Theme: Regulatory and Supervisory Frameworks

In this blog post, which is the second part of the two-part series, we studied the suitability formats of four life insurance companies and found many contrasts in the manner in which IRDAI’s suitability regulations of 2019 has been implemented.

This blog post, which is the first of a two-part series, aims to trace the history of IRDAI’s regulations regarding suitability assessments for life insurance.

In this blog post, we answer the first two questions. In the next post, we shall present a principle-based approach that the RBI may adopt, thus answering the third question of how the current regulations should be amended or augmented to enhance their efficacy.

In this policy brief, we evaluate the design and operation of the public credit guarantee schemes for MSMEs present in India, the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) and the Credit Guarantee Fund for Micro Units (CGFMU), against the principles developed by the World Bank Group (WBG) and Financial Sect

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

In this blog post, we present a summary of our response to the consultative document.

Clear statutory backing, clarity of objectives and an independent and professional management are key to the success of a bad bank. These components seem absent in the current structure.

An RBI paper with bold proposals for this sector should stir a discussion on broader policy reforms

In this post, we analyse the RBI’s proposed policy changes to payments and settlements sector and how they might impact the PBs and PPIs

From a student perspective, there are several challenges associated with paying for any form of higher education, which requires a greater level of commitment in terms of cost.