Banks in India, whether large or small, have traditionally been required to adopt similar strategies to expanding their banking businesses.
Menu
Research Paper or Working Paper is the culmination of a research process and critical thinking. Here, we present our findings of primary research, surveys, and/or literature review in a format that is mostly found in academic papers. These may take us several months to produce and may involve a slow pace and deliberate reflection by the researchers.
Banks in India, whether large or small, have traditionally been required to adopt similar strategies to expanding their banking businesses.
We use an audit methodology where auditors ask for tax saving instruments from banks and document the disclosures made on product features at the time of sale. In private sector banks with high sales incentives, the high commission product is recommended. In public sector banks, where there are deposit mobilisation targets, fixed deposits are recommended. […]
As part of IFMR Finance Foundation’s “Notes on the Indian Financial System” research series, Anand Sahasranaman, Vishnu Prasad & Aditi Balachander, have authored the latest research note on “Simulating Housing Choice for Low-Income Urban Households”.
Generalized Herfindahl-Hirschman Index to Estimate Diversity Score of a Portfolio across Multiple Correlated Sectors
Municipal finances in India are characterised by the constant tension between the funds and functions of local governments. Cities in India have insufficient revenue tools to meet their expenditure requirements.
As part of our blog series on the recently held Spark sessions, in this post we cover a talk by Vishnu Prasad & Rachit Khaitan on their recently released research paper “How much can asset portfolios of rural households benefit from formal financial services?”
This note highlights the need for active and deep debt capital markets, both fixed income and derivative markets in India.
This note assesses the state of the Indian banking system including its small overall size and high concentration risk, poor indicators of financial inclusion and depth, opaque balance sheets, weak profitability, and highly covariant strategies followed by government-owned banks.
A friend pointed me to an interesting new book recently, “Inside China’s Shadow Banking: the Next Subprime Crisis”. This is written by an investment banker turned shadow banker, Joe Zhang.
As a part of our series on Municipal Finance, we present a summary of Anand Sahasranaman’s paper on Pragmatic Municipal Finance Reforms in India, published in the November 2012 edition of Environment and Urbanisation Asia
In all our research efforts, we strive to maintain an independent voice that speaks for the low-income household and household enterprises. Our ability to perform this function is significantly enhanced by our commitment to disseminate as a pure public good, all the intellectual capital that we create.
