14 July, 2023UPI: A game changer towards achieving a cashless economy
Since the launch of the Unified Payment Interface (UPI), the volume of digital transactions in India has increased exponentially over the last few years. Shamim Ara highlights the trends in the expans...
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Shamim Ara 
22 May, 2023
- Perspectives
The post-pandemic credit landscape in India
The economic shock caused by the Covid-19 pandemic and longstanding structural issues like the NPA crisis with its associated risk aversion in the banking sector resulted in low bank credit growth in...
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Rajeswari Sengupta Harsh Vardhan
- 08 May, 2023
- Articles
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
Financial inclusion of women: Myth or reality?
Research indicates that initiatives targeted at financial inclusion of women have had limited success. This column contends that limited formal ownership of material assets by women and a lack of und...
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Deepti KC Mudita Tiwari
- 04 July, 2014
- Articles
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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Vaibhav Anand Rajeswari Sengupta
- 19 May, 2014
- Articles
Estimating losses to consumers due to mis-sold life insurance policies
Mis-selling of financial products has prompted regulators in India to work on consumer protection in financial markets. However, evidence on actual mechanisms and extent of mis-selling is lacking. Th...
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Monika Halan Renuka Sane Susan Thomas
- 19 February, 2014
- Articles
Changing dynamics of the Indian gold market
The demand for gold and its import have been on the rise in India, despite rising gold prices. The RBI has responded by introducing various measures to curb the demand for gold and gold loans. This co...
- 13 January, 2014
- Articles
What is mitigating a financial crisis in India?
The recent turmoil in the currency market and the general slowdown in growth in India are disturbing. However, India has by and large performed better in terms of macro-financial stability as compared...
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Gurbachan Singh
- 08 November, 2013
- Articles
Foreign investors under stress: Evidence from India
Emerging market policymakers are concerned about the effects of foreign portfolio flows on financial stability. This column focuses on the behaviour of investors in extreme events, allowing for the po...
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Ila Patnaik Ajay Shah Nirvikar Singh
- 19 July, 2013
- Articles
A right time for inflation-indexed bonds?
While the introduction of inflation-indexed bonds in India has been hailed by many as a step in the right direction, this column argues that their success will depend on how serious the government is ...
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Viral Acharya Gangadhar Darbha
- 07 June, 2013
- Perspectives
The market for inflation-indexed bonds
On 15 May 2013, the Reserve Bank of India announced that it would begin monthly issues of inflation-indexed bonds starting June 2013. These bonds, wherein in the principal amount adjusts according to ...
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Gurbachan Singh
- 31 May, 2013
- Articles
The Chit fund crisis: Should not put all financial intermediaries in the same bracket
The government has announced a bailout package for the participants of unregulated saving schemes that have been put at risk by the current Chit fund crisis in West Bengal. In this article, Banerjee ...
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Abhijit Banerjee Maitreesh Ghatak
- 03 May, 2013
- Perspectives
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
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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
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...
- Rajeswari Sengupta Harsh Vardhan
- 15 November, 2021
- Perspectives