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.
Page 3 - Tamal Bandyopadhyay
The curious story of 'boring' RBI monetary policy and witty money men
Beyond growth-inflation dynamics, let's revisit moments when central bankers brought humour to the table
 "The curious story of 'boring' RBI monetary policy and witty money men")
Mis-selling of a different kind: Are PMJJBY, PMSBY statistical illusions?
If awareness remains low, frauds persist and genuine claims continue to be rejected, these initiatives will be successes only on paper, with negligible on-ground impact
 "Mis-selling of a different kind: Are PMJJBY, PMSBY statistical illusions?")
When DFS Secretary Nagaraju played the role of King Vikramaditya
Customer service and excellence are buzzwords in the Indian financial system now. Both the government and the Reserve Bank of India (RBI) are writing a new chapter in Indian banking
 "When DFS Secretary Nagaraju played the role of King Vikramaditya")
Are we on the cusp of an insurance revolution transforming India?
The stage is set - not just for incremental growth, but for a structural leap that can redefine how insurance is accessed, delivered and experienced across India
 "Are we on the cusp of an insurance revolution transforming India?")
Too many episodes of financial mismanagement: Where does the buck stop?
Should the resignation of senior bankers on moral grounds draw the curtains on mismanagement and accounting discrepancies?
 "Too many episodes of financial mismanagement: Where does the buck stop?")
How to make health insurance healthy: Curb frauds with healthcare regulator
A healthcare regulator on the lines of the Real Estate Regulatory Authority could standardise hospital pricing and treatment protocols, and reduce frauds
 "How to make health insurance healthy: Curb frauds with healthcare regulator")
What came first, chicken or egg? The promotion puzzle at a mortgage firm
More than half of whistleblowing complaints made in 2024 were HR-related, according to a recent survey by Safecall, a whistleblowing software and services provider
 "What came first, chicken or egg? The promotion puzzle at a mortgage firm")
Banker's Trust: An 8-minute video and a general manager's promotion
Follow the rule book, don't take any initiative, don't try to be innovative. With such vigilance shackles, will public sector banks ever be able to compete with private sector banks?
Monetary Policy: RBI cuts repo rate, charts out path for the future
RBI Governor Sanjay Malhotra's statement explains what an accommodative monetary policy stance means it is geared towards stimulating the economy through softer interest rates
 "Monetary Policy: RBI cuts repo rate, charts out path for the future")
RBI monetary policy: Expect 25-bp rate cut, but no change in stance
As headline inflation moves closer to RBI's target, and growth momentum remains elusive, a rate cut may be on the cards
 "RBI monetary policy: Expect 25-bp rate cut, but no change in stance")
All about liquidity management: Keep call money rate close to repo rate
While the repo window serves as a monetary stabilisation mechanism that the RBI uses as a daily liquidity management tool, the repo rate is an interest rate signal
 "All about liquidity management: Keep call money rate close to repo rate")
The liquidity conundrum: Rate cuts need right balance in financial system
How much liquidity do we need: Appropriate, adequate, or abundant? To inject growth instinct, adequate liquidity needs to complement rate cut
 "The liquidity conundrum: Rate cuts need right balance in financial system")
Time for RBI to revisit bank CEO appointment and reappointment process
It's time for the RBI to revisit the process to clear the appointment of a bank CEO as well as the extension of their tenure
 "Time for RBI to revisit bank CEO appointment and reappointment process")
Women's access to finance: An incomplete story of gender gap in labour mkt
If India wants to be recognised as a developed country by 2047, narrowing gender gap in the labour market is as important as women's access to finance
 "Women's access to finance: An incomplete story of gender gap in labour mkt")
Did bankers act as Frankenstein? Rethinking savings bank deposit strategies
Privately, many bankers admit their immediate goal is not growth but slowing the erosion of Casa deposits. They need targeted strategies for different customer segments
Tough time ahead for banking sector as low-cost funds shrink, margins drop
Given the sharp correction in equities and a drop in the flow of money to mutual funds, some banks have started seeing a return of depositors
Is 'one state, one RRB' plan right solution for struggling banks?
Do we need RRBs? Regional rural banks are fraught with problems, from financial to governance issues
 "Is 'one state, one RRB' plan right solution for struggling banks?")
The phoenix of India's financial system: Microfinance's path to recovery
Karnataka is going the Andhra, Assam way to take the microfinance industry head-on. Will it rise from the current mess?
 "The phoenix of India's financial system: Microfinance's path to recovery")
Monetary policy: A rate cut, and much more once the rupee stabilises
The RBI reduced its policy repo rate by 25 basis points (bps) to 6.5 per cent in the first rate cut since May 2020, when there had been a 40-bp reduction to 4 per cent amid Covid
 "Monetary policy: A rate cut, and much more once the rupee stabilises")
50:50 chance: Will RBI cut rates, infuse liquidity amid currency pressure?
It can, if it is convinced that the adjustment in the rupee valuation has already been done and the local currency has found its own level
 "50:50 chance: Will RBI cut rates, infuse liquidity amid currency pressure?")