Page 3 - Tamal Bandyopadhyay

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

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

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

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

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

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?

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

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

Money in people's hands, and more: Budget balances growth, fiscal goals

As expected, the Revised Estimate of the fiscal deficit for the current financial year was pegged at 4.8 per cent of the gross domestic product (GDP)

A Budget beyond popcorn: Focus on capex and consumer-driven growth

The government needs to spend more on capex and allow consumers to have money in their pockets if it wants growth. Let's focus on the real issues

Greed to fear, the changing face of cyberfraud and India's challenge

India needs to repeat what it did for financial inclusion - launch a nationwide campaign -- to tackle cybercrime

What lies ahead for banking and financial sector in the Year of the Snake?

Will we see a new trend with the sector shedding its skin and transforming itself? Or, will the theme of the year remain continuity with change?

2024 financial wrap: Inflation, GDP, and RBI's regulatory vigilance

The overarching theme of this year has been the RBI's new approach to vigilance

An open letter to the RBI Governor: On growth, inflation, rupee challenges

You have come at a time when the growth-inflation dynamics is changing and the rupee is under pressure

Will RBI Governor Shaktikanta Das get another term or pass the baton?

The match is being played at Arun Jaitley Stadium, but the entire financial world is watching it

Monetary policy review: A cautiously dovish, par-for-the-course policy

In his interaction with the media, Das described the CRR cut as "normalisation" of its level. It was raised to 4.5 per cent in April 2022 when the last policy-tightening cycle started

Monetary policy: RBI faces Hobson's choice on policy rate cut decision

This policy comes at a time when growth is slowing, inflation is still pretty high, and the rupee has started losing value against the dollar

Other side of financialisation: Unsecured loans flowing into stock market?

There's been a dramatic rise in loans against gold in the past one year, but growth in unsecured loans is slowing. Bank loans to the NBFC sector have also dipped