•  
Main Banner Image
Money & Finance

Balancing caution and opportunity: RBI's new stance on FDI in commercial banking

  • Perspectives

Deregulating deposits: What India’s experience tells us about banking today

Amid a sharp liquidity deficit, Indian banks are aggressively raising deposit rates to attract household savings – a pattern last observed over a decade ago. This article investigates what the curre...

  • Articles

Stability at the cost of growth? Rethinking liquidity rules in India’s banking sector

Liquidity regulation – quantity-based requirements mandating banks to maintain enough high-quality assets to meet short-term obligations during periods of stress – is a long-standing policy tool o...

  • Articles

The State within India’s corporate bond market

The value of gross issuances in India’s corporate bond market has grown by 150% over the past decade. In this post, Harsh Vardhan contends that while the market has become bigger, reforms are needed...

  • Perspectives
186 posts
Refine list by:
--Please Select--
--Please Select--

The paradox of plenty: Stable inefficiency in Indian banking

How are returns in the financial sector distributed across the stakeholder groups of customers, employees, shareholders and the government? Based on analysis of data from the Reserve Bank of India ove...

  • Perspectives

Balancing caution and opportunity: RBI's new stance on FDI in commercial banking

Over the years, the RBI has moved from a cautious stance on FDI in commercial banking, to a pragmatic, case-by-case liberalisation that allows for higher foreign stakes. In this post, Sunil Mani exami...

  • Perspectives

Deregulating deposits: What India’s experience tells us about banking today

Amid a sharp liquidity deficit, Indian banks are aggressively raising deposit rates to attract household savings – a pattern last observed over a decade ago. This article investigates what the curre...

  • Articles

Stability at the cost of growth? Rethinking liquidity rules in India’s banking sector

Liquidity regulation – quantity-based requirements mandating banks to maintain enough high-quality assets to meet short-term obligations during periods of stress – is a long-standing policy tool o...

  • Articles

How Atal Pension Yojana is helping Indians save for retirement

Government of India’s contributory pension scheme, Atal Pension Yojana, encourages citizens to save for retirement. This study finds that APY not only provides a basic pension, but also promotes bro...

  • Articles

The State within India’s corporate bond market

The value of gross issuances in India’s corporate bond market has grown by 150% over the past decade. In this post, Harsh Vardhan contends that while the market has become bigger, reforms are needed...

  • Perspectives

How financial stress impacts consumer confidence

The financial turmoil of 2008 and the subsequent recession amplified the association between vulnerabilities in the financial markets and the real economy. Examining the behavioural responses of India...

  • Articles

New banks, credit, and misallocation

In the late 1990s, India opened its banking sector to new private banks – both domestic and foreign. This article shows that this resulted in greater flow of credit – but only for big firms. Highe...

  • Articles

Seeking ‘greenium’

While sustainable investing is growing rapidly, it is unclear who is benefitting from this and how. Based on analysis of data on green bonds and loans, this article finds that the gainers are mainly f...

  • Articles

Finance for small-firm growth: Towards flexibility and innovation

While microfinance contract innovations like repayment grace periods help small-firm owners, they can increase default rates for microfinance institutions. Based on field experiments in Pakistan and K...

  • Articles

Do commodity derivatives suspensions rein in food price inflation?

Since December 2021, derivatives trading on seven agricultural commodities remains suspended, driven by concerns over excessive speculation and its potential impact on food prices. This article highli...

  • Articles

RBI’s costly experiments with the currency

During 2023-2024, the average annual volatility of the rupee-dollar exchange rate was 1.8% – the lowest in over two decades. In this post, Patnaik, Pandey and Sengupta explain why sudden and sharp l...

  • Perspectives

Recent Contributors

Harsh

Harsh Vardhan

Management Consultant and Researcher

Amrita

Amrita Agarwal

Advisor and Researcher

Sunil

Sunil Mani

CDS and Ahmedabad University

Nirupama

Nirupama Kulkarni

CAFRAL

Yogeshwar

Yogeshwar Bharat

CAFRAL

Subhadeep

Subhadeep Halder

Indian Statistical Institute, Delhi

Sameedh

Sameedh Sharma

King's College London

Debasis

Debasis Rooj

FLAME University

View all Contributors

Most Popular Money & Finance Posts

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...

  • Articles

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

RBI’s costly experiments with the currency

During 2023-2024, the average annual volatility of the rupee-dollar exchange rate was 1.8% – the lowest in over two decades. In this post, Patnaik, Pandey and Sengupta explain why sudden and sharp l...

  • Perspectives