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India’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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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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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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How banking crisis is impeding India’s economy

The amount of non-performing assets (NPAs) in India’s banking sector has skyrocketed in the last five years. It has been accompanied by a sharp decline in investment growth, and a significant econom...

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I4I Panel Discussion: Financing development in India

I4I recently organised a panel discussion on ‘Financing Development in India’ with Prachi Mishra (Goldman Sachs), Andy Mukherjee (Bloomberg), and Ananth Narayan (SPJIMR). The discussion was modera...

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Linking lending rates to external benchmark: Challenges and opportunities for banks

The Reserve Bank of India has made it mandatory for banks to link all new floating-rate personal, retail loans, along with loans to micro, small and medium enterprises to an external benchmark-based i...

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Would RBI fund transfer weaken government's financial position?

The Reserve Bank of India (RBI) recently decided to transfer Rs. 1.76 trillion to the Government of India (GOI). If the RBI has inadequate capital, then it should not transfer funds to the GOI. But ev...

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Can the microcredit model be improved?

Microcredit is frequently touted as an effective policy tool to fight global poverty. However, studies suggest that the long-term impact on recipients’ lives is limited. In this post, Mushfiq Mobara...

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Amalgamation of public sector banks: The task ahead

The central government has proposed amalgamation of three public sector banks (PSBs), the first stage of which has been completed. This strategic move is touted to be the beginning of transformation o...

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What ails the Indian banking sector?

Non-performing assets (NPAs) of Indian banks have risen from under 3% to over 13% in the past couple of years, making the state of the banking sector one of the biggest challenges facing the country i...

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Measuring the equilibrium impacts of credit: Evidence from India’s 2010 microfinance crisis

In October 2010, the government of Andhra Pradesh issued an emergency ordinance, bringing microfinance activities in the state to a complete halt and causing a nationwide shock to the liquidity of len...

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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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The cycle of debt among vendors in India and the Philippines

Many street vendors rely on daily or weekly loans from moneylenders to finance working capital. Given the high interest rates, why do they not use a little bit of each day’s earnings to buy working ...

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Explainer: Conceptual foundations of cryptocurrencies

In recent times, cryptocurrencies have become a subject of intense deliberations among policymakers, market participants, investors, and other stakeholders. Whether cryptocurrencies will revolutionis...

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Explainer: India’s payments banks

In August 2015, the RBI issued in-principle licences to 11 entities to establish payments banks in India – a unique format of banking which has not been used anywhere else in the world. Fully based ...

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Nipuna Varman

National Institute of Public Finance and Policy

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Joshua Aizenman

University of Southern California

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Gazi Salah Uddin

Linköping University, Sweden

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Jamel Saadaoui

University Paris 8

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Irfan Qureshi

Asian Development Bank

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Donghyun Park

Asian Development Bank

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Debasis Rooj

FLAME University

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Reshmi Sengupta

FLAME University

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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...

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