Emergence of a private credit market in India
The last few years have seen the growth of a private credit market in India, which offers financing to small and mid-sized firms with a relatively high default risk. In this piece, Datta and Sengupta ...
- Pratik Datta Rajeswari Sengupta
- 30 January, 2024
- 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...
- 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...
- Shamim Ara
- 22 May, 2023
- Perspectives
Formally insuring the informally insured
Rainfall is critical for the livelihoods of millions of Indians – yet many have no formal insurance if the rains fail. This column looks at what happens when a new formal insurance policy based on t...
- Mushfiq Mobarak
- 16 November, 2012
- Articles
Microfinance and predatory lending: The same old story?
Once hailed as a near-miraculous way of lending money to the poor, microfinance is now often seen as exploitation – and governments are stepping in. This column looks at another point in India’s h...
- Latika Chaudhary Anand Swamy
- 19 October, 2012
- Articles
Financial Intermediation and Economic Growth in Bihar: A District-Level Analysis
The aim of the project was to assess the effectiveness of the banking sector's contribution to the overall development in Bihar. In a nutshell, the study tries to understand the efficiency of the bank...
- Sanjay Banerji Krishna Gangopadhyay Sushanta Mallick
- 18 July, 2012
- IGC Research on India
Note on Reserve Currencies
This project examines the likelihood that the current reserve currencies will retain their status in the near future, given the persistence in the composition of reserve holdings. However, due to pauc...
- Menzie Chinn
- 01 April, 2012
- IGC Research on India
Role of Derivatives in India's Financial Development
The annals of financial history are littered with stories of corporations and financial institutions which collapsed when a deterioration in market conditions led to massive losses in the derivatives ...
- Rangarajan K. Sundaram
- 01 April, 2012
- IGC Research on India
Household Finance in India
How does mortgage regulation influence the structure and performance of housing finance? This project answers the question by analysing administrative data on over 1.2 million loans originated by an I...
- John Campbell Tarun Ramadorai
- 31 March, 2012
- IGC Research on India
Selling Formal Insurance to the Informally Insured
Agricultural activity is inherently risky, and smoothing consumption across years or seasons is a significant challenge for agrarian households in developing countries.
- Mushfiq Mobarak Mark Rosenzweig
- 01 November, 2011
- IGC Research on India
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.
- Viral Acharya Nirupama Kulkarni
- 01 April, 2011
- IGC Research on India
Improving Access to Finance for Entrepreneurs in Developing Countries
One of the most important issues in developing countries is how to finance small and medium enterprises (SMEs). Although microcredit and new forms of financial inclusion are increasingly prominent in ...
- Shawn Cole Leora Klapper
- 31 March, 2011
- IGC Research on India
Long Run-Effects of Repayment Flexibility in Microfinance: Evidence from India
Financiers across the world structure debt contracts to limit the risk of entrepreneurial lending. But debt structures that reduce risk may inhibit enterprise growth, especially among the poor.
- Erica Field Rohini Pande John Papp Natalia Rigol
- 01 February, 2010
- IGC Research on India
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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