24 July, 2024India’s foreign reserves and global risk
India’s foreign exchange reserves, relative to GDP, have been on the rise. This article examines the motives behind the hoarding of reserves by central banks, and if adequate reserves are held for p...
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Chetan Ghate Kenneth Kletzer Mahima Yadav 
12 July, 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
Embracing the melody of dissent: A symphony in policymaking
In recent times, members of the Monetary Policy Committee of the Reserve Bank of India, have expressed views that are contrary to the MPC’s official stance. This article investigates the influence o...
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Unninarayanan Kurup Rajendra N. Paramanik Rounak Sil
- 24 June, 2024
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A decade of credit collapse in India
The government and the Central Bank have undertaken various measures to protect the banking and finance sector from the adverse impact of the Covid-19 crisis. However, despite historically low interes...
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Harsh Vardhan
- 25 June, 2021
- Perspectives
Strengthening risk-management capabilities in the financial sector
Non-banking financial companies are rapidly inundating the financial intermediation space. While this trend has enabled greater autonomy in operations and business diversification, it has also accentu...
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K. Srinivasa Rao
- 07 June, 2021
- Perspectives
Are moneylenders financial intermediaries?
A majority of borrowing in rural households in developing countries is from informal lenders. This article examines the relationship between these informal lenders and banks in rural India, from the e...
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Vaishnavi Surendra
- 24 March, 2021
- Articles
‘Bad bank’: A good idea in bad times
Commenting on the ‘bad bank’ proposal of the 2021-22 Union Budget, K Srinivasa Rao contends that the bad bank is a good idea in bad times – as a transitory solution with defined timelines – bu...
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K. Srinivasa Rao
- 12 March, 2021
- Perspectives
Budget 2021-22: Case for a ‘bad bank’
A key announcement in the 2021-22 Union Budget is the formation of a ‘bad bank’, to better manage the problem of non-performing assets in the financial services ecosystem. In this post, Ananth Na...
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Ananth Narayan
- 22 February, 2021
- Perspectives
Covid-19 crisis: How policy can revive lending appetite among banks
Amid the economic crisis triggered by the Covid-19 pandemic, the expected surge in non-performing assets and its potential impact on the fragile capital base of banks, is alarming. In this post, Srini...
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K. Srinivasa Rao
- 09 November, 2020
- Perspectives
Lead Bank Scheme: Does organisational design matter?
The Lead Bank Scheme of the RBI involves a ‘lead bank’ in each district of India that coordinates financial services in the district, and a ‘convenor bank’ in each state that monitors these ac...
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Samarth Gupta
- 26 October, 2020
- Articles
Going beyond passive investing in the stock market
Investing in the stock market through passive funds is now becoming popular in India. This is, broadly speaking, a positive development. However, Gurbachan Singh contends that we need to go well beyon...
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Gurbachan Singh
- 09 September, 2020
- Perspectives
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...
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Kuntala Bandyopadhyay Saon Ray Vasundhara Thakur
- 31 August, 2020
- Articles
Using contract price to identify ‘right’ clients for flexible microfinance
While repayment flexibility in microfinance helps mitigate the impact of negative income shocks on MSMEs, it might increase default due to borrowers’ time-inconsistent or excessively risky behaviour...
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Giorgia Barboni Arjun Malhotra
- 27 August, 2020
- Articles
Achieving the target of complete financial inclusion in India through fintech
A significant number of people in India remain outside the purview of the formal financial system. Use of financial echnologies can help address the gaps in financial inclusion left by the traditional...
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Arindam Sarkar Onkar Shivraj Swami
- 07 August, 2020
- Perspectives
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
- 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