21 October, 2025Deregulating 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
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...
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Sameedh Sharma
- 24 July, 2025
- 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...
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Harsh Vardhan
- 12 June, 2025
- Perspectives
Assessing the impact of listing on access to finance for small and medium enterprises
Small and medium enterprises are globally viewed as an engine of economic growth. However, growth in this sector is often limited by access to external finance due, in part, to SMEs being informationa...
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Nidhi Aggarwal Susan Thomas
- 30 October, 2016
- IGC Research on India
Public sector banks: The more things change, the more they stay the same
Banks Board Bureau has been set up to help the government appoint heads of public sector banks (PSBs) and to advise on important issues in banking. In this article, Gurbachan Singh asks basic question...
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Gurbachan Singh
- 21 July, 2016
- Perspectives
Land and financial misallocation in India
Optimising the allocation of factors of production – land, capital and labour - improves productivity. In India, where evidence suggests land is severely misallocated to inefficient manufacturing fi...
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Gilles Duranton Ejaz Ghani Arti Grover Goswami William Kerr
- 20 July, 2016
- Articles
Access to credit and female labour supply in India
While microfinance is believed to have the potential to increase female labour force participation, short-term experimental evaluations of microfinance have not found significant economic benefits for...
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Erica Field Rohini Pande
- 30 June, 2016
- IGC Research on India
Are small and medium enterprises constrained by the inability to raise funds from the equity markets? Evidence from the creation of a new platform in
Small and medium enterprises employ 40% of India’s workforce, and account for 45% of the manufacturing output and 40% of the total exports of the country. However, productivity in the sector is very...
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Sanjay Banerji Krishna Gangopadhyay Madhav Shrihari
- 30 June, 2016
- IGC Research on India
How do disclosures affect financial choices? The case of life insurance in India
Given the importance of insurance, and the regulatory push towards improved disclosures.
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Renuka Sane Ajay Shah
- 30 June, 2016
- IGC Research on India
Socially disadvantaged groups and microfinance in India
The benefits of microfinance are in the details. This column takes a look at lending by commercial banks in India to self-help groups – smaller, informal community-based groups – as a new and succ...
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Jean-Marie Baland Rohini Somanathan Lore Vandewalle
- 16 May, 2016
- Perspectives
The Indian banking system: A ticking time bomb
In response to RBI’s call to accelerate the recognition of stressed assets, publicly traded banks in India added nearly Rs. 1 trillion in bad loans in the quarter ending December 2015. In this arti...
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Ashish Pandey
- 13 May, 2016
- Perspectives
Recapitalising public sector banks by disinvesting in RBI: Right and wrong
The Economic Survey 2015-16 put forth the argument that the Government of India could reduce its capital in the RBI from its current large level and use it to increase its capital in public sector ban...
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Gurbachan Singh
- 09 May, 2016
- Perspectives
Achieving financial inclusion: Going cashless
A World Bank survey reveals that while about half of all individuals in India had bank accounts in 2014, only 12% had made a cashless transaction in the past year. In this article, Bappaditya Mukhopa...
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Bappaditya Mukhopadhyay
- 06 April, 2016
- Perspectives
How doorstep banking increased savings and income in Sri Lanka
Recent findings in development economics indicate that microloans are likely to perform best when accompanied by financial education, insurance, and savings products. This column presents evidence fro...
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Michael Callen Suresh de Mel Craig McIntosh Christopher Woodruff
- 30 March, 2016
- Articles
Increasing economic divide within backward castes
While the high level of socioeconomic inequality between the forward and backward caste groups in India is well documented, there is little research on inequalities within the backward caste groups. T...
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Ashish Singh
- 28 March, 2016
- 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
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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
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...
- Radhika Pandey Ila Patnaik Rajeswari Sengupta
- 21 February, 2025
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