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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 | What does the latest inflation number mean for rate watchers?

BUSINESS

Banking Central | What does the latest inflation number mean for rate watchers?

With retail inflation comfortably below target, the focus decisively shifts to boosting growth

Moneycontrol Pro Panorama | March inflation falls. More rate cuts? 

BUSINESS

Moneycontrol Pro Panorama | March inflation falls. More rate cuts? 

With retail inflation well below target, it's time to support growth

Banking Central: Deposit rates slashed — savers hit as banks move in to protect margins

BUSINESS

Banking Central: Deposit rates slashed — savers hit as banks move in to protect margins

This is not just about banks 'adjusting' to RBI’s recent 25 basis point repo rate cut, it’s a desperate bid to protect their thinning margins

Moneycontrol Pro Panorama | RBI moves to shield India as Trump’s trade blitz shakes global markets

BUSINESS

Moneycontrol Pro Panorama | RBI moves to shield India as Trump’s trade blitz shakes global markets

Amid a global trade war, the RBI has signalled a decisive shift in its policy approach to support growth

Banking Central | What worked, what didn’t for investors in FY25 and what it means for FY26

BUSINESS

Banking Central | What worked, what didn’t for investors in FY25 and what it means for FY26

Investors who spread their capital across diverse instruments were the ones who weathered the storm. As Trump tariffs tear apart global order and markets, FY25 may have some lessons to offer

Moneycontrol Pro Panorama | Indian Manufacturing PMI surges amid tariff fears—What is the signal to MPC?

BUSINESS

Moneycontrol Pro Panorama | Indian Manufacturing PMI surges amid tariff fears—What is the signal to MPC?

In April 2 edition of Moneycontrol Pro Panorama: It is too early to conclude that all is well in the Indian economy, and the MPC may have to continue lending a helping hand.

Banking Central | Why another RBI rate cut is inevitable on April 9

BUSINESS

Banking Central | Why another RBI rate cut is inevitable on April 9

The time for half-measures is over, and the RBI must decisively embrace a dovish stance and cut rates further, not only to alleviate the credit crunch but to send a strong signal that growth is the new priority.

Moneycontrol Pro Panorama | Karnataka’s rural debt crisis: A brewing storm

BUSINESS

Moneycontrol Pro Panorama | Karnataka’s rural debt crisis: A brewing storm

In today’s edition of Pro Panorama: A stock with a lasting imprint, leaders of market rally, NBFC warning signs, priority sector lending and much more

Banking Central | Bond market is caught in uncertainties

BUSINESS

Banking Central | Bond market is caught in uncertainties

On the one hand, inflation has softened, with CPI falling to 4.31% in January — a positive for bonds. On the other, global uncertainties and the RBI’s cautious policy stance are keeping traders from making bold bets on lower yields

Banking Central | Who is right on bank staff vacancies — the government or unions?

BANKING

Banking Central | Who is right on bank staff vacancies — the government or unions?

The government say PSBs employees have increased from 6.18 lakh in 2011 to 7.58 lakh, as of January 2025. Employee unions, however, say staff numbers are down and workload has zoomed

Moneycontrol Pro Panorama | The Dollar index is tumbling—Is the Greenback losing its safe haven status?

BUSINESS

Moneycontrol Pro Panorama | The Dollar index is tumbling—Is the Greenback losing its safe haven status?

In this edition of Moneycontrol Pro Panorama: Fund flows to emerging markets (EMs) are closely tied to the strength of the US dollar—a stronger dollar typically leads to capital outflows from EMs, tightening financial conditions. However, concerns about China being forced to devalue the yuan appear overblown

Banking Central |How far could the RBI go on the liquidity mission?

BUSINESS

Banking Central |How far could the RBI go on the liquidity mission?

A fresh surge in liquidity could stoke inflationary pressures, undoing the RBI’s hard-won price stability

Moneycontrol Pro Panorama | Have Indian markets bottomed out?

