 "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
When gold loses its glitter
The regulatory framework effective April 2026 has created the foundation for mitigating risks in gold loans but more needs to be done
 "When gold loses its glitter")
From PCA to Prem Watsa: IDBI Bank's long road to privatisation
Banks in a growing economy need patient, long-term foreign capital with good governance to meet credit demand
 "From PCA to Prem Watsa: IDBI Bank's long road to privatisation")
King Canute and the sea waves
Let the rupee find its own level but allow that to happen in a calibrated way
 "King Canute and the sea waves")
A look at insurance sector reforms
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
 "A look at insurance sector reforms")
Hawkish hike, but measured path ahead
Depending on growth-inflation dynamics, the repo rate could rise to 6-6.25 per cent next year
 "Hawkish hike, but measured path ahead")
Rate hike? Yes, but how long is the cycle?
We need to watch how entrenched inflation is and how demand-led growth is
Why it's time for Indian banks to finally adopt a five-day working week
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
 "Why it's time for Indian banks to finally adopt a five-day working week")
IBC: The personal guarantee puzzle
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
 "IBC: The personal guarantee puzzle")
Ban on flexi-loans: Should RBI be flexible?
The defining feature of a flexi-loan is amortisation. Instead of a blanket ban, the regulator may consider certain structural safeguards against evergreening
 "Ban on flexi-loans: Should RBI be flexible?")
From empty wallets to 24.5 bn transactions
The very idea of money is in flux. Digital money is gradually starting to behave like software
 "From empty wallets to 24.5 bn transactions")
A quiet revolution is lifting the poor
Much has been said about over-lending and defaults. Here's how lending works for the bottom-of-the-pyramid
 "A quiet revolution is lifting the poor")
No listed bank has even 1% net NPA: A milestone for asset quality
This is a rare phenomenon in the Indian banking industry. What's more, nine banks have half a per cent or more net NPAs
 "No listed bank has even 1% net NPA: A milestone for asset quality")
Wow! No listed bank has even 1% net NPA
This is a rare phenomenon in the Indian banking industry. What's more, nine banks have half a per cent or more net NPAs
UCBs: Past imperfect, present evolving as RBI revives on-tap licensing
The decision to reintroduce on-tap licensing for urban cooperative banks signals the regulator's growing confidence that governance reforms have created sufficient safeguards
 "UCBs: Past imperfect, present evolving as RBI revives on-tap licensing")
Trusted, trained and sometimes a threat: The risk within India's banks
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
 "Trusted, trained and sometimes a threat: The risk within India's banks")
Status quo policy: Rate hike may still not be on the cards this year
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
 "Status quo policy: Rate hike may still not be on the cards this year")
Wait-and-watch mode: Why the RBI MPC is likely to hold interest rates
The rate-setting body is likely to remain in wait-and-watch mode as uncertainties continue to cloud the macroeconomic outlook
 "Wait-and-watch mode: Why the RBI MPC is likely to hold interest rates")
The invisible heist: How bank staff exploit depositors' trust for fraud
The most alarming dimension of frauds perpetrated by insiders is their organised, multi-institutional character
 "The invisible heist: How bank staff exploit depositors' trust for fraud")
A midnight arrest and the anatomy of a bank fraud by a trusted insider
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
 "A midnight arrest and the anatomy of a bank fraud by a trusted insider")
Talent crunch: Why are there so few takers for top jobs in banks?
There are two key issues behind this phenomenon. The RBI and the government can solve this in a jiffy
 "Talent crunch: Why are there so few takers for top jobs in banks?")