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Thoughts on Budget and monetary policy

Beyond hype, if the Budget creates a platform for growth, the RBI will have to change the policy's stance, but that won't happen - now or even in April

Can we bank on the Budget?

The onus of reigniting India's growth engine is on the banking system. Will the Budget fuel it

Banking: Yesterday, today and tomorrow

With the customer spoilt for choice, the option for the banking industry in the new decade is between going digital or dying

Micro loans: Assam is not Andhra Pradesh

The Assam Bill is not a repeat of the 2010 Andhra Pradesh law, which almost killed the microfinance industry. Assam's share in micro lending is a fraction of what AP's was back then

Thoughts on banking in the new decade

Those banks that remain complacent, bragging about their captive customer base, may turn dinosaurs

Is Yes Bank out of the woods?

The bad loans can grow as much as by 15 per cent from the current level because of the pandemic, but there seems to be no skeleton left in its cupboard

Which bank next on the RBI radar?

If shareholders can throw the chairman and MD out, where is the sanctity of the RBI approval for such appointments?

A no-action monetary policy buys time for growth

The job of breaking the back of inflation is left to the government's proactive supply management strategies, for now

Three messages from the Lakshmi Vilas Bank deal

It sends a strong signal to promoters and influential investors in the not-so-well-run banks to behave or lose their shirt

Stimulus 3.0: Credit guarantee scheme recast a smart move

Critics may say it's postponing the inevitable, but considering the pros and cons, this is par for the course and the best part of Atmanirbhar Bharat 3.0 package

A fresh lease of life for real estate?

The Reserve Bank has taken all the right steps to attract home buyers and encourage housing finance companies. A couple of other things can complete the suite

Book excerpt: How RBI under Raghuram Rajan started the war against NPAs

The RBI found that the banks were delaying recognising large accounts as NPAs, even if projects were not starting up, and the 'project commencement' milestone was largely cosmetic

Is it curtains for the interest-waiver issue?

Interest is not being waived and the benefit is extended to all - including those who have not availed of the loan moratorium. So, it will not vitiate the credit culture

LVB: Past imperfect, present tense, future...?

What happened at the September 25 AGM is not just another instance of shareholder activism. With the mass ouster of not-so-independent directors, will things change?

Three cheers for RBI's October policy

The latest policy has taken a series of steps to ensure that the government is able to borrow from the market without paying too much and the banks continue to buy bonds

The task before the new SBI boss

The State Bank of India can be taken to the next level by transforming it into a marketplace to meet the financial needs of its corporate clients across the value chain

For RBI, bank compliance officers are no Cleopatra

Is the appointment age of the chief compliance officer in a bank capped anywhere in the world?

Turning banking on its head

The focus in banking has always been on protecting the depositors. Should the rules be rewritten, giving borrowers precedence?

Life after moratorium, for banks and borrowers

There are enough filters in the Covid-19 loan restructuring scheme to prevent misuse, but is it a tool to delay the growth in banks' bad loans? We will know after two years

Credit growth: Barking up the wrong tree?

It is unfair to expect risk capital from banks to prop up the economy. They deal with public money