BUSINESS

Moneycontrol Pro Panorama | Have Indian markets bottomed out?

For Moneycontrol Pro Panorama March 7 edition: In this environment, the stance of retail investors could serve as the real litmus test for market stability. If retail sentiment shifts from exuberance to caution, it might signal that the market has not yet found its floor

Banking Central | Third quarter GDP numbers make a strong case for continued policy support

BUSINESS

Banking Central | Third quarter GDP numbers make a strong case for continued policy support

Growth has recovered but remains below desired levels. For the momentum to hold, more monetary easing and fiscal support is needed amid mounting global trade uncertainties

Moneycontrol Pro Panorama| Sanjay Malhotra’s tough liquidity test

BUSINESS

Moneycontrol Pro Panorama| Sanjay Malhotra’s tough liquidity test

In February 24 edition of Moneycontrol Pro Panorama: The fundamental dilemma facing Malhotra is simple: inject too much liquidity, and inflation could spiral; inject too little, and the banking system chokes

Banking Central | India needs a much higher deposit insurance for its bank customers

BUSINESS

Banking Central | India needs a much higher deposit insurance for its bank customers

The insurance framework should have a higher coverage threshold, a risk-based premium structure and a mechanism to ensure swift payouts in case of bank failures

Moneycontrol Pro Panorama | Tesla’s India play: A game changer for the local EV market?

BUSINESS

Moneycontrol Pro Panorama | Tesla’s India play: A game changer for the local EV market?

In this edition of Moneycontrol Pro Panorama: Tesla’s hiring spree in Mumbai and Delhi suggests the company is laying the groundwork for a local presence, likely starting with imports before considering a manufacturing base.

Banking Central | Another co-op bank bites the dust, it's the same story all over again

BUSINESS

Banking Central | Another co-op bank bites the dust, it's the same story all over again

The RBI has been cracking down on erring co-operative banks but the underlying problems, especially governance, persist

Moneycontrol Pro Panorama | Can Modi-Trump bonhomie work magic in India’s favour?

BUSINESS

Moneycontrol Pro Panorama | Can Modi-Trump bonhomie work magic in India’s favour?

For Moneycontrol Pro Panorama's Feb 12 edition: Trump’s tariff threat, rupee instability—India has too much on its plate this week. But for every problem, there is a solution.

Banking Central | Will rate and tax cuts deliver the promised consumption boost?

BUSINESS

Banking Central | Will rate and tax cuts deliver the promised consumption boost?

A 25 bps rate cut alone is unlikely to significantly reduce EMIs—translating to mere hundreds of rupees in savings for most borrowers.

Moneycontrol Pro Panorama | Asian Paints fades on urban demand, Mint Road holds the palette

BUSINESS

Moneycontrol Pro Panorama | Asian Paints fades on urban demand, Mint Road holds the palette

The rather disappointing earnings from Asian Paints Ltd., India’s largest paints player, is yet another indicator of a widening dichotomy between the rural and urban demand. While there is a pickup in rural demand, urban demand scenario remains sluggish.

Banking Central | Banks may benefit from FM Nirmala Sitharaman’s Budget credit push

BUDGET

Banking Central | Banks may benefit from FM Nirmala Sitharaman’s Budget credit push

Some measures announced in the Budget 2025 such as support for MSMEs and agriculture may help banks improve credit and deposit growth but these are high-risk segments

Moneycontrol Pro Panorama | We expect too much from the Union Budget

BUSINESS

Moneycontrol Pro Panorama | We expect too much from the Union Budget

In Moneycontrol's Pro Panorama Jan 29 edition: We have had innumerable plans and blueprints. What we need to do is focus on execution

Banking Central| What do the latest bank results tell us about industry trends

BUSINESS

Banking Central| What do the latest bank results tell us about industry trends

The banking sector's December quarter results, so far, reflect an underlying pressure. Banks face the twin challenge of managing the slowdown in credit growth and as keeping deposits healthy

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