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
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
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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Sunil Mitra Kumar
Ragupathy Venkatachalam
11 September, 2017
- Articles
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...
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Renuka Sane
30 August, 2017
- 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 ...
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Nalini Gulati
Nirvikar Singh
17 August, 2017
- 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...
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Anit Mukherjee
Divyanshi Wadhwa
16 August, 2017
- 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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Gurbachan Singh
24 July, 2017
- Perspectives
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...
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Rajeswari Sengupta
Anjali Sharma
07 June, 2017
- 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.
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Ajay Shah
17 May, 2017
- 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...
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Renuka Sane
Anjali Sharma
10 May, 2017
- 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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Mostak Ahamed
Sushanta Mallick
06 February, 2017
- Articles
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 ...
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Vibhor Goyal
Niloufer Memon
Varad Pande
11 January, 2017
- 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...
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Silvia Masiero
09 January, 2017
- 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...
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Mitali Nikore
04 January, 2017
- Perspectives
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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
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
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