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 4 - Tamal Bandyopadhyay
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)
 "Money in people's hands, and more: Budget balances growth, fiscal goals")
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
 "Greed to fear, the changing face of cyberfraud and India's challenge")
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?
 "What lies ahead for banking and financial sector in the Year of the Snake?")
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
 "2024 financial wrap: Inflation, GDP, and RBI's regulatory 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
 "An open letter to the RBI Governor: On growth, inflation, rupee challenges")
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
 "Will RBI Governor Shaktikanta Das get another term or pass the baton?")
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 review: A cautiously dovish, par-for-the-course policy")
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
 "Monetary policy: RBI faces Hobson's choice on policy rate cut decision")
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
 "Other side of financialisation: Unsecured loans flowing into stock market?")
Banks post profit gains, but NIM declines signal margin pressure
While the banking sector has improved its risk-management and underwriting skills to prevent bad loans, it needs to be innovative to mobilise deposits and keep the cost of money low
 "Banks post profit gains, but NIM declines signal margin pressure")
Perils of the 'push' loan phenomenon and rural India's rising debt burden
Rural households are increasingly depending on borrowed money to meet everyday consumption needs, a practice that is not sustainable in the long run
 "Perils of the 'push' loan phenomenon and rural India's rising debt burden")
BS BFSI Summit: Esma being extra-jurisdictional is RBI's stand, says DG
He also spoke about how the RBI is looking to internationalise the Unified Payments Interface, and the plans for the Unified Lending Interface and central bank digital currency
 "BS BFSI Summit: Esma being extra-jurisdictional is RBI's stand, says DG")
Our action against NBFCs not punitive but corrective: RBI Guv at BS BFSI
He said the Indian financial sector is resilient enough to deal with any spillover from the external world on a day markets turned volatile following the US election results
 "Our action against NBFCs not punitive but corrective: RBI Guv at BS BFSI")
How election promises of farm loan waivers hurt India's banking sector
Many bankers are complaining about deteriorating credit culture. The villain is farm loan waivers, often a promise of political parties ahead of elections
 "How election promises of farm loan waivers hurt India's banking sector")
When deposits become 'assets' of banks: Innovation needed beyond high rates
Offering a higher interest rate is an easy but costly solution
 "When deposits become 'assets' of banks: Innovation needed beyond high rates")
RBI walks the talk: NBFCs should cut usurious interest rates, high fees now
The NBFCs, which have been punished or are likely to be punished, should bring down the usurious interest rates, high fees and penalties without losing time
 "RBI walks the talk: NBFCs should cut usurious interest rates, high fees now")
PSU defaults, moral hazards: Can banks keep relying on govt ownership?
MTNL and RINL aren't good stories, particularly when both lenders and investors are getting their appetite for the infrastructure sector back
 "PSU defaults, moral hazards: Can banks keep relying on govt ownership?")
RBI holds repo rate, adopts neutral stance, opens door for rate cut
If we see higher inflation in September-October and 7% GDP growth in September quarter, will the RBI go for a rate cut in December? Or, will that be pushed to February?
 "RBI holds repo rate, adopts neutral stance, opens door for rate cut")
RBI monetary policy: Status quo on rates; stance may remain unchanged
Growth-inflation dynamics are shifting slowly, but the RBI may not be in a hurry to act amid too many uncertainties
 "RBI monetary policy: Status quo on rates; stance may remain unchanged")