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Finance for small-firm growth: Towards flexibility and innovation

While microfinance contract innovations like repayment grace periods help small-firm owners, they can increase default rates for microfinance institutions. Based on field experiments in Pakistan and K...

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Do commodity derivatives suspensions rein in food price inflation?

Since December 2021, derivatives trading on seven agricultural commodities remains suspended, driven by concerns over excessive speculation and its potential impact on food prices. This article highli...

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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...

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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...

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Credit risk management policies of banks: A new approach

Despite increasing robustness of banks and multipurpose liquidity provided by the Reserve Bank of India, there is no perceptible improvement in credit growth. K. Srinivasa Rao proposes a new approach ...

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Impact of information disclosure on consumer behaviour: The case of high-risk bonds

In April 2021, Yes Bank was fined by India’s market regulator for inadequate information disclosure – high-risk bonds were mis-sold to high net-worth investors without accurately informing them ab...

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‘Consumerisation’ of banking in India: Cyclical or structural?

Over the past decade, India’s banking sector has undergone a transformation in terms of the proportion of credit extended to consumers and industry – with consumer credit now accounting for a larg...

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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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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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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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‘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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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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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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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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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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Most Popular Money & Finance Posts

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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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...

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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...

  • Perspectives