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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.

Banking Central | Microfinance stress is a warning sign the economy can’t ignore

BUSINESS

Banking Central | Microfinance stress is a warning sign the economy can’t ignore

Falling borrowers, rising delinquencies and bigger loans point to a fragile bottom of the pyramid

Quick Take | HDFC Bank’s unsettling governance moment

BUSINESS

Quick Take | HDFC Bank’s unsettling governance moment

Chairman’s unusual exit points to deeper issues that India’s biggest private bank cannot afford to ignore

Moneycontrol Pro Panorama | LPG shock could harm India’s informal economy

BUSINESS

Moneycontrol Pro Panorama | LPG shock could harm India’s informal economy

In March 18 edition of Moneycontrol Pro Panorama: The LPG shortage for commercial use is rippling through India’s food economy, posing a threat to incomes and jobs for informal workers

Chart of the Day | Rupee stays relatively steady in a turbulent currency market

BUSINESS

Chart of the Day | Rupee stays relatively steady in a turbulent currency market

The Iran war has shaken global markets and strengthened the dollar. Yet the rupee’s fall has been milder than many of its peers

RBI’s dividend reset puts weak banks on notice

BUSINESS

RBI’s dividend reset puts weak banks on notice

By tying payouts more tightly to capital buffers and bad loans, the central bank is quietly forcing banks to clean up their balance sheets before rewarding shareholders

Banking Central | What does RBI's new dividend rule mean for investors

BUSINESS

Banking Central | What does RBI's new dividend rule mean for investors

By linking payouts to capital strength and asset quality, the central bank is nudging banks towards discipline; that’s a good change

Moneycontrol Pro Panorama | Iran war’s first shock to India is in the kitchen

BUSINESS

Moneycontrol Pro Panorama | Iran war’s first shock to India is in the kitchen

For Moneycontrol's Pro Panorama March 11 edition: Across cities such as Bengaluru, Chennai and Mumbai, restaurants have begun reporting a sudden shortage of commercial LPG cylinders

Chart of the Day | When crude rises, India pays the price

BUSINESS

Chart of the Day | When crude rises, India pays the price

The Iran conflict is a reminder that every spike in Brent crude quickly feeds into India’s oil import bill and the consequences go far beyond fuel prices

Why RBI’s draft rules on limited customer liability in digital banking transactions matter

BUSINESS

Why RBI’s draft rules on limited customer liability in digital banking transactions matter

The proposal introduces partial compensation for smaller digital frauds

Banking Central | RBI’s digital transactions draft offers fraud protection to customers, shifts onus on lenders

BUSINESS

Banking Central | RBI’s digital transactions draft offers fraud protection to customers, shifts onus on lenders

The most important feature of the draft is the introduction of a compensation mechanism for small-value digital frauds, which account for the largest share of such unauthorised transactions

Moneycontrol Pro Panorama | Rupee at 92: Paying the price of a war we didn’t start

BUSINESS

Moneycontrol Pro Panorama | Rupee at 92: Paying the price of a war we didn’t start

In this edition of Moneycontrol Pro Panorama: Rupee crash adds to woes amid worsening global environment. This will have cascading effects on the economy

Chart of the Day | Credit card euphoria fades -- growth slows to a crawl

BUSINESS

Chart of the Day | Credit card euphoria fades -- growth slows to a crawl

It appears that unsecured retail lending is no longer running ahead of the system

Can the Middle-East war undo MPC’s hard-won inflation gains?

BUSINESS

Can the Middle-East war undo MPC’s hard-won inflation gains?

With the Strait of Hormuz shut and war continuing, the oil shock is no longer just a tail risk for India’s monetary policy

Banking Central | Digital banking frauds are rising. How do we stem the tide?

BUSINESS

Banking Central | Digital banking frauds are rising. How do we stem the tide?

Everyone from senior citizens to well-educated youth are losing money. What is missing here?

Moneycontrol Pro Panorama | Asset monetisation is easy, but PSU IPOs won’t be a cakewalk

BUSINESS

Moneycontrol Pro Panorama | Asset monetisation is easy, but PSU IPOs won’t be a cakewalk

In this edition of Moneycontrol Pro Panorama: NMP 2.0 is laudable and, if followed up well, can unlock huge capital for Indian economy

Chart of the Day | Solar power capacity jumped in last 2 years. A big opportunity for banks?

BUSINESS

Chart of the Day | Solar power capacity jumped in last 2 years. A big opportunity for banks?

Surya Ghar’s rapid rollout pushes rooftop solar into the mainstream. Banks have a big opportunity here.

Why IDFC First Bank’s Haryana shocker is a governance wake-up call for others

BUSINESS

Why IDFC First Bank’s Haryana shocker is a governance wake-up call for others

The Rs 590-crore fraud and the state’s swift de-empanelment order underline the importance of governance, risk management in institutions

Banking Central | MPC is right in holding fire for now but must prepare to move

BUSINESS

Banking Central | MPC is right in holding fire for now but must prepare to move

With inflation benign and growth firming up, the February MPC minutes show a central bank choosing patience over posturing. That caution is wise, for now

Moneycontrol Pro Panorama | Families are buying gold, and for a good reason

BUSINESS

Moneycontrol Pro Panorama | Families are buying gold, and for a good reason

In this edition of Moneycontrol Pro Panorama: From Indian Gen-Z buyers to Chinese festive shoppers and central banks, gold’s surge shows a change in investor behaviour

Chart of the Day | What is triggering the sharp growth in loans against gold jewellery?

BUSINESS

Chart of the Day | What is triggering the sharp growth in loans against gold jewellery?

Data shows a notable jump in the segment -- both on a year-on-year and financial year basis

Banking Central | Deposit protection rules are changing. Here’s why they matter to you

BUSINESS

Banking Central | Deposit protection rules are changing. Here’s why they matter to you

A new pricing model will push banks to behave better, strengthen the safety net for every saver

Moneycontrol Pro Panorama | A quiet rewrite in the US-India trade fact sheet

BUSINESS

Moneycontrol Pro Panorama | A quiet rewrite in the US-India trade fact sheet

In today’s edition of Pro Panorama: The credit upturn, Marico’s buyout hunger, tricky textile tariffs, Eicher firing on all cylinders and more

Deposit insurance body's risk-based pricing rewards banking discipline

BUSINESS

Deposit insurance body's risk-based pricing rewards banking discipline

By linking deposit insurance costs to behaviour, the RBI is nudging banks to internalise risk rather than outsource it to the system.

Chart of the Day | Credit is flowing, but is the cycle turning too fast?

BUSINESS

Chart of the Day | Credit is flowing, but is the cycle turning too fast?

RBI’s latest Bank Lending Survey signals confidence on demand and easy terms even as monetary caution lingers

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