Tamal Bandyopadhyay
 "Tamal Bandyopadhyay")
Tamal Bandyopadhyay
Tamal Bandyopadhyay is an Indian business journalist, known for his weekly column on banking and finance ‘Banker’s Trust’ published in Business Standard. He is a senior advisor to Jana Small Finance Bank Ltd. He was an adviser at Bandhan Bank Ltd from August 2014 till October 2018. His latest book is Roller Coaster: An Affair with Banking. A student of English Literature (a postgraduate from the University of Calcutta), Bandyopadhyay began his career in journalism as a trainee journalist with The Times of India, in Mumbai in 1985.
Tamal Bandyopadhyay is an Indian business journalist, known for his weekly column on banking and finance ‘Banker’s Trust’ published in Business Standard. He is a senior advisor to Jana Small Finance Bank Ltd. He was an adviser at Bandhan Bank Ltd from August 2014 till October 2018. His latest book is Roller Coaster: An Affair with Banking. A student of English Literature (a postgraduate from the University of Calcutta), Bandyopadhyay began his career in journalism as a trainee journalist with The Times of India, in Mumbai in 1985.
Tamal Bandyopadhyay
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")
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
 "Microfinance growth driven more by lenders' loan disbursement than demand")
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
 "Banker's Trust: All you want to know about SROs in finance sector")
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
 "From perestroika to glasnost: Efforts underway to make insurance inclusive")
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
 "25 years of the Indian insurance industry: Here are the hits and misses")
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
 "What's your credit score? Know how its behaviour affects financial health")
SBI's Dinesh Khara era ends, his successor CS Setty has new challenges
With Dinesh Khara's legacy of stock market's love for State Bank of India, his successor CS Setty faces the task of sustaining this momentum while war for deposits continues on the banking turf
 "SBI's Dinesh Khara era ends, his successor CS Setty has new challenges")
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