WazirX: Socialisation of losses and need for financial regulation
The cryptocurrency exchange WazirX recently faced a security breach resulting in huge losses for its users. In this post, Nipuna Varman evaluates the ‘loss socialisation’ recovery plan that was in...
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Nipuna Varman
10 October, 2024
- Perspectives
How RBI’s macroprudential policies shape housing loan decisions
The recent surge in housing finance in India calls for a robust regulatory framework to ensure financial stability and avert overheating of the housing market. Using data on individual mortgage loans ...
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Debasis Rooj
Asish Saha
Reshmi Sengupta
27 September, 2024
- Articles
Green is good: Risk insights into Indian green stocks
While consistent financial flows towards climate resilience are crucial, there is a recent global trend of withdrawal of investment from ‘green assets’. Given the centrality of potential risk-adju...
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Gagari Chakrabarti
Chitrakalpa Sen
26 June, 2024
- Articles
Debt markets’ response to mandatory corporate social responsibility
To examine the response of debt holders to the Mandatory Corporate Social Responsibility, this study by Jitendra Aswani looks at debt pricing for firms impacted by the Indian Companies Act 2013 and it...
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Jitendra Aswani
23 August, 2023
- Articles
Who holds sovereign debt and why it matters
Knowing who invests in sovereign debt and how they impact borrowing costs could help governments understand how costly it would be to raise new debt. This article constructs and analyses data on the c...
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Xiang Fang
Bryan Hardy
Karen K. Lewis
04 August, 2023
- Articles
The past and future of Indian finance
In the fourth article in the Ideas@IPF2023 series, Ruchir Agarwal describes the impact of two economic shocks – the financial crisis of 2018-20 and the Covid-19 pandemic – on the Indian financial ...
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Ruchir Agarwal
14 July, 2023
- Perspectives
Is the RBI’s commitment to inflation targeting credible?
Eight years after the adoption of Flexible Inflation Targeting (FIT) by the RBI, Garga, Lakdawala and Sengupta evaluate the success of this framework. They use two approaches to assess the credibility...
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Vaishali Garga
Aeimit Lakdawala
Rajeswari Sengupta
24 May, 2023
- Articles
UPI: A game changer towards achieving a cashless economy
Since the launch of the Unified Payment Interface (UPI), the volume of digital transactions in India has increased exponentially over the last few years. Shamim Ara highlights the trends in the expans...
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Shamim Ara
22 May, 2023
- Perspectives
The post-pandemic credit landscape in India
The economic shock caused by the Covid-19 pandemic and longstanding structural issues like the NPA crisis with its associated risk aversion in the banking sector resulted in low bank credit growth in...
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Rajeswari Sengupta
Harsh Vardhan
08 May, 2023
- Articles
Bank failures: what’s the Fed’s role?
Silicon Valley Bank is the largest bank failure in the US since the 2008 financial crisis. Viral Acharya and Raghuram Rajan reflect on this and attribute the bank’s collapse to more than bankers’ ...
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Viral Acharya
Raghuram Rajan
31 March, 2023
- Perspectives
The disruptive market power of foreign portfolio investors in the face of tax threat
Foreign portfolio investors in emerging markets are known to exit host capital markets promptly if any policy changes impose additional costs. Based on an analysis of daily trading data during a perio...
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Hisham Farag
Andrew Marshall
Biwesh Neupane
Suman Neupane
Chandra Thapa
02 November, 2022
- Articles
The low productivity trap of collateralised lending for MSMEs
The share of bank credit extended to MSMEs increased dramatically during the pan-demic. In this post, Harsh Vardhan discusses the the government guarantee of bank loans as a possible driver of this gr...
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Harsh Vardhan
07 October, 2022
- Perspectives
How NBFCs are reinventing MSME finance
Even though micro and small enterprises make up over 99% of MSMEs in India, they receive a relatively small proportion of bank credit. Chandra and Muthusamy look at how lending to MSMEs has evolved ov...
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Rohit Chandra
Nishanth Muthusamy
15 September, 2022
- Perspectives
Accumulation of household debt in India: Repercussions for economic recovery
The Covid-19 crisis and the subsequent recession has brought about a shift in financial savings; households have cut back on consumption and reduced their demand for credit, and banks tightened lendin...
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Isha Gupta
18 July, 2022
- Perspectives
Not exactly bad news: Fed tightening cycle’s implications for emerging markets
The conventional perception, that US Federal Reserve rate hikes necessarily imply capital outflows from emerging markets, is an incomplete assessment. This article disaggregates Fed hikes’ effects o...
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Gabriele Ciminelli
John Rogers
Wenbin Wu
15 June, 2022
- Articles
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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...
Kuntala Bandyopadhyay
Saon Ray
Vasundhara Thakur
31 August, 2020
- 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...
K. Srinivasa Rao
11 July, 2018
- Perspectives
Thinking about financial sector reforms in India
A key element of the economy that needs to function well in order to facilitate India’s strong and sustained recovery from the pandemic is the financial system. In this post, Sengupta and Vardhan d...
Rajeswari Sengupta
Harsh Vardhan
15 November, 2021
- Perspectives