Finding the common man in the capital markets
SEBI needs to clearly define who a retail consumer is and ensure that this definition is inclusive enough that it accounts for the universe of consumers that are susceptible to the mis-selling of financial products and services
Top 5 Game changers for the Indian Financial System in 2020
Summarising the dominant trends from the year gone by.
Are MSME Grievances Adequately Represented?
In this post, we look at whether the grievances of the MSME sector in relation to their use of financial services are adequately.
Regulation of information flows as Central Bank functions? Implications from the treatment of Account Aggregators by the Reserve Bank of India
This paper seeks to understand the role of the Indian Central Bank in regulating information flows through Account Aggregators. These are licensed entities exclusively dedicated to collecting, retrieving and sharing customers’ financial information with other financial entities with the customers’ consent.
Regulatory and Governmental support measures for Micro-Finance
In this post, we outline some measures that the RBI and Government can take to alleviate the stress faced by the MFI sector
Pass-Through of Loan-Restructuring Information: Micro-Finance Loans and Credit Bureau Records
This post analyses the present regulations governing the restructuring of personal loans and their implications for the borrower’s credit score and her credit record
Tracking Performance of Payments Banks against Financial Inclusion Goals
In this report, we analyse the payments bank (PB) model in terms of the performance of individual PBs in furthering the goal of financial inclusion placed on the payments bank model.
Have Payments Banks fulfilled their Financial Inclusion Objectives?
In this report we study the performance of the four fully operational Payments Bank
A beneficial funding route
Setting up the first regulated, non-profit focused ‘social stock exchange-listed’ social venture fund can be a major milestone for India’s non-profit sector
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.
