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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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A monetary economics view of the demonetisation

The demonetised Rs. 1,000 and 500 notes were 86% of the total volume of cash in India. In this article, Ajay Shah, Professor at NIPFP, argues that if a significant scale of firm failure were to come a...

  • Perspectives

Going cashless but thinking cash?

In this article, Bappaditya Mukhopadhyay, Professor of Economics and Finance at the Great Lakes Institute of Management, contends that switching from a predominantly cash-based to cashless economy nee...

  • Perspectives

Picking up the pieces

In an earlier article , Pronab Sen, Country Director, IGC India Central, examined some of the economic consequences of the recent demonetisation of Rs. 1,000 and 500 notes in India, and concluded that...

  • Perspectives

Policymaking in the ‘grey zone’

Prerna Mukharya, Founder of Outline India – a social enterprise that focuses on data collection, impact assessments and evaluation studies, predominantly working with rural populations in remote are...

  • Notes from the Field

Currency shock: Does the gain justify the strain?

On the evening of 8 November, PM Modi announced that 1,000 and 500 rupee notes will cease to be legal tender post-midnight. In this article, Parikshit Ghosh, Associate Professor of Economics at the D...

  • Perspectives

Kisan Credit Card programme: Expanded access to credit or expansion of credit?

Kisan Credit Card programme - a key reform in agricultural lending in India - has been operational for almost 20 years now. However, there is little empirical evidence of its impact on intended benefi...

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Assessing the impact of listing on access to finance for small and medium enterprises

Small and medium enterprises are globally viewed as an engine of economic growth. However, growth in this sector is often limited by access to external finance due, in part, to SMEs being informationa...

  • IGC Research on India

Public sector banks: The more things change, the more they stay the same

Banks Board Bureau has been set up to help the government appoint heads of public sector banks (PSBs) and to advise on important issues in banking. In this article, Gurbachan Singh asks basic question...

  • Perspectives

Land and financial misallocation in India

Optimising the allocation of factors of production – land, capital and labour - improves productivity. In India, where evidence suggests land is severely misallocated to inefficient manufacturing fi...

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Access to credit and female labour supply in India

While microfinance is believed to have the potential to increase female labour force participation, short-term experimental evaluations of microfinance have not found significant economic benefits for...

  • IGC Research on India

Are small and medium enterprises constrained by the inability to raise funds from the equity markets? Evidence from the creation of a new platform in

Small and medium enterprises employ 40% of India’s workforce, and account for 45% of the manufacturing output and 40% of the total exports of the country. However, productivity in the sector is very...

  • IGC Research on India

How do disclosures affect financial choices? The case of life insurance in India

Given the importance of insurance, and the regulatory push towards improved disclosures.

  • IGC Research on India

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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...

  • 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...

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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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