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Money & Finance

Do commodity derivatives suspensions rein in food price inflation?

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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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When is corporate debt a threat to macroeconomic stability?

Since the 2007-08 Global Financial Crisis, policymakers have focused on household debt as the primary risk factor for macroeconomic stability. Should they be similarly worried about corporate debt? Ba...

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WazirX: Socialisation of losses and need for financial regulation

The cryptocurrency exchange WazirX recently faced a security breach resulting in huge losses for its users. In this post, Nipuna Varman evaluates the ‘loss socialisation’ recovery plan that was in...

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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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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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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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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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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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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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What ails the Indian banking sector?

Non-performing assets (NPAs) of Indian banks have risen from under 3% to over 13% in the past couple of years, making the state of the banking sector one of the biggest challenges facing the country i...

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Measuring the equilibrium impacts of credit: Evidence from India’s 2010 microfinance crisis

In October 2010, the government of Andhra Pradesh issued an emergency ordinance, bringing microfinance activities in the state to a complete halt and causing a nationwide shock to the liquidity of len...

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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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The cycle of debt among vendors in India and the Philippines

Many street vendors rely on daily or weekly loans from moneylenders to finance working capital. Given the high interest rates, why do they not use a little bit of each day’s earnings to buy working ...

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Jindal School of Government and Public Policy

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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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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...

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