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Dinesh Unnikrishnan

Editor-Banking & Finance

Moneycontrol

Editor-Banking & Finance at Moneycontrol. Dinesh heads the Banking and Finance Bureau at Moneycontrol. He also writes a weekly column, Banking Central, every Monday.

What the latest banking results tell us

BUSINESS

What the latest banking results tell us

The latest numbers show strength at the top, hesitant recovery below, and a system that is safer but far from balanced

Banking Central | Has bank recapitalisation run its course?

BUSINESS

Banking Central | Has bank recapitalisation run its course?

After a decade of state support, Budget 2026 must decide whether PSBs still need the taxpayer’s shoulder

Moneycontrol Pro Panorama | What the World Bank’s upgrade really means for India

BUSINESS

Moneycontrol Pro Panorama | What the World Bank’s upgrade really means for India

In this Moneycontrol Pro Panorama edition: A sturdier global economy buys India time, not complacency.

Budget Snapshot: Why India’s Budget is paying more for the past than the future

BUSINESS

Budget Snapshot: Why India’s Budget is paying more for the past than the future

Official budget documents and parliamentary analyses show that interest outgo has become one of the largest and least flexible components of central government expenditure

A quiet inflation print, and loud signals for policy

BUSINESS

A quiet inflation print, and loud signals for policy

December’s CPI number gives both the RBI and the government something they have lacked for years--policy space

What Budget 2026 should — and should not — do for India’s banks

BUSINESS

What Budget 2026 should — and should not — do for India’s banks

With balance sheets finally clean, the banking system doesn’t need a rescue act. It needs restraint, clarity and one hard look at deposits

Banking Central | Why small savings rates are holding back India’s banks

BUSINESS

Banking Central | Why small savings rates are holding back India’s banks

Indian banks have moved past the era of stress. Their main challenge today isn’t lending—it’s mobilising deposits in a system distorted by small savings schemes.

Moneycontrol Pro Panorama | What does Trump’s wordplay mean for India?

BUSINESS

Moneycontrol Pro Panorama | What does Trump’s wordplay mean for India?

For Moneycontrol Pro Panorama edition: Washington’s tariff threat over Russian oil is less about geopolitics and more about leverage

Budget Snapshot | India’s banks look healthy, but the real risk lies beneath the balance sheet

BUSINESS

Budget Snapshot | India’s banks look healthy, but the real risk lies beneath the balance sheet

Strong capital, low NPAs and rising profits mask a quieter shift in how Indian banks fund growth and earn returns

Banks struggle to attract deposits as government keeps small savings rates high

BUSINESS

Banks struggle to attract deposits as government keeps small savings rates high

For the eighth consecutive quarter, interest rates on popular small savings instruments have been left untouched. With small savings rates frozen and liquidity staying tight, India’s banks are boxed in even as the RBI eases policy

Banking Central | Why the real rate war is on liability side of bank balance sheets

BUSINESS

Banking Central | Why the real rate war is on liability side of bank balance sheets

Even after RBI cut the repo rate by a cumulative 125 basis points since February last year, banks have found it difficult to mobilise deposits at a speed that matches credit demand

RBI Financial Stability Report: Banks’ clean-up is real -- but the hard work isn’t over yet

BUSINESS

RBI Financial Stability Report: Banks’ clean-up is real -- but the hard work isn’t over yet

With NPAs at multi-decade lows, lenders have earned bragging rights. The next test is whether this improvement survives a tougher credit cycle.

Moneycontrol Pro Panorama | Steel Walls Return: India’s safeguard duty is about time, not China

BUSINESS

Moneycontrol Pro Panorama | Steel Walls Return: India’s safeguard duty is about time, not China

In this December 31 edition of Moneycontrol Pro Panorama: The three-year levy on steel imports signals Delhi’s unease with a flood of cheap metal, but protection is only a pause button, not a cure.

Chart of the Day | What the latest IIP numbers tell us

BUSINESS

Chart of the Day | What the latest IIP numbers tell us

November’s IIP print suggests India’s industrial engine may finally be running on more than hope.

IBC at the crossroads: The direction that 2026 must show

BUSINESS

IBC at the crossroads: The direction that 2026 must show

After nearly a decade, India’s bankruptcy law faces a moment of reckoning on haircuts, delays and credibility

Banking Central | How will payments reshape in the new year?

BUSINESS

Banking Central | How will payments reshape in the new year?

The age of cashless convenience is over. The coming year will test who really owns India’s payment rails.

Will India's microfinance sector return to high growth in 2026?

BUSINESS

Will India's microfinance sector return to high growth in 2026?

After a bruising phase of stress and slowdown, microfinance heads into 2026 seeking balance between growth and discipline

Moneycontrol Pro Panorama | America rewrites the H-1B rulebook. Indians will feel it first

BUSINESS

Moneycontrol Pro Panorama | America rewrites the H-1B rulebook. Indians will feel it first

For Moneycontrol's Pro Panorama December 24 edition: A wage-weighted H-1B lottery could reshape the American job pipeline that Indian tech talent has relied on for decades

Chart of the Day | A year in numbers: What high frequency data say about India’s economic momentum

BUSINESS

Chart of the Day | A year in numbers: What high frequency data say about India’s economic momentum

Strip away monthly volatility and a year-long view of high-frequency indicators points to steady economic activity, supported by goods movement, fuel demand and digital payments

Banking Central | Will 2026 be a happy new year for India's crypto investor?

BUSINESS

Banking Central | Will 2026 be a happy new year for India's crypto investor?

Despite regulatory scepticism, crypto still wants India and Indians want crypto. 2026 will test how this relationship shapes

Banks hold promise for growth in 2026, will they deliver?

BUSINESS

Banks hold promise for growth in 2026, will they deliver?

An economy that is lending more, writing off less and cleaning up legacy stress sets the stage for a banking revival. But risks remain

Moneycontrol Pro Panorama | Falling rupee, a new normal?

BUSINESS

Moneycontrol Pro Panorama | Falling rupee, a new normal?

For Moneycontrol's Pro Panorama December 17 edition: The currency’s fall is less about panic and more about how India is absorbing global capital shocks

Chart of the Day | India’s credit comeback story, with a caveat

BUSINESS

Chart of the Day | India’s credit comeback story, with a caveat

Retail credit demand has revived, but early warning signals suggest lenders should celebrate cautiously

Banking Central | 2025: The year that wasn’t for Indian banking

BUSINESS

Banking Central | 2025: The year that wasn’t for Indian banking

The year 2025 was to be the year of fireworks for Indian banking but it is winding up on a staid note with several unresolved issues carried into the new year

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