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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 | 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.

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

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

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.

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.

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

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

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

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

Moneycontrol Pro Panorama | IndiGo’s turbulence is a wake-up call for India’s aviation industry

BUSINESS

Moneycontrol Pro Panorama | IndiGo’s turbulence is a wake-up call for India’s aviation industry

In Moneycontrol's Pro Panorama December 10 edition: A week of chaos, thousands of cancellations and a firm government nudge—IndiGo’s crisis shows how fragile airline operations can be when systems fail

Banking Central | The RBI has cut rates. But nothing changes overnight

BUSINESS

Banking Central | The RBI has cut rates. But nothing changes overnight

A 25 bps cut will help the economy, but don’t expect instant relief on your EMIs. Monetary policy works in slow motion.

Moneycontrol Pro Panorama | Bitcoin’s wild ride and what it really means for small investors

BUSINESS

Moneycontrol Pro Panorama | Bitcoin’s wild ride and what it really means for small investors

Moneycontrol Pro Panorama December 3 edition: A volatile rebound may make headlines, but ordinary savers must read through the noise.

Banking Central | A rate cut looks almost certain but the MPC must not lose its nerve

BUSINESS

Banking Central | A rate cut looks almost certain but the MPC must not lose its nerve

All signs point to a rate cut later this week

Moneycontrol Pro Panorama | What a December move by RBI, Fed means for the Indian economy

BUSINESS

Moneycontrol Pro Panorama | What a December move by RBI, Fed means for the Indian economy

In Moneycontrol Pro Panorama November 26 edition: For India, a rate cut right now is not just a monetary signal. It is a chance to revive momentum

Banking Central | What lies ahead for India’s shadow banks?

BUSINESS

Banking Central | What lies ahead for India’s shadow banks?

Competition, borrower leverage and tight bank funding mean NBFCs must grow with caution, not exuberance

Moneycontrol Pro Panorama | Fintechs are quietly winning the retail loan race

BUSINESS

Moneycontrol Pro Panorama | Fintechs are quietly winning the retail loan race

Moneycontrol's Pro Panorama November 19 edition: A silent shift is underway in India’s credit landscape, with fintechs pulling ahead in consumer lending while traditional banks remain trapped in their old ways.

Banking Central | What does RBI's relief package for exporters mean for banks

BUSINESS

Banking Central | What does RBI's relief package for exporters mean for banks

The central bank’s lifeline to exporters may be timely, but it leaves lenders navigating a far riskier horizon.

Moneycontrol Pro Panorama | Trump 2.0, H-1B and the art of selective softness

BUSINESS

Moneycontrol Pro Panorama | Trump 2.0, H-1B and the art of selective softness

In November 12 edition of Moneycontrol Pro Panorama: On visas, tariffs and oil, Trump plays hard, bargains harder, and blinks only when the leverage shifts.

Banking Central | Thali cools, but RBI’s inflation battle is far from over

BUSINESS

Banking Central | Thali cools, but RBI’s inflation battle is far from over

For a country where inflation is measured first in tomatoes and onions and only later in spreadsheets, this counts as genuine relief.

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

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