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
‘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
Effect of conflict on bank lending: Evidence from Indian border areas
Conflict can affect economic outcomes through the decisions of key individuals. This article studies the effect of repeated incidents of shellingacross the India-Pakistan border, on loan officers work...
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Mrinal Mishra
Steven Ongena
28 July, 2020
- Articles
Productivity growth in Indian banking: Who gained?
Since the deregulation and privatisation reforms of the early 1990s, Indian banking has witnessed many significant changes. This article finds that the sector experienced steady productivity growth un...
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Rajeswari Sengupta
Harsh Vardhan
07 July, 2020
- Articles
Covid-19 and debt moratorium conundrum: The case of microfinance
Given the extent of liquidity shock caused by Covid-19, the Reserve Bank of India enabled all lending institutions to provide their borrowers with a repayment moratorium on term loans until 31 Augus...
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Giorgia Barboni
Misha Sharma
02 July, 2020
- Perspectives
Covid-19: Right opportunity to strengthen the Insolvency and Bankruptcy code
The government has recently exempted all Covid-related debts from the definition of default, and stalled the invocation of Insolvency and Bankruptcy Code (IBC), 2016 for one year, to allow ailing ente...
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K. Srinivasa Rao
11 June, 2020
- Perspectives
How microfinance can help entrepreneurs escape the poverty trap
The idea of poverty traps being important for microenterprises is captured in the adage “it takes money to make money”. This article reports on a study following households in India exposed to dif...
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Abhijit Banerjee
Emily Breza
Esther Duflo
Cynthia Kinnan
15 May, 2020
- Articles
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
Yes Bank: The anatomy of a crisis
The string of frauds and failures unearthed in recent years in the Indian banking sector indicate weaknesses in banking supervision. In this post, Pandey and Priyadarshini argue that the Reserve Bank ...
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Radhika Pandey
D. Priyadarshini
23 March, 2020
- Perspectives
Using intermediaries to deliver credit
Communities are monitoring service providers, and local governments are delivering development and welfare programmes in developing countries. This article indicates the potential value of enlarging t...
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Pushkar Maitra
Sandip Mitra
Dilip Mookherjee
Sujata Visaria
02 March, 2020
- Articles
The missing women in finance
Women comprise a very small proportion of the financial industry workforce, and this has implications on the way female clients use and benefit from financial services. This article discusses if the f...
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Renana Jhabvala
Soumya Kapoor Mehta
Sonal Sharma
13 December, 2019
- Articles
Raising coverage under deposit insurance: A soft option
Indian Parliament is expected to legislate on a rise in the amount of insurance for bank deposits from Rs. 100,000 to possibly Rs. 500,000 in its ongoing winter session. In this post, Gurbachan Singh ...
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Gurbachan Singh
02 December, 2019
- Perspectives
Lessons from the PMC Bank fiasco
In September, Reserve Bank of India (RBI) had to impose restrictions on Punjab and Maharashtra Co-operative Bank (PMCB) as the latter was found to be involved in a mega loan fraud. RBI has taken steps...
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K. Srinivasa Rao
06 November, 2019
- Perspectives
Approaches to regulation of cryptocurrencies
In June, Facebook announced its plan to create a global, private cryptocurrency, backed by a reserve of assets and held by a network of reputed companies. In the backdrop of changing dynamics of crypt...
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Radhika Pandey
D. Priyadarshini
Raghunath Seshadri
31 October, 2019
- 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...
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
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...
Vaibhav Anand
Rajeswari Sengupta
19 May, 2014
- Articles