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.
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.
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
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
Comments to the Ministry of Electronics and Information Technology (MEITy) on the draft Personal Data Protection Bill 2018, dated 27 July 2018, submitted by the Committee of Experts on a Data Protection Framework for India
In this document, we present our comments on the draft Personal Data Protection Bill 2018 (hereafter “the draft Bill”) in response to the call for comments from the public by MEITy (Ministry of Electronics and Information Technology, 2018)
A closer look at recent Payments Banks’ violations
A closer look at recent Payments Banks KYC and conduct violations.
An alternative to privatization of public sector banks
The troubles of the banking sector, and public sector banks (PSBs) in particular, are well known.
