Tamal Bandyopadhyay

Are IT-trained staff available when regular operators are on leave? Are daily-waged support workers restricted to non-sensitive areas? Banks need to address these questions

The regulatory framework effective April 2026 has created the foundation for mitigating risks in gold loans but more needs to be done

Banks in a growing economy need patient, long-term foreign capital with good governance to meet credit demand

Let the rupee find its own level but allow that to happen in a calibrated way

What electronic trading exchanges and central depositories did for capital markets in 1996, and credit bureaus did retail banking in 2000s, Bima Sugam and PIR are set to do for the insurance turf now

Depending on growth-inflation dynamics, the repo rate could rise to 6-6.25 per cent next year

We need to watch how entrenched inflation is and how demand-led growth is

Extending the Saturday holiday at banks is no longer just a union demand - it is a logical step for the well-being and operational efficiency of 1.8 million employees in a digitally driven economy

The Subhash Chandra episode doesn't show that the Insolvency and Bankruptcy Code (IBC) has failed - but that there's a gap, when it comes to voting, which can be used by any promoter

The defining feature of a flexi-loan is amortisation. Instead of a blanket ban, the regulator may consider certain structural safeguards against evergreening

The very idea of money is in flux. Digital money is gradually starting to behave like software

Much has been said about over-lending and defaults. Here's how lending works for the bottom-of-the-pyramid

This is a rare phenomenon in the Indian banking industry. What's more, nine banks have half a per cent or more net NPAs

This is a rare phenomenon in the Indian banking industry. What's more, nine banks have half a per cent or more net NPAs

The decision to reintroduce on-tap licensing for urban cooperative banks signals the regulator's growing confidence that governance reforms have created sufficient safeguards

Behind the forensics and policy responses lies a question that India's banking industry is asking itself today: How to deal with insider bank frauds

RBI keeps the repo rate unchanged at 5.25%, raises FY27 growth forecast, trims inflation outlook and leaves the door open on future rate hikes amid global uncertainty

The rate-setting body is likely to remain in wait-and-watch mode as uncertainties continue to cloud the macroeconomic outlook

The most alarming dimension of frauds perpetrated by insiders is their organised, multi-institutional character

An insider with a password is the new fraudster. Usually, in their mid-30s, well versed with banking operations, computer-savvy, and well behaved. They appear to be workaholics