Moneycontrol PRO
Loans
Loans
HomeAuthorDinesh unnikrishnan News

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 | Growth worries persist

BUSINESS

Moneycontrol Pro Panorama | Growth worries persist

In Moneycontrol Pro Panorama January 8 edition: Trump 2.0 and the risk it poses for India, challenges India's options market faces, infra sector needs to ensure consistent growth, separating facts about hMPV from fear, and more

Banking Central | A humble request to banks: Don't spoil my New Year with cold calls

BUSINESS

Banking Central | A humble request to banks: Don't spoil my New Year with cold calls

On a normal day, anything around 10 calls land on my phone from various non-bank financiers and loan apps dishing out personal loan offers with lightening-fast sanctioning process

Moneycontrol Pro Panorama | In the New Year, some old worries persist

BUSINESS

Moneycontrol Pro Panorama | In the New Year, some old worries persist

In the January 1 edition of Moneycontrol Pro Panorama: For the Indian economy, not all is well at this moment. On the ground there are signs of a growth slowdown. Latest numbers on consumption and loan repayment records suggest a downturn and a deepening stress

Banking Central | NBFCs may have to live with slower growth in new year

BUSINESS

Banking Central | NBFCs may have to live with slower growth in new year

As the smaller NBFCs fail to raise money from the bond market at attractive rates, they are left with only two options - either shrink their credit growth or borrow at a higher rate from banks

Moneycontrol Pro Panorama | What's in store for banks and savers in 2025?

BUSINESS

Moneycontrol Pro Panorama | What's in store for banks and savers in 2025?

In today’s edition of Pro Panorama: An infra value bet, the evolution of CRR, the Bengal paradox, what 2025 holds for crypto, life beyond technical analysis and much more

Banking Central | Illegal loan sharks in the line of fire, can't escape the net for long

BUSINESS

Banking Central | Illegal loan sharks in the line of fire, can't escape the net for long

Illegal loan apps have thrived over years leading to a total chaos in the small loan market. It is time to rein in such loan sharks

Moneycontrol Pro Panorama| When the Fed sneezes, the world catches a cold

BUSINESS

Moneycontrol Pro Panorama| When the Fed sneezes, the world catches a cold

December 18 edition of Moneycontrol Pro Panorama: Inflation is a beast that is an expert in the art of deception—it pretends to be tamed for a while giving false comfort, before rising back in a jiffy

Banking Central | Why doves may have a greater say than hawks in Feb MPC meet

BUSINESS

Banking Central | Why doves may have a greater say than hawks in Feb MPC meet

The November retail inflation number has made a compelling case for a rate cut in the February monetary policy review

Moneycontrol Pro Panorama | Trial by fire awaits new RBI governor

BUSINESS

Moneycontrol Pro Panorama | Trial by fire awaits new RBI governor

For December 11 edition of Moneycontrol Pro Panorama: Banks turn cautious but agriculture loans set to rise, real estate majors flock Mumbai’s redevelopment market, questions on climate finance needs reframing, how Shaktikanta Das would be remembered, and more

Banking Central | If RBI survey holds a clue, MPC is in for a long battle against inflation

BUSINESS

Banking Central | If RBI survey holds a clue, MPC is in for a long battle against inflation

Compared to September 2024 round of the survey, somewhat larger share of respondents expects the year ahead price and inflation to increase, mainly due to higher pressures from food items and housing related expenses

Moneycontrol Pro Panorama| Rising rate cut calls & winds of reform in India’s financial sector

BUSINESS

Moneycontrol Pro Panorama| Rising rate cut calls & winds of reform in India’s financial sector

For December 4 edition of Moneycontrol Pro Panorama: A crucial Banking Law Amendment Bill was passed yesterday, the MPC is starting a critical policy review meeting today, and just a few days ago the insurance sector got a proposal from the government to get more foreign funds.

Banking Central | Microlenders, grow slow, grow steady!

BUSINESS

Banking Central | Microlenders, grow slow, grow steady!

