 "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.
Tamal Bandyopadhyay
Forex curbs cannot last as rupee internationalisation is RBI's top agenda
India's forex reserves, at $700.9 billion, though lower than their late-February peak, are adequate. Selling dollars to arrest currency depreciation cannot be a never-ending process
 "Forex curbs cannot last as rupee internationalisation is RBI's top agenda")
A year of foreign play in finance: A roundup of FY26's defining moves
When it came to banking, the turf on which foreign banks play in India saw dramatic developments last year; the lens through which the banking regulator viewed them also changed
 "A year of foreign play in finance: A roundup of FY26's defining moves")
RBI goes for extended pause before rate hike amid rising uncertainties
RBI holds rates and signals a prolonged pause, balancing strong domestic fundamentals against rising global risks and persistent uncertainty
 "RBI goes for extended pause before rate hike amid rising uncertainties")
What next from MPC? RBI may retain no-action, wait-&-watch policy
This time, communication will be key, not action
 "What next from MPC? RBI may retain no-action, wait-&-watch policy")
Window dressing of accounts: A common March-end ritual for many banks
Ever wondered why banks' advances and deposits spike in the last few days of March - only to drop soon after?
 "Window dressing of accounts: A common March-end ritual for many banks")
The story behind promotions in PSBs and the growing need for reform
The challenge is to transform the promotion process from a source of distrust to a catalyst for developing genuine leaders
 "The story behind promotions in PSBs and the growing need for reform")
Of mis-selling and insurance for all by 2047: A bancassurance reality check
How to make bancassurance a genuine vehicle for financial security rather than a source of grievance and distrust
 "Of mis-selling and insurance for all by 2047: A bancassurance reality check")
India takes small, steady steps towards rupee's internationalisation
The beginning of what could be a multi-decade journey has been made. It will be a slow, consistent process, not a hasty one that may cause disruptions
 "India takes small, steady steps towards rupee's internationalisation")
PSBs outperform private peers yet again as quarterly profits hit new high
The combined net profit of listed universal banks crossed Rs 1 trillion for the first time in a quarter, in December, with three banks contributing at least 50% to it
The story behind mis-selling: A byproduct of bank incentive architecture
Mis-selling is not an aberration but a structural byproduct of the current incentive architecture in most banks
 "The story behind mis-selling: A byproduct of bank incentive architecture")
Wanted: A new model for microfinance as MFIs explore secured products
Some MFIs are turning into business correspondents. They are also looking for more secured loans, one of the products being loan against gold
 "Wanted: A new model for microfinance as MFIs explore secured products")
A 'placeholder' monetary policy underscores RBI's wait-and-watch approach
The decision for the status quo on the policy rate was unanimous. As for the stance, one of the six MPC members, Ram Singh, held a different view, favouring a change to "accommodative"
 "A 'placeholder' monetary policy underscores RBI's wait-and-watch approach")
Union Budget 2026-27: Govt borrowing challenge passed on to RBI
Budget FY27 signals deeper banking reforms, possible PSB consolidation and higher borrowing, shifting the onus to RBI to manage yields and liquidity
 "Union Budget 2026-27: Govt borrowing challenge passed on to RBI")
The Budget, govt borrowing and the RBI: Managing mounting FY27 pressures
The Centre's higher gross borrowing won't be a challenge in FY27, but the increasing size of state development loans is a concern
 "The Budget, govt borrowing and the RBI: Managing mounting FY27 pressures")
The long road to recovery: Need to expand NCLT strength to reduce delays
India's bad loan problem is easing, but rising delays at the NCLT highlight the urgent need to expand tribunal strength to speed up insolvency resolution
 "The long road to recovery: Need to expand NCLT strength to reduce delays")
Compliance to compassion: A cultural shift at India's financial regulator
A cultural shift for India's financial regulator - from rule-based monitor to human-centred facilitator
Three challenges in 2026: Bond yield, currency, and deposit mobilisation
If these are the three challenges, there are also three key developments that everyone will watch out for
 "Three challenges in 2026: Bond yield, currency, and deposit mobilisation")
50 years of RRBs: A story of reform and transformation in rural India
After consolidation, creating a national rural bank holding company, an apex body to oversee governance, capital support, and technology integration across RRBs can be considered
 "50 years of RRBs: A story of reform and transformation in rural India")
Sanjay Malhotra's first year as RBI governor: Stability with reforms
The RBI under him prizes stability, yet remains open to reform. The onus is on the banking industry to prove it deserves Malhotra's trust
 "Sanjay Malhotra's first year as RBI governor: Stability with reforms")
RBI brings early Christmas: Room left for another 25-bps rate cut
If inflation undershoots RBI projections and growth faces roadblocks from trade barriers and geopolitics, another 25-bps rate cut will not be a surprise
 "RBI brings early Christmas: Room left for another 25-bps rate cut")