A Commentary on RBI’s Draft Framework for Securitisation of Standard Assets, 2020
We discuss the need for a clear vision, rationale, and a roadmap to be placed by the RBI for how it sees the draft framework enable the development of this market. We also consider how RBI has made the choice between capital neutrality and capital relief through this framework and how the outcomes from such a choice can have an impact on how securitisation serves the efficient movement of risks within the banking system and also to investors outside the banking system.
Analysing Growth Trends in Formal Financial Market for the Indian Household Sector
This blog examines the growth in household holdings of financial assets and liabilities for the period 2000-01 to 2016-17
A Commentary on RBI’s December 2019 Financial Stability Report
On the December 2019 Financial Stability Report released by the Reserve Bank of India.
Note on the RBI circular on External Benchmark for Banks
RBI would do well to rethink its strategy of improving policy transmission by linking retail loans to external benchmarks.
Comments to the Reserve Bank of India (RBI) on the Discussion Paper on Guidelines for Payment Gateways and Payment Aggregators (the Discussion Paper) dated 17 September 2019
In this Response, we present our comments on the RBI’s Discussion Paper on the Guidelines for Payment Gateways (PG) and Payment Aggregators (PA) in response to the call for comments from stakeholders (Reserve Bank of India, 2019c). Our comments are organised into five broad themes…
Digital Payments in India: Reflections from the Union Budget, the RBI’s Payments Vision 2021 and the Nilekani Committee Report
Reflecting on central recommendations in the Nilekani Report and the Vision 21 Document along with the key aspects of the user journey for digital payments.
Our Observations on RBI’s June 2019 Financial Stability Report
On the June 2019 Financial Stability Report released by the Reserve Bank of India.
The RBI’s proposed Public Credit Registry and its implications for the credit reporting system in India
On RBI’s proposed Public Credit Registry and its implications.
Shining the light on mis-selling in Indian banking
Without focus by regulators on mis-sale, we put confidence of retail customers at risk
Top 5 Game changers for the Indian Financial System in 2018
Summarising the dominant trends from the year gone by.