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P2P lending: What's that?

Is it a liquid fund? Is it a fixed deposit? Is it a collective investment scheme?

Let customers enjoy freedom from banks' tyranny

The branch managers have come out of their glass cabins and the sellers' market has transformed into a buyers' market. But, there is no end to the harassment of customers

How much will be the next rate hike: 35 or 25 bps?

Since the RBI is determined to ensure a soft landing of the economy through front-loading the rate hikes, the probability of a 35-bps hike at the next meeting is strong

How much rate hike this week: 50 or 35 bps?

I would root for a 50-bps hike for now to demonstrate the RBI's resolve to fight inflation and stem deprecation of the rupee. Then it can cross the river by feeling the stones

Rupee at 80: What can be done?

We need to maintain the gap of interest rate differential with the US by raising rates in a meas­ured way and allow the rupee to find its own level

Nationalisation, consolidation and privatisation

Merely bringing down the government stake below 51 per cent may not find any taker for the PSBs. Is the government ready to give up its powers?

Negative interest rate and financial repression

Investments drive growth but how will investors get funds if the savings pile shrinks with no incentive to save in a negative interest rate regime?

Huge treasury loss staring at banks in June quarter

Will the RBI step in again to the rescue of the banks and ensure smooth sailing of the government's record borrowing plan this year?

Rating agencies caught in the crossfire

There are close to 300 triple-A rated companies. Many of them will be downgraded and banks' capital requirements will rise

The story behind the choice of RBL Bank CEO

Does this smack of the regulator's lack of confidence in the bank's board?

Both customers and banks to feel pain in new regime

The banks have a balm for their pain. Probably, shifting to floating rate deposits can work as an anaesthetic gel for some of the customers

RBI joins global central banks, more hikes to follow

The Indian central bank has now gone back to the familiar script, in line with the global central banks

Rate hike for sure, but by how much, Governor?

It's time the central bank talked about 'appropriate' liquidity instead of 'adequate' liquidity

Best year for Indian banks, but there are new challenges

As we celebrate the banks' performance in FY22, let's not throw caution to the wind

HDFC-HDFC Bank merger: Better late than never

There won't be instant gratification for investors but the move will catapult the bank into the big league

NPA: A monster created by RBI's forbearance?

In August 2008, the RBI allowed banks to restructure bad debt. It was a one-time measure put in place till June 30, 2009, but the forbearance ended almost a decade later

RBI falls in line with global central banks

Another rate hike in June is on the cards. The question is: How much? Could it be 75 bps at one go or staggered over the next two meetings?

Macro challenges of micro lenders

The freedom to fix interest rates has encouraged a few MFIs to jack up rates on Day One. It will take a while for borrowers to get the benefit as products, processes and digitisation evolve

Games foreign banks want to play on Indian turf

They are not willing to explore the mass market, fighting it out with local banks. The new target is the cream of retail business, which has been growing at a speed never seen before

Micro details of Indian banks' macro story

So far, the story reads well. We'll need to wait a couple of years to see how many restructured loans turn bad and whether some banks fall victim to their obsession for growth