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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.

Moneycontrol Pro Panorama | What does the rising tide of credit card spending tell us?

BUSINESS

Moneycontrol Pro Panorama | What does the rising tide of credit card spending tell us?

In October 29 edition of Moneycontrol Pro Panorama: Clearly, the risk of future defaults looms large if the economy and job market falter.

Banking Central | Credit is the new festival offer

BUSINESS

Banking Central | Credit is the new festival offer

India’s festive season boom isn’t just about rising consumption, it’s how borrowing has become part of everyday financial behaviour

Moneycontrol Pro Panorama | Easy money meets eager borrowers

BUSINESS

Moneycontrol Pro Panorama | Easy money meets eager borrowers

The credit boom looks good for fintechs--but not without risks

Banking Central | What the 2025 gold price surge means for Indian lenders

BUSINESS

Banking Central | What the 2025 gold price surge means for Indian lenders

Higher metal prices raise the marked-to-market value of pledged jewellery, improving loan-to-value (LTV) cushions for the same quantum of lending

Moneycontrol Pro Panorama | MPC’s December dilemma: Cut now or watch opportunity slip?

BUSINESS

Moneycontrol Pro Panorama | MPC’s December dilemma: Cut now or watch opportunity slip?

For Moneycontrol's Pro Panorama October 15 edition: Growth is accelerating, inflation is evaporating. What will the RBI do?

Banking Central | RBI's digital innovation: Laudable moves but caution is a must

BUSINESS

Banking Central | RBI's digital innovation: Laudable moves but caution is a must

The Unified Lending Interface paves the way for a blockchain powered financial future but the RBI will need the guardrails in place to thwart threat actors who are always a step ahead

Moneycontrol Pro Panorama | Central Banks Rush to Gold: A $4,000 warning sign the global order is cracking

BUSINESS

Moneycontrol Pro Panorama | Central Banks Rush to Gold: A $4,000 warning sign the global order is cracking

In Moneycontrol Pro Panorama October 8 edition: Central banks and investors are treating bullion as insurance against the age of distrust

Banking Central | What does the monetary policy mean for you and your budget?

BUSINESS

Banking Central | What does the monetary policy mean for you and your budget?

Decoding the RBI's October review: Rate cuts remain distant, EMIs stay where they are

Moneycontrol Pro Panorama | RBI stays put, but don’t miss the signalling  

BUSINESS

Moneycontrol Pro Panorama | RBI stays put, but don’t miss the signalling  

In Moneycontrol Pro Panorama October 1 edition: By holding rates steady and lowering its inflation outlook, the central bank is telling markets it has room to wait out

Banking Central | Why it is a win-win for PSBs and NBFCs to join hands in MSME lending

BUSINESS

Banking Central | Why it is a win-win for PSBs and NBFCs to join hands in MSME lending

Entering in pact with NBFCs can help banks expand reach but with necessary checks

Moneycontrol Pro Panorama | Trump’s war on multilateralism is a mistake

BUSINESS

Moneycontrol Pro Panorama | Trump’s war on multilateralism is a mistake

In Moneycontrol Pro Panorama September 24 edition: By mocking climate change and rubbishing institutions like the UN, Trump is dismantling the very system that keeps global order intact

Banking Central | Be watchful in good times to avert bad ones

BUSINESS

Banking Central | Be watchful in good times to avert bad ones

Most of the past crises erupted not during downturns but amid seeming prosperity, often due to governance lapses, evergreening of loans and regulatory blind spots. Complacency can lead to another Yes Bank or PMC debacle

Moneycontrol Pro Panorama | Is gold’s current run speculative?

BUSINESS

Moneycontrol Pro Panorama | Is gold’s current run speculative?

For Moneycontrol Pro Panorama September 17 edition: Indian investors must weigh the line between protection and froth amid gold rush

Banking Central | Why investors must not ignore RBI’s warnings on crypto

BUSINESS

Banking Central | Why investors must not ignore RBI’s warnings on crypto

The RBI has been warning for years, flagging the role of cryptocurrency in laundering, terror finance and tax evasion

Moneycontrol Pro Panorama | Why Nepal is in flux? A key answer lies in its growing economic woes

BUSINESS

Moneycontrol Pro Panorama | Why Nepal is in flux? A key answer lies in its growing economic woes

In September 10 edition of Moneycontrol Pro Panorama: Youth rebellion fuelled by unemployment, corruption, and stagnation highlights missed opportunities amid a fragile economy

Banking Central | Mint Road is upgrading its tech, that is a good change

BUSINESS

Banking Central | Mint Road is upgrading its tech, that is a good change

From data empowerment to digital platforms, the central bank is not just regulating but demonstrating how technology must shape the future of Indian finance

Moneycontrol Pro Panorama | Private capex surge signals India’s next growth push

BUSINESS

Moneycontrol Pro Panorama | Private capex surge signals India’s next growth push

In September 3 edition of Moneycontrol Pro Panorama: RBI’s projection of a 21.5% rise in private capital spending underscores confidence in the economy

Banking Central | Lessons from Chinese meltdown for Indian banks

BUSINESS

Banking Central | Lessons from Chinese meltdown for Indian banks

India's banking landscape, while distinct, shares some parallels with China's, especially in exposure to credit cycles and non-performing assets.

Banking Central | What does New India Coop Bank's case tell us about state of industry

BUSINESS

Banking Central | What does New India Coop Bank's case tell us about state of industry

The latest misappropriation scandal is a reminder that India’s cooperative banks remain captive to weak governance and political patronage. The cracks run deep.

Moneycontrol Pro Panorama| Can China be India’s trump card against Trump trade war?

BUSINESS

Moneycontrol Pro Panorama| Can China be India’s trump card against Trump trade war?

For Moneycontrol Pro Panorama August 20 edition: China talks aligns with India's push to diversify supply chains amidst a tough trade war with the US

Banking Central | RBI's AI ambition: Innovation yes, but not at the cost of chaos

BUSINESS

Banking Central | RBI's AI ambition: Innovation yes, but not at the cost of chaos

The RBI must address the unions' stark warnings or it risks amplifying inequalities and eroding public trust

Moneycontrol Pro Panorama| Dear central banker, give some love for growth now!

BUSINESS

Moneycontrol Pro Panorama| Dear central banker, give some love for growth now!

In August 13 edition of Moneycontrol Pro Panorama: As CPI figures signal a dovish turn for central banks, markets eye opportunities amid sticky services and base effects

Banking Central| ICICI Bank’s Rs 50,000 MAB move: A bold bet or a blunder? Let the market decide

BUSINESS

Banking Central| ICICI Bank’s Rs 50,000 MAB move: A bold bet or a blunder? Let the market decide

ICICI Bank’s steep minimum balance hike has sparked outrage but it’s the bank's call. Customers have options.

Moneycontrol Pro Panorama| RBI pauses, but with good reason

BUSINESS

Moneycontrol Pro Panorama| RBI pauses, but with good reason

Sanjay Malhotra’s steady hand signals RBI’s intent to assess past rate actions before moving forward

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