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Money & Finance

Budget 2021-22: Case for a ‘bad bank’

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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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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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Socially disadvantaged groups and microfinance in India

The benefits of microfinance are in the details. This column takes a look at lending by commercial banks in India to self-help groups – smaller, informal community-based groups – as a new and succ...

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The Indian banking system: A ticking time bomb

In response to RBI’s call to accelerate the recognition of stressed assets, publicly traded banks in India added nearly Rs. 1 trillion in bad loans in the quarter ending December 2015. In this arti...

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Recapitalising public sector banks by disinvesting in RBI: Right and wrong

The Economic Survey 2015-16 put forth the argument that the Government of India could reduce its capital in the RBI from its current large level and use it to increase its capital in public sector ban...

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Achieving financial inclusion: Going cashless

A World Bank survey reveals that while about half of all individuals in India had bank accounts in 2014, only 12% had made a cashless transaction in the past year. In this article, Bappaditya Mukhopa...

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How doorstep banking increased savings and income in Sri Lanka

Recent findings in development economics indicate that microloans are likely to perform best when accompanied by financial education, insurance, and savings products. This column presents evidence fro...

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Increasing economic divide within backward castes

While the high level of socioeconomic inequality between the forward and backward caste groups in India is well documented, there is little research on inequalities within the backward caste groups. T...

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Financial inclusion for the poor: Using RCTs for effective programme design

While the Pradhan Mantri Jan Dhan Yojana – the Indian government’s flagship financial inclusion scheme - is impressive in its mission, it does not seem to have achieved meaningful results so far....

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When higher volatility is good news

Conventional wisdom suggests that access to financial services such as banks and bond markets, providing savings and borrowing instruments, allows smoothing consumption over lifetime, irrespective of...

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Cash to cashless

The RBI is in discussion with the government on ways to reduce cash usage in the economy and to promote the use of cashless instruments. This column presents results from a study that estimates the e...

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JAM and the pursuit of nirvana

The Finance Ministry is proposing to roll all subsidies into a single, lump-sum cash transfer to households, on the back of the JAM (Jan Dhan Yojana, Aadhaar, Mobile numbers) trinity. In this article,...

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Foreign currency borrowing by Indian firms: What do we know?

As foreign currency borrowing by Indian firms has been increasing, concerns have surfaced about rising associated risks. Hence, recent policy changes seeking to make the regulatory regime simpler and...

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Are banks responsive to credit demand shocks in rural India?

The output of Kharif crops is estimated to decrease by about 2% this year due to deficient monsoon rains in some Indian states. How responsive are commercial banks to a credit demand shock in rural I...

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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...

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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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