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Ashok Kotwal
On demonetisation
Posted on: 23 Dec 2016
On the evening of 8 November, the Prime Minister announced on national television that Rs. ... read on »
Introduction to e-Symposium: The GDP conundrum
Posted on: 16 Nov 2016
Ever since India’s Central Statistical Organisation came out with the new GDP series with ... read on »
Introduction to e-Symposium: The idea of a universal basic income in the Indian context
Posted on: 26 Sep 2016
The idea of an unconditional basic income given to all citizens by the State, has caught o ... read on »
Debate: The Aadhaar Bill
Posted on: 02 May 2016
In a debate on the Aadhaar Bill, commentators from academia and civil society will ... read on »

Tag: savings

How agricultural debt waiver impacts beneficiary households
Mrinal Mishra
Posted on: 02 Feb 2017
Topics:   Finance , Agriculture


How a large-scale and unanticipated debt-relief programme impacts beneficiary households is a question that has not been clearly answered by the existing literature. This column analyses the impact of India’s Agricultural Debt Waiver and Debt Relief Scheme of 2008. It finds that beneficiary households increase precautionary savings by increasing investment in jewellery as they anticipate higher credit constraints in the post-waiver period. Consumption levels remain unaffected.
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How interest rates affect financial decisions of Indian households
Nikhil Gupta
Posted on: 17 Jul 2015

RBI has cut interest rates three times this year so far. While rate cuts are welcomed by the Indian corporate sector, their impact on households is less discussed. This column analyses the relationship between deposit rates and financial decisions of households. It finds that lower rates reduce net financial savings of households, which in turn reduces the resource pool available to the corporate sector.
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The Chit fund crisis: Should not put all financial intermediaries in the same bracket
Abhijit Banerjee , Maitreesh Ghatak
Posted on: 03 May 2013
Topics:   Finance , Crime


The government has announced a bailout package for the participants of unregulated saving schemes that have been put at risk by the current Chit fund crisis in West Bengal. In this article, Banerjee and Ghatak caution against putting deposit-takers and micro-lenders in the same bracket while considering stricter financial regulation to prevent recurrence of such events.
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Helping the poor to save
Parul Agarwal , Deepti KC , Mudita Tiwari
Posted on: 23 Jan 2013

Do poor people save? This column portrays the saving and financial behaviours and preferences of the poor. It recommends designing and marketing savings products that address the constraints they currently face.
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