31 March, 2023How do RBI’s actions (and words) affect financial markets?
Financial markets in developed countries are known to react substantially to monetary shocks, that is, surprise changes in policy rates announced by the central bank. Based on a narrative analysis of ...
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Aeimit Lakdawala Rajeswari Sengupta 
09 March, 2022
- Articles
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
Not exactly bad news: Fed tightening cycle’s implications for emerging markets
The conventional perception, that US Federal Reserve rate hikes necessarily imply capital outflows from emerging markets, is an incomplete assessment. This article disaggregates Fed hikes’ effects o...
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Gabriele Ciminelli John Rogers Wenbin Wu
- 15 June, 2022
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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
How banking crisis is impeding India’s economy
The amount of non-performing assets (NPAs) in India’s banking sector has skyrocketed in the last five years. It has been accompanied by a sharp decline in investment growth, and a significant econom...
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Rajeswari Sengupta Harsh Vardhan
- 11 October, 2019
- Perspectives
I4I Panel Discussion: Financing development in India
I4I recently organised a panel discussion on ‘Financing Development in India’ with Prachi Mishra (Goldman Sachs), Andy Mukherjee (Bloomberg), and Ananth Narayan (SPJIMR). The discussion was modera...
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Nalini Gulati
- 03 October, 2019
- Videos
Linking lending rates to external benchmark: Challenges and opportunities for banks
The Reserve Bank of India has made it mandatory for banks to link all new floating-rate personal, retail loans, along with loans to micro, small and medium enterprises to an external benchmark-based i...
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K. Srinivasa Rao
- 25 September, 2019
- Perspectives
Would RBI fund transfer weaken government's financial position?
The Reserve Bank of India (RBI) recently decided to transfer Rs. 1.76 trillion to the Government of India (GOI). If the RBI has inadequate capital, then it should not transfer funds to the GOI. But ev...
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Gurbachan Singh
- 02 September, 2019
- Perspectives
Can the microcredit model be improved?
Microcredit is frequently touted as an effective policy tool to fight global poverty. However, studies suggest that the long-term impact on recipients’ lives is limited. In this post, Mushfiq Mobara...
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Vikas Dimble Mushfiq Mobarak
- 21 August, 2019
- Articles
Amalgamation of public sector banks: The task ahead
The central government has proposed amalgamation of three public sector banks (PSBs), the first stage of which has been completed. This strategic move is touted to be the beginning of transformation o...
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K. Srinivasa Rao
- 26 November, 2018
- 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
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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...
- 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