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Money & Finance

Budget 2021-22: Case for a ‘bad bank’

  • Perspectives

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 ...

  • 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 ...

  • 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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Caste and credit: Not such a woeful tale?

Caste is an enduring predictor of economic status in India and caste-based discrimination continues to pervade several spheres of life. What about rural lending? This column suggests that most caste-w...

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Stock market participation in the aftermath of an accounting scandal

An emerging literature shows that exposure of fraud in the corporate sector leads to a fall in trust on part of households and decline in their stock market participation. Analysing data on daily inv...

  • Articles

Financial inclusion: Concepts, issues, and policies for India

The International Growth Centre recently brought out a synthesis paper (Singh 2017) that lays out the basic concepts surrounding financial inclusion, and reviews a wide range of IGC and other studies ...

  • Perspectives

Post demonetisation: Is digital finance in India's future?

Analysing RBI data from June 2017 – six months after demonetisation was announced on 9 November 2016 – Mukherjee and Wadhwa show that reliance on cash has reverted to pre-demonetisation levels, an...

  • Perspectives

Towards financial prescription

The Securities and Exchange Board of India has proposed that the distributors of mutual funds should only be allowed to sell financial products and not act as financial advisers for customers. Drawing...

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Bank financing of stressed firms

There is anecdotal evidence that banks in India have been extending credit to highly distressed firms. By delaying recognition of bad loans, banks may improve their own profitability in the short run...

  • Articles

Strategy for dealing with the banking crisis

To deal with India’s banking crisis, Prof. Ajay Shah of NIPFP recommends a two-pronged strategy – more financing for firms, and RBI reforms.

  • Perspectives

The size of personal bank credit in India

In May 2016, the Insolvency and Bankruptcy Code law was passed by Indian Parliament and received presidential assent. The law consists of provisions for both corporate and personal insolvency. However...

  • Articles

Has regulatory intervention been effective in maintaining stability of Indian banks?

To address the challenges that Indian corporates faced in the early 2000s in meeting their debt-servicing obligations to banks/financial institutions, RBI introduced a corporate debt restructuring pro...

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A five-minute loan to unlock micro-entrepreneurship in India

Micro-entrepreneurs are grossly underserved by traditional lenders, as they typically do not have collateral or credit histories to make them creditworthy. In this article, Pande, Memon and Goyal of ...

  • Notes from the Field

Aadhaar, demonetisation, and the poor

There is a view that an Aadhaar-centred apparatus of digital inclusion can shield the poor from the problematic effects of demonetisation. In this article, Silvia Masiero argues that constraints of t...

  • Perspectives

Assessing the impact of demonetisation through the gender lens

In this article, Mitali Nikore, Senior Consultant at PwC India, highlights how demonetisation is impacting women differentially, and offers policy suggestions on how the negative effects can be mitig...

  • Perspectives

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Rajeswari Sengupta

Indira Gandhi Institute of Development Research

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Harsh Vardhan

SP Jain Institute of Management and Research

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Ideas for India

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University of Virginia

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Federal Reserve Board

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Most Popular Money & Finance Posts

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...

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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...

  • 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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