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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.

Chart of the Day | What do the latest data show on trends in personal loan growth?

BUSINESS

Chart of the Day | What do the latest data show on trends in personal loan growth?

While industry and services credit remain steady, the sharp deceleration in personal loans points to cooling household demand.

Why the Q1 growth surprise gives more room for India’s MPC

BUSINESS

Why the Q1 growth surprise gives more room for India’s MPC

A stronger-than-expected GDP print gives the Monetary Policy Committee breathing space

Why the 4% inflation target must stay

BUSINESS

Why the 4% inflation target must stay

India has earned hard-won credibility on price stability. Raising or diluting the target now would throw it all away.

Chart of the Day | How did gold loan NBFCs do in Q1 FY26?

BUSINESS

Chart of the Day | How did gold loan NBFCs do in Q1 FY26?

Numbers show a mixed trend even as overall loan growth remained robust

RBI's AI Push: A goldmine for investors, but not without risks

BUSINESS

RBI's AI Push: A goldmine for investors, but not without risks

Savvy investors must weigh the lucrative opportunities against unchecked risks in AI

Chart of the Day | Indian NBFCs are in a good spot now

BUSINESS

Chart of the Day | Indian NBFCs are in a good spot now

Falling funding costs and equity infusions bolster credit profiles of non-bank lenders.

AU Small Finance Bank’s leap to universal banking: A game-changer indeed, but what’s next?

BUSINESS

AU Small Finance Bank’s leap to universal banking: A game-changer indeed, but what’s next?

Jaipur-based lender’s transition marks a historic shift, but challenges loom large

Chart of the Day | Inflation’s dual dance: RBI’s MPC faces a tightrope walk

BUSINESS

Chart of the Day | Inflation’s dual dance: RBI’s MPC faces a tightrope walk

CPI eases to 2.1 per cent, but core inflation at 4.72 per cent keeps the Reserve Bank cautious ahead of its policy call

RBI’s MPC Meet: Will caution trump growth concerns?

BUSINESS

RBI’s MPC Meet: Will caution trump growth concerns?

As the Monetary Policy Committee meet starts on August 4, India awaits cues on whether the RBI will hold steady or surprise with a rate cut amid global trade tensions

Fed’s hard line may force the RBI to keep purse wide open

BUSINESS

Fed’s hard line may force the RBI to keep purse wide open

The Monetary Policy Committee (MPC) can’t afford to sit on the fence—it’s time for bold monetary stimulus to support growth.

Why Trump’s tariff bomb could deal a blow to the Rupee

BUSINESS

Why Trump’s tariff bomb could deal a blow to the Rupee

US imposes 25 per cent tariffs and penalties on India, rattling economic ties and the rupee’s fragile stability

Chart of the Day | India’s digital payments are surging, so are the risks

BUSINESS

Chart of the Day | India’s digital payments are surging, so are the risks

As India’s digital payments soar to new heights, the journey to a cashless economy faces critical tests in security, inclusion, and regulation.

UPI’s free ride for all nearing its end?

BUSINESS

UPI’s free ride for all nearing its end?

As RBI Governor Sanjay Malhotra signals the end of free UPI transactions, the move could reshape India’s fintech revolution, balancing innovation with sustainability

Chart of the Day | Insurance industry hits the brakes as motor, health segments lose steam

BUSINESS

Chart of the Day | Insurance industry hits the brakes as motor, health segments lose steam

The general insurance sector’s modest 9% growth in Q1FY26 suggests deeper cracks—weak auto sales, regulatory hurdles and cutthroat pricing are putting the brakes on an industry that once promised double-digit expansion.

CreditAccess Grameen’s Q1 FY26 shows sector’s weak spots

BUSINESS

CreditAccess Grameen’s Q1 FY26 shows sector’s weak spots

An 84.9 per cent profit drop signals big risks for microfinance, even as growth looks strong.

Private banks’ Q1 FY26 numbers reflect caution, restraint

BUSINESS

Private banks’ Q1 FY26 numbers reflect caution, restraint

Prudence is the sharpest tool in this uncertain terrain, and banks choosing caution over reckless growth are likely to emerge stronger when the skies clear

Chart of the Day | How food inflation has influenced headline CPI so far this year

BUSINESS

Chart of the Day | How food inflation has influenced headline CPI so far this year

With food inflation turning negative, India’s CPI hits a six-year low, but can this trend hold?

June inflation plunge sets stage for August MPC dilemma

BUSINESS

June inflation plunge sets stage for August MPC dilemma

With CPI inflation continuing to fall, the RBI’s Monetary Policy Committee faces a tough call: hold rates or continue pushing for growth?

Chart of the Day | What's behind the sharp surge in securitisation volumes in Q4?

BUSINESS

Chart of the Day | What's behind the sharp surge in securitisation volumes in Q4?

NBFCs drive securitisation to Rs 49,000 crore but microfinance and smaller players falter

Can a flood of liquidity trigger another round of high inflation?

BUSINESS

Can a flood of liquidity trigger another round of high inflation?

In theory, this could fuel demand-pull inflation, as more money chases goods and services. The RBI, however, is playing a cautious game.

Can a unique borrower ID be a game changer in India’s loan market?

BUSINESS

Can a unique borrower ID be a game changer in India’s loan market?

RBI’s unique borrower identifier promises to streamline credit access but raises concerns about data security and equitable implementation.

Chart of the Day | Microfinance in India: Is the worst over?

BUSINESS

Chart of the Day | Microfinance in India: Is the worst over?

India's microfinance sector teeters between recovery and ruin as NPAs soar to over Rs 55,000 crore, testing the resilience of microlenders

Karnataka Bank’s top brass exit: Personal reasons or boardroom friction?

BUSINESS

Karnataka Bank’s top brass exit: Personal reasons or boardroom friction?

Karnataka Bank’s CEO and Executive Director step down citing personal reasons, but governance-related concerns and board-level differences are also in focus.

What the CD issuance pattern of Indian banks tells us

BUSINESS

What the CD issuance pattern of Indian banks tells us

Public sector banks now dominate the CD market, signalling shifting liquidity dynamics and raising questions on long-term funding strategies

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