15 May, 2020Covid-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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Giorgia Barboni Misha Sharma 
02 July, 2020
- Perspectives
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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Rajeswari Sengupta Harsh Vardhan
- 07 July, 2020
- Articles
Effect of conflict on bank lending: Evidence from Indian border areas
Conflict can affect economic outcomes through the decisions of key individuals. This article studies the effect of repeated incidents of shellingacross the India-Pakistan border, on loan officers work...
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Mrinal Mishra Steven Ongena
- 28 July, 2020
- Articles
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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Ruchira Bhattamishra
- 06 January, 2016
- Perspectives
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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Rudrani Bhattacharya Ila Patnaik
- 16 December, 2015
- Articles
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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Bappaditya Mukhopadhyay
- 30 November, 2015
- Articles
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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Jean Drèze
- 13 November, 2015
- Perspectives
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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Ila Patnaik Ajay Shah Nirvikar Singh
- 09 November, 2015
- Articles
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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Sankar De
- 05 October, 2015
- Articles
Emergence of Bandhan as a bank: A new era in the Indian banking industry
At a time when the Indian banking industry is experiencing a steep rise in bad loans, Bandhan – an MFI with a near 100% loan recovery rate – has converted into a bank. Based on a survey of 112 Ba...
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Somdutta Basu Souvik Dutta Abhirup Sarkar
- 27 August, 2015
- Articles
Inclusive finance for inclusive growth: A gender perspective
While research has established that financial inclusion programmes lead to economic upliftment of poor families owing to the participation of women, the evidence on the impact of such programmes on w...
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Vigneshwara Swamy
- 31 July, 2015
- Articles
Foreign borrowing by Indian firms: Implications for growth and macroeconomic stability
This project analyses the pattern of external borrowing by Indian firms, an exercise that has as yet not been carried out. It identifies possible drivers of such borrowing.
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Ila Patnaik Ajay Shah Nirvikar Singh
- 30 June, 2015
- IGC Research on India
Reining in gold imports
In an attempt to reduce gold imports, the Indian government has proposed three new schemes – gold monetisation, sovereign gold bonds, and domestic production of branded gold coins. In this article,...
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Gurbachan Singh
- 12 June, 2015
- Perspectives
Barriers to basic banking in India
The Indian government is promoting the Jan Dhan Yojana, Aadhaar and mobile banking – or the “JAM trinity” — as the pathway to financial inclusion. But are banks capable or even willing take o...
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Camille Boudot A.J. Mowl
- 29 May, 2015
- Articles
Impact of American FDI in India
The United States is one of India’s largest trade and investment partners. This column discusses the impact of American FDI in India in terms of direct effects such as job creation, exports and tec...
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Smita Miglani Saon Ray
- 15 May, 2015
- Articles
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Tweets by Ideas4IndiaMost 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...
- K. Srinivasa Rao
- 11 July, 2018
- Perspectives
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
Explainer: India’s payments banks
In August 2015, the RBI issued in-principle licences to 11 entities to establish payments banks in India – a unique format of banking which has not been used anywhere else in the world. Fully based ...
- Rahul Choudhury
- 30 May, 2018
- Explainers