 "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
Banks are in the pink of health, for now, but face twin challenges ahead
Twin challenges before banks are mobilisation of funds to support credit growth and fixing the cracks in certain segments of credit
 "Banks are in the pink of health, for now, but face twin challenges ahead")
Monetary policy: Reserve Bank of India opens window for dollar inflow
RBI has unveiled a five-pronged plan to attract foreign capital, boost dollar inflows, ease banking liquidity pressures and support the rupee
 "Monetary policy: Reserve Bank of India opens window for dollar inflow")
RBI MPC meet: Amid inflation, growth concerns, rate hike can wait for now
Inflation will rise in the second half of the year. Growth, too, will falter. It's time to explore other options
 "RBI MPC meet: Amid inflation, growth concerns, rate hike can wait for now")
More women seeking biz loans but two-thirds remain outside formal system
More Indian women are seeking business and retail loans, but nearly two-thirds still remain outside the formal credit system
 "More women seeking biz loans but two-thirds remain outside formal system")
Missing the woods for the trees? Why bank boards need a governance reset
For years, many bank boards drifted into operational minutiae-approving individual loans, vetting vendors, weighing in on promotions of executives - instead of setting up policies
 "Missing the woods for the trees? Why bank boards need a governance reset")
Performance, public-sector banks and George Bernard Shaw conundrum
The challenges before the performance-linked incentive structure of senior PSB executives
 "Performance, public-sector banks and George Bernard Shaw conundrum")
Time to say goodbye to subsidy for UPI? A case for tiered MDR regime
A time-bound, tiered MDR on large commercial UPI merchants, with small merchants and individuals permanently exempted, is in order, and so is revenue allocated to strengthen infra & rural expansion
 "Time to say goodbye to subsidy for UPI? A case for tiered MDR regime")
IBC overhaul: Hope for stalled dreams, debts as focus shifts to homebuyers
India's decade-old insolvency system is shifting its focus from lenders to becoming a lifeline for the ordinary citizen - the homebuyer
 "IBC overhaul: Hope for stalled dreams, debts as focus shifts to homebuyers")
Forex curbs cannot last as rupee internationalisation is RBI's top agenda
India's forex reserves, at $700.9 billion, though lower than their late-February peak, are adequate. Selling dollars to arrest currency depreciation cannot be a never-ending process
A year of foreign play in finance: A roundup of FY26's defining moves
When it came to banking, the turf on which foreign banks play in India saw dramatic developments last year; the lens through which the banking regulator viewed them also changed
 "A year of foreign play in finance: A roundup of FY26's defining moves")
RBI goes for extended pause before rate hike amid rising uncertainties
RBI holds rates and signals a prolonged pause, balancing strong domestic fundamentals against rising global risks and persistent uncertainty
 "RBI goes for extended pause before rate hike amid rising uncertainties")
What next from MPC? RBI may retain no-action, wait-&-watch policy
This time, communication will be key, not action
 "What next from MPC? RBI may retain no-action, wait-&-watch policy")
Window dressing of accounts: A common March-end ritual for many banks
Ever wondered why banks' advances and deposits spike in the last few days of March - only to drop soon after?
 "Window dressing of accounts: A common March-end ritual for many banks")
The story behind promotions in PSBs and the growing need for reform
The challenge is to transform the promotion process from a source of distrust to a catalyst for developing genuine leaders
 "The story behind promotions in PSBs and the growing need for reform")
Of mis-selling and insurance for all by 2047: A bancassurance reality check
How to make bancassurance a genuine vehicle for financial security rather than a source of grievance and distrust
 "Of mis-selling and insurance for all by 2047: A bancassurance reality check")
India takes small, steady steps towards rupee's internationalisation
The beginning of what could be a multi-decade journey has been made. It will be a slow, consistent process, not a hasty one that may cause disruptions
 "India takes small, steady steps towards rupee's internationalisation")
PSBs outperform private peers yet again as quarterly profits hit new high
The combined net profit of listed universal banks crossed Rs 1 trillion for the first time in a quarter, in December, with three banks contributing at least 50% to it
The story behind mis-selling: A byproduct of bank incentive architecture
Mis-selling is not an aberration but a structural byproduct of the current incentive architecture in most banks
 "The story behind mis-selling: A byproduct of bank incentive architecture")
Wanted: A new model for microfinance as MFIs explore secured products
Some MFIs are turning into business correspondents. They are also looking for more secured loans, one of the products being loan against gold
 "Wanted: A new model for microfinance as MFIs explore secured products")
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")