Tamal Bandyopadhyay

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

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

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

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

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

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

When deposits become 'assets' of banks: Innovation needed beyond high rates

Offering a higher interest rate is an easy but costly solution

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

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

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 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

Microfinance growth driven more by lenders' loan disbursement than demand

Borrowers are being chased by different kinds of lenders -- universal banks, small finance banks, NBFCs, MFIs and fintechs

Banker's Trust: All you want to know about SROs in finance sector

The key to effective implementation of the SRO regime is avoiding overlap

From perestroika to glasnost: Efforts underway to make insurance inclusive

All efforts are on to make insurance inclusive and attract global investors. The second, and concluding, part of the column on 25 years of the insurance industry

25 years of the Indian insurance industry: Here are the hits and misses

De-tariffing and portability are two milestones ahead of the Insurance Act amendment that made health insurance an independent line of business and raised FDI limits to 49%. The first of 2 part column

What's your credit score? Know how its behaviour affects financial health

Higher frequency of credit data reporting is a win-win for credit bureaus, borrowers and lenders