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
Can bank account-based payments boost savings?
?The Finance Ministry plans to focus on mobilising savings in the next phase of PMJDY, the financial inclusion scheme. This column presents results from an experiment in Chhattisgarh, which tests whe...
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Vincent Somville Lore Vandewalle
- 06 April, 2015
- Articles
The financial inclusion agenda and Aadhaar
The central government is pushing financial inclusion in a big way. In this article, MS Sriram discusses the role of identity in financial inclusion, and the importance of Aadhaar in this context. He...
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MS Sriram
- 18 March, 2015
- Perspectives
Foreign Fund Flows and Stock Returns: Evidence from India
This project studies the impact of foreign institutional investor (FII) flows on stock returns in India. It exploits stock-level daily trading data for FII purchases and FII sales to separate stocks i...
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Viral Acharya V Ravi Anshuman
- 31 January, 2015
- IGC Research on India
Financing India's infrastructure growth
Interest rates in the developed economies are still at very low levels, while investors are looking for high and stable returns for their money. This article outlines an innovative proposal for finan...
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Samik Metia
- 12 January, 2015
- Perspectives
Challenges and priorities for financial sector reform in India
I4I Editor Nirvikar Singh (Professor, University of California, Santa Cruz) interviews K.P. Krishnan (Former Additional Secretary, Department of Economic Affairs, Ministry of Finance) on the central ...
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K.P. Krishnan Nirvikar Singh
- 17 November, 2014
- Perspectives
Finance and growth in China and India: Have firms benefited from capital-market expansion?
Financial sectors in India and China are fast expanding. This column presents a new dataset on the capital-raising activity and performance of publicly listed firms in the two countries. It suggests ...
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Tatiana Didier Sergio Schmukler
- 08 August, 2014
- Articles
How well does DBT work on the ground?
PM Modi has emphasised fast-tracking roll-out of the Adhaar-based Direct Benefits Transfer programme. In this note, Sweta Trayambak – who has worked with the district administration of Ramgarh in J...
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Sweta Trayambak
- 04 August, 2014
- Notes from the Field
Financial inclusion of women: Myth or reality?
Research indicates that initiatives targeted at financial inclusion of women have had limited success. This column contends that limited formal ownership of material assets by women and a lack of und...
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Deepti KC Mudita Tiwari
- 04 July, 2014
- Articles
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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Vaibhav Anand Rajeswari Sengupta
- 19 May, 2014
- Articles
Estimating losses to consumers due to mis-sold life insurance policies
Mis-selling of financial products has prompted regulators in India to work on consumer protection in financial markets. However, evidence on actual mechanisms and extent of mis-selling is lacking. Th...
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Monica Halan Renuka Sane Susan Thomas
- 19 February, 2014
- Articles
Changing dynamics of the Indian gold market
The demand for gold and its import have been on the rise in India, despite rising gold prices. The RBI has responded by introducing various measures to curb the demand for gold and gold loans. This co...
- 13 January, 2014
- Articles
What is mitigating a financial crisis in India?
The recent turmoil in the currency market and the general slowdown in growth in India are disturbing. However, India has by and large performed better in terms of macro-financial stability as compared...
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Gurbachan Singh
- 08 November, 2013
- 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