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
- Articles
Strategy for dealing with the banking crisis
To deal with India’s banking crisis, Prof. Ajay Shah of NIPFP recommends a two-pronged strategy – more financing for firms, and RBI reforms.
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Ajay Shah
- 17 May, 2017
- Perspectives
The size of personal bank credit in India
In May 2016, the Insolvency and Bankruptcy Code law was passed by Indian Parliament and received presidential assent. The law consists of provisions for both corporate and personal insolvency. However...
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Renuka Sane Anjali Sharma
- 10 May, 2017
- Articles
Has regulatory intervention been effective in maintaining stability of Indian banks?
To address the challenges that Indian corporates faced in the early 2000s in meeting their debt-servicing obligations to banks/financial institutions, RBI introduced a corporate debt restructuring pro...
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Mostak Ahamed Sushanta Mallick
- 06 February, 2017
- Articles
A five-minute loan to unlock micro-entrepreneurship in India
Micro-entrepreneurs are grossly underserved by traditional lenders, as they typically do not have collateral or credit histories to make them creditworthy. In this article, Pande, Memon and Goyal of ...
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Vibhor Goyal Niloufer Memon Varad Pande
- 11 January, 2017
- Notes from the Field
Aadhaar, demonetisation, and the poor
There is a view that an Aadhaar-centred apparatus of digital inclusion can shield the poor from the problematic effects of demonetisation. In this article, Silvia Masiero argues that constraints of te...
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Silvia Masiero
- 09 January, 2017
- Perspectives
Assessing the impact of demonetisation through the gender lens
In this article, Mitali Nikore, Senior Consultant at PwC India, highlights how demonetisation is impacting women differentially, and offers policy suggestions on how the negative effects can be mitiga...
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Mitali Nikore
- 04 January, 2017
- Perspectives
On demonetisation
On the evening of 8 November, the Prime Minister announced on national television that Rs. 1,000 and 500 notes are no longer legal tender, and must be exchanged at the banks for newly issued currency....
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Parikshit Ghosh
- 23 December, 2016
- Symposium
Demonetisation: A thunderbolt in search of a target
In this article, Ajit Karnik, Professor of Economics at Middlesex University, Dubai, examines the various rationales that have been trotted out to justify demonetisation and finds little evidence to b...
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Ajit Karnik
- 23 December, 2016
- Perspectives
Post-demonetisation: Can the old notes return?
Banks in India are reported to have received about 87.7% of the demonetised currency notes so far. In this article, Badri Sunderarajan argues that when once all the old notes have come in, it would ma...
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Badri Sunderarajan
- 22 December, 2016
- Perspectives
India’s demonetisation drive: Politics trumps economics
In this article, Siddhartha Mitra, Professor of Economics at Jadavpur University, argues that even though demonetisation fails the standard economic cost-benefit test with regard to its stated objecti...
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Siddhartha Mitra
- 20 December, 2016
- Perspectives
Demonetisation: Some very counterintuitive effects in practice
Due to demonetisation, holders of black money lose if they cannot exchange their notes or sell these in the black market. It is widely reasoned that this implies an equal financial gain for the public...
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Gurbachan Singh
- 18 December, 2016
- Perspectives
Will demonetisation lead to a protracted economic slowdown?
In this article, Pandey and Sengupta argue that the impact of the contractionary demand shock triggered by the note ban will gradually radiate from cash-intensive activities to virtually every sector ...
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Radhika Pandey Rajeswari Sengupta
- 15 December, 2016
- Perspectives
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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