Differentiation in banking models is a must to drive competition
Several studies have found that the Indian banking sector, while having a large number of players, has monopolistic competition.
Video: Effective Enforcement of a Data Protection Regime
Talk at NIPFP on our latest working paper.
RBI’s Financial Stability Reports – A Commentary on its Purpose and Contents
The Reserve Bank of India (RBI) has been publishing its bi-annual Financial Stability Reports (FSR) from May 2010. The FSRs provide extensive information about the way the RBI conducts its stress tests on the banking system; an aggregate sense of the results of such tests provide a measure of the overall resilience and stability of […]
Is it time to introduce wholesale banks in India?
NBFCs are particularly vulnerable to wholesale funding constraints in the form of high and volatile borrowing costs
India’s Findex data: Reasons behind non-usage phenomenon even after widespread financial services
Ideas on how to benefit from the account opening momentum and make progress on usage as well.
India’s Findex data: Reasons behind non-usage phenomenon even after widespread financial services
Ideas on how to benefit from the account opening momentum and make progress on usage as well.
Response to the draft Personal Data Protection Bill, 2018
Early-Stage of Assessment of Pradhan Mantri Mudra Yojana
The Pradhan Mantri Mudra Yojana (PMMY) is a large-scale policy intervention designed to address the well-established credit gap for micro and small enterprises in India.
Report on the Early Stage Assessment of the Pradhan Mantri Mudra Yojana
Research insights on design and implementation of PMMY.
Banks must transmit rates for fruitful financial inclusion
Banks not passing on rate cuts points to a lack of intensity in price competition and calls for increasing the number of lenders
