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Money & Finance

Budget 2021-22: Case for a ‘bad bank’

  • Perspectives

‘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...

  • 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 ...

  • 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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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...

  • 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 ...

  • 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...

  • 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...

  • 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...

  • 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...

  • 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...

  • 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 ...

  • 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...

  • 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.

  • 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.

  • 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 ...

  • IGC Research on India

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Koustav Majumdar

ActionAid Association, India

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Ideas for India

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Indian Institute of Technology Hyderabad

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Punarjit Roychowdhury

University of Nottingham

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University of Nevada, Las Vegas

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The University of Connecticut

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World Bank

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Innovations for Poverty Action

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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

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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