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Money & Finance

Stability at the cost of growth? Rethinking liquidity rules in India’s banking sector

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How Atal Pension Yojana is helping Indians save for retirement

Government of India’s contributory pension scheme, Atal Pension Yojana, encourages citizens to save for retirement. This study finds that APY not only provides a basic pension, but also promotes bro...

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The State within India’s corporate bond market

The value of gross issuances in India’s corporate bond market has grown by 150% over the past decade. In this post, Harsh Vardhan contends that while the market has become bigger, reforms are needed...

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Finance for small-firm growth: Towards flexibility and innovation

While microfinance contract innovations like repayment grace periods help small-firm owners, they can increase default rates for microfinance institutions. Based on field experiments in Pakistan and K...

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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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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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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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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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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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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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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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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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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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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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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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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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Recent Contributors

Sunil

Sunil Mani

CDS and Ahmedabad University

Nirupama

Nirupama Kulkarni

CAFRAL

Yogeshwar

Yogeshwar Bharat

CAFRAL

Subhadeep

Subhadeep Halder

Indian Statistical Institute, Delhi

Sameedh

Sameedh Sharma

King's College London

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Debasis Rooj

FLAME University

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Reshmi Sengupta

FLAME University

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Harsh Vardhan

Management Consultant and Researcher

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Most Popular Money & Finance Posts

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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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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RBI’s costly experiments with the currency

During 2023-2024, the average annual volatility of the rupee-dollar exchange rate was 1.8% – the lowest in over two decades. In this post, Patnaik, Pandey and Sengupta explain why sudden and sharp l...

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