Contributor : Profile
@nirupama_kulk
nirupama.kulkarni@cafral.org.inDr Nirupama Kulkarni is Professor at Centre for Advanced Financial Research and Learning (CAFRAL). She works on academic and policy research in the areas of banking, household finance, real estate and monetary policy. Her most recent work focuses on digitalisation, banking in India, and implications for credit allocation. Dr Kulkarni’s work has appeared in leading academic journals such as the Journal of Monetary Economics, Management Science, and Journal of Corporate Finance, among others. She has an undergraduate degree in electrical engineering from IIT Bombay, an MBA from Stern School of Business, New York University, and a Ph.D. in business administration (finance and real estate) from Haas School of Business, University of California, Berkeley.
Posts by Nirupama Kulkarni
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...
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Yogeshwar Bharat Subhadeep Halder Nirupama Kulkarni 
06 October, 2025
- Articles
Unearthing “zombies” in the Indian corporate sector
The secular rise of "zombie" borrowers – insolvent firms sustained by continued extension of credit by complicit banks – is a source of concern as these firms tie up productive workers and capital...
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Nirupama Kulkarni S. K. Ritadhi Siddharth Vij Katherine Waldock
- 04 August, 2020
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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.
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Viral Acharya Nirupama Kulkarni
- 01 April, 2011
- IGC Research on India