The microfinance industry is likely to face a tough phase in terms of growth and recoveries in 2025 but that is still better compared with a repeat of 2010 crisis triggered by bad lending practices

Moneycontrol Pro Panorama | The many worries of Shaktikanta Das ahead of MPC December meet

BUSINESS

Moneycontrol Pro Panorama | The many worries of Shaktikanta Das ahead of MPC December meet

In this November 28 edition of Moneycontrol Pro Panorama: WTO turns to AI to regains its lost glory, Chrome's dominance is unchallenged, fake note trends revealled by RBI data, Sambhal-like incidents put India's security at risk, and more

Banking Central | Will rate-setters blink in monetary policy meet next month?

ECONOMY

Banking Central | Will rate-setters blink in monetary policy meet next month?

The clamour for a rate cut is rising. Will the MPC blink as the rate-setting panel gears up for the next review of the monetary policy from December 4 to 6?

Banking Central | And, MPC has a perfect case to defer rate cuts beyond December  

ECONOMY-2

Banking Central | And, MPC has a perfect case to defer rate cuts beyond December  

The latest inflation numbers cast doubt on the MPC’s rate-cutting plans. The committee may have to wait longer to lower the rates 

Moneycontrol Pro Panorama | Time for MPC to move on from inflation obsession?

BUSINESS

Moneycontrol Pro Panorama | Time for MPC to move on from inflation obsession?

In this November 13 Moneycontrol Pro Panorama edition: Trump policy may hurt India's interest rate outlook, what G20 summit in Rio de Janeiro holds, markets under pressure as yields rise and earnings slowdown, climate threat to Kashmir’s cash crops, and more

Banking Central | Pushing credit to borrowers beyond capacity sets off stress alarm on small loans

BUSINESS

Banking Central | Pushing credit to borrowers beyond capacity sets off stress alarm on small loans

There are signs of a large-scale borrower distress at the small borrower levels. This could have a spillover effect in the overall banking system if the trend persists

Banking Central | How tough is the life of a banker in India?

BUSINESS

Banking Central | How tough is the life of a banker in India?

As a bank executive, you need to deal with money every single day, the targets set by superiors and, lastly, the wrath of angry customers. It’s a tough life.

Banking Central | Time may be right for RBI to frame rules on use of AI in banking

BUSINESS

Banking Central | Time may be right for RBI to frame rules on use of AI in banking

RBI Governor Shaktikanta Das recently advised the banking sector to approach AI adoption with caution

Moneycontrol Pro Panorama | Retail loan parade of non-banks is over

BUSINESS

Moneycontrol Pro Panorama | Retail loan parade of non-banks is over

In October 24 edition of Moneycontrol's Pro Panorama: FII selling fuelled by US interest rates, urban FMCG demand stress a cause of concern, October MPC minutes reveal members' dovish mindset, Russia looks victorious in battle of attrition with Ukraine, and more

Banking Central | How banks can check the flight of funds and get savers back

BUSINESS

Banking Central | How banks can check the flight of funds and get savers back

Bank deposit rates need to be hiked by at least 1-2 percent to woo back the depositor. Else, they need to prepare for alternative borrowing sources to raise resources

Moneycontrol Pro Panorama | RBI flags emerging challenges to monetary policy framework

BUSINESS

Moneycontrol Pro Panorama | RBI flags emerging challenges to monetary policy framework

Moneycontrol's Pro Panorama October 16 edition: The future of loan demand as envisioned by bankers, conflict and chaos affects global merchant trade, high-end real estate gets a breather from millennials, states should consider taxing agriculture, and more

Banking Central | How RBI tells banks to mind their core in the age of financial supermarkets

BUSINESS

Banking Central | How RBI tells banks to mind their core in the age of financial supermarkets

The trigger for the circular could have been rapid expansion of non-core businesses by banks across group entities, selling same products across different group companies.

Quick Take | As RBI changes stance to 'neutral', countdown begins for a rate cut in Dec

BUSINESS

Quick Take | As RBI changes stance to 'neutral', countdown begins for a rate cut in Dec

The MPC has given a clear signal that a rate rethink isn’t too far by changing the monetary policy stance. When and how will depend on the inflation trajectory

Advisory Alert: It has come to our attention that certain individuals are representing themselves as affiliates of Moneycontrol and soliciting funds on the false promise of assured returns on their investments. We wish to reiterate that Moneycontrol does not solicit funds from investors and neither does it promise any assured returns. In case you are approached by anyone making such claims, please write to us at grievanceofficer@nw18.com or call on 02268882347