Tamal Bandyopadhyay
 "Tamal Bandyopadhyay")
Tamal Bandyopadhyay
Tamal Bandyopadhyay is a noted business journalist, known for his weekly column on banking and finance called 'Banker's Trust', published in Business Standard. He is a senior advisor to Jana Small Finance Bank Ltd. He was earlier an advisor to Bandhan Bank Ltd from August 2014 to October 2018. His latest book is 'Roller Coaster: An Affair with Banking'. A student of English Literature with a Master's degree from the University of Calcutta, Bandyopadhyay began his career in journalism as a trainee with The Times of India in Mumbai in 1985, and has worked with several publications since. He was also part of the founding team of the Mint newspaper.
Tamal Bandyopadhyay is a noted business journalist, known for his weekly column on banking and finance called 'Banker's Trust', published in Business Standard. He is a senior advisor to Jana Small Finance Bank Ltd. He was earlier an advisor to Bandhan Bank Ltd from August 2014 to October 2018. His latest book is 'Roller Coaster: An Affair with Banking'. A student of English Literature with a Master's degree from the University of Calcutta, Bandyopadhyay began his career in journalism as a trainee with The Times of India in Mumbai in 1985, and has worked with several publications since. He was also part of the founding team of the Mint newspaper.
Tamal Bandyopadhyay
A 'placeholder' monetary policy underscores RBI's wait-and-watch approach
The decision for the status quo on the policy rate was unanimous. As for the stance, one of the six MPC members, Ram Singh, held a different view, favouring a change to "accommodative"
 "A 'placeholder' monetary policy underscores RBI's wait-and-watch approach")
Union Budget 2026-27: Govt borrowing challenge passed on to RBI
Budget FY27 signals deeper banking reforms, possible PSB consolidation and higher borrowing, shifting the onus to RBI to manage yields and liquidity
 "Union Budget 2026-27: Govt borrowing challenge passed on to RBI")
The Budget, govt borrowing and the RBI: Managing mounting FY27 pressures
The Centre's higher gross borrowing won't be a challenge in FY27, but the increasing size of state development loans is a concern
 "The Budget, govt borrowing and the RBI: Managing mounting FY27 pressures")
The long road to recovery: Need to expand NCLT strength to reduce delays
India's bad loan problem is easing, but rising delays at the NCLT highlight the urgent need to expand tribunal strength to speed up insolvency resolution
 "The long road to recovery: Need to expand NCLT strength to reduce delays")
Compliance to compassion: A cultural shift at India's financial regulator
A cultural shift for India's financial regulator - from rule-based monitor to human-centred facilitator
 "Compliance to compassion: A cultural shift at India's financial regulator")
Three challenges in 2026: Bond yield, currency, and deposit mobilisation
If these are the three challenges, there are also three key developments that everyone will watch out for
 "Three challenges in 2026: Bond yield, currency, and deposit mobilisation")
50 years of RRBs: A story of reform and transformation in rural India
After consolidation, creating a national rural bank holding company, an apex body to oversee governance, capital support, and technology integration across RRBs can be considered
 "50 years of RRBs: A story of reform and transformation in rural India")
Sanjay Malhotra's first year as RBI governor: Stability with reforms
The RBI under him prizes stability, yet remains open to reform. The onus is on the banking industry to prove it deserves Malhotra's trust
 "Sanjay Malhotra's first year as RBI governor: Stability with reforms")
RBI brings early Christmas: Room left for another 25-bps rate cut
If inflation undershoots RBI projections and growth faces roadblocks from trade barriers and geopolitics, another 25-bps rate cut will not be a surprise
 "RBI brings early Christmas: Room left for another 25-bps rate cut")
December monetary policy a close call; all eyes on RBI's communication
With inflation at a record low of 0.25% and robust GDP growth, the RBI faces a close call between supporting the economy and a weakening rupee
 "December monetary policy a close call; all eyes on RBI's communication")
Banks' good run on, but there are challenges despite profit growth
As a group, the PSBs showed better growth both in advances and deposits compared with their private peers. Will they be able to keep the momentum going and grow their market share?
 "Banks' good run on, but there are challenges despite profit growth")
Can banking regulator consider a 'check' tool for online deposit safety?
The Reserve Bank of India has already put in place a detailed fraud risk management framework for all regulated entities
Who ate the banks' cake? Indian banking sees structural deposit shift
As deposit growth lags credit expansion, Indian banks face shrinking low-cost Casa inflows, rising funding costs, and structural shifts driven by UPI, e-Kuber, and digital savings trends
 "Who ate the banks' cake? Indian banking sees structural deposit shift")
A new wave of reforms set to sweep banking, boost capital and growth
At this juncture, allowing higher foreign stake in PSBs is the right call. It will help them increase capital and scale up business
 "A new wave of reforms set to sweep banking, boost capital and growth")
As insurance regulator, I have an open mind: Irdai Chairman Ajay Seth
IRDAI chief outlines priorities on GST reforms, capital efficiency, Bima Sugam rollout, and risk-based supervision, promising orderly growth and stronger policyholder protection
 "As insurance regulator, I have an open mind: Irdai Chairman Ajay Seth")
The changing turf for foreign banks amid selective opening, scrutiny
The move is towards opening up the sector, but selectively, with regulatory scrutiny and special approval
Can private bankers run PSBs? Govt needs patience to make it work
Yes, they can. But to make the experiment successful, the government must have patience
 "Can private bankers run PSBs? Govt needs patience to make it work")
Top jobs at PSBs: Pride and prejudice over opening doors to private talent
Opening top positions at public sector banks for private candidates is a welcome move. Delinking their salary from the IAS is the next logical step
 "Top jobs at PSBs: Pride and prejudice over opening doors to private talent")
Beyond a bank's balance sheet: Customer service takes centre stage
Rankings based on redressal of customer complaints are finally making banks and insurance companies realise the importance of customers service
 "Beyond a bank's balance sheet: Customer service takes centre stage")
Wave of liberalisation sweeps banking industry as RBI eases rules
But not too many will be surprised if RBI Governor Sanjay Malhotra plays the Santa Claus in December, bringing an early Christmas
 "Wave of liberalisation sweeps banking industry as RBI eases rules")