UPI: 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...
- 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...
- 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...
- Barna Ganguli Bakshi Amit Kumar Sinha
- 13 February, 2024
- 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
Credit risk management policies of banks: A new approach
Despite increasing robustness of banks and multipurpose liquidity provided by the Reserve Bank of India, there is no perceptible improvement in credit growth. K. Srinivasa Rao proposes a new approach ...
- K. Srinivasa Rao
- 22 October, 2021
- Perspectives
Impact of information disclosure on consumer behaviour: The case of high-risk bonds
In April 2021, Yes Bank was fined by India’s market regulator for inadequate information disclosure – high-risk bonds were mis-sold to high net-worth investors without accurately informing them ab...
- Niyati Agrawal Monami Dasgupta Monika Halan Misha Sharma Madhu Srinivas
- 09 August, 2021
- Articles
‘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...
- 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...
- Harsh Vardhan
- 25 June, 2021
- Perspectives
Strengthening risk-management capabilities in the financial sector
Non-banking financial companies are rapidly inundating the financial intermediation space. While this trend has enabled greater autonomy in operations and business diversification, it has also accentu...
- K. Srinivasa Rao
- 07 June, 2021
- 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...
- Vaishnavi Surendra
- 24 March, 2021
- Articles
‘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...
- K. Srinivasa Rao
- 12 March, 2021
- Perspectives
Budget 2021-22: Case for a ‘bad bank’
A key announcement in the 2021-22 Union Budget is the formation of a ‘bad bank’, to better manage the problem of non-performing assets in the financial services ecosystem. In this post, Ananth Na...
- Ananth Narayan
- 22 February, 2021
- Perspectives
Covid-19 crisis: How policy can revive lending appetite among banks
Amid the economic crisis triggered by the Covid-19 pandemic, the expected surge in non-performing assets and its potential impact on the fragile capital base of banks, is alarming. In this post, Srini...
- K. Srinivasa Rao
- 09 November, 2020
- Perspectives
Lead Bank Scheme: Does organisational design matter?
The Lead Bank Scheme of the RBI involves a ‘lead bank’ in each district of India that coordinates financial services in the district, and a ‘convenor bank’ in each state that monitors these ac...
- Samarth Gupta
- 26 October, 2020
- Articles
Going beyond passive investing in the stock market
Investing in the stock market through passive funds is now becoming popular in India. This is, broadly speaking, a positive development. However, Gurbachan Singh contends that we need to go well beyon...
- Gurbachan Singh
- 09 September, 2020
- 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
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