ownership and Systemic Risk: Evidence from the Indian Financial Sector During 2007-09
The study analyses the performance of banks in India during 2007-09 in order to study the impact of ownership structure on bank vulnerability to a crisis.
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Viral Acharya Nirupama Kulkarni
- 01 April, 2011
- IGC Research on India
Improving Access to Finance for Entrepreneurs in Developing Countries
One of the most important issues in developing countries is how to finance small and medium enterprises (SMEs). Although microcredit and new forms of financial inclusion are increasingly prominent in ...
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Shawn Cole Leora Klapper
- 31 March, 2011
- IGC Research on India
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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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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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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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