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Money & Finance

What ails the Indian banking sector?

  • Perspectives

Understanding the recent ordinance amending the Insolvency and Bankruptcy Code

The Insolvency and Bankruptcy Code, 2016 (IBC) is a landmark reform for India. One year after the notification of the law, an Ordinance to amend IBC has been promulgated, which bars several categories...

  • Perspectives

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 ...

  • Explainers

Does your cultural background affect your credit profile?

In many economies – both developed and developing – economic transactions tend to cluster by ethnic or social group. Using data from a large, state-owned bank in India, this article presents evide...

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Formally insuring the informally insured

Rainfall is critical for the livelihoods of millions of Indians – yet many have no formal insurance if the rains fail. This column looks at what happens when a new formal insurance policy based on t...

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Microfinance and predatory lending: The same old story?

Once hailed as a near-miraculous way of lending money to the poor, microfinance is now often seen as exploitation – and governments are stepping in. This column looks at another point in India’s h...

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Financial Intermediation and Economic Growth in Bihar: A District-Level Analysis

The aim of the project was to assess the effectiveness of the banking sector's contribution to the overall development in Bihar. In a nutshell, the study tries to understand the efficiency of the bank...

  • IGC Research on India

Note on Reserve Currencies

This project examines the likelihood that the current reserve currencies will retain their status in the near future, given the persistence in the composition of reserve holdings. However, due to pauc...

  • IGC Research on India

Role of Derivatives in India's Financial Development

The annals of financial history are littered with stories of corporations and financial institutions which collapsed when a deterioration in market conditions led to massive losses in the derivatives ...

  • IGC Research on India

Household Finance in India

How does mortgage regulation influence the structure and performance of housing finance? This project answers the question by analysing administrative data on over 1.2 million loans originated by an I...

  • IGC Research on India

Selling Formal Insurance to the Informally Insured

Agricultural activity is inherently risky, and smoothing consumption across years or seasons is a significant challenge for agrarian households in developing countries.

  • IGC Research on India

State Ownership and Systemic Risk: Evidence from the Indian Financial Sector During 2007-09

The study analyses the performance of banks in India during 2007-09 in order to study the impact of ownership structure on bank vulnerability to a crisis.

  • IGC Research on India

Improving Access to Finance for Entrepreneurs in Developing Countries

One of the most important issues in developing countries is how to finance small and medium enterprises (SMEs). Although microcredit and new forms of financial inclusion are increasingly prominent in ...

  • IGC Research on India

Long Run-Effects of Repayment Flexibility in Microfinance: Evidence from India

Financiers across the world structure debt contracts to limit the risk of entrepreneurial lending. But debt structures that reduce risk may inhibit enterprise growth, especially among the poor.

  • 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

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 ...

  • Explainers

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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