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
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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Kuntala Bandyopadhyay Saon Ray Vasundhara Thakur
- 31 August, 2020
- Articles
Using contract price to identify ‘right’ clients for flexible microfinance
While repayment flexibility in microfinance helps mitigate the impact of negative income shocks on MSMEs, it might increase default due to borrowers’ time-inconsistent or excessively risky behaviour...
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Giorgia Barboni Arjun Malhotra
- 27 August, 2020
- Articles
Achieving the target of complete financial inclusion in India through fintech
A significant number of people in India remain outside the purview of the formal financial system. Use of financial echnologies can help address the gaps in financial inclusion left by the traditional...
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Arindam Sarkar Onkar Shivraj Swami
- 07 August, 2020
- Perspectives
Unearthing “zombies” in the Indian corporate sector
The secular rise of "zombie" borrowers – insolvent firms sustained by continued extension of credit by complicit banks – is a source of concern as these firms tie up productive workers and capital...
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Nirupama Kulkarni S. K. Ritadhi Siddharth Vij Katherine Waldock
- 04 August, 2020
- Articles
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
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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