Moneycontrol PRO

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 | 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.

Quick Take | What does the 25 bps rate cut mean for India’s economy now?

BUSINESS

Quick Take | What does the 25 bps rate cut mean for India’s economy now?

With inflation at historic lows, the RBI finally opens the tap. The 25 bps cut signals support for growth, but the central bank isn’t throwing caution to the winds.

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.

Chart of the Day | Inflation trend is set to dominate MPC thinking again

BUSINESS

Chart of the Day | Inflation trend is set to dominate MPC thinking again

Inflation has eased but remains a tricky pitch for the MPC, when it comes to deciding the course of interest rates

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

Pen Urban Bank fraud: A wake-up call for India’s cooperative banking system

BUSINESS

Pen Urban Bank fraud: A wake-up call for India’s cooperative banking system

The PMLA court’s refusal to discharge former directors in the Rs 598-crore Pen Urban Bank scam exposes deep governance failures that the cooperative banking sector can no longer gloss over

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

Sandesara Settlement: Has the SC just opened a Pandora’s box?

BUSINESS

Sandesara Settlement: Has the SC just opened a Pandora’s box?

The Sandesara ruling may have many ramifications in similar cases

Eight years on, the IBC is buckling under delays, haircuts, dodgy deals

BUSINESS

Eight years on, the IBC is buckling under delays, haircuts, dodgy deals

With creditor recoveries stuck at nearly one-third and banks chasing pre-IBC fraud almost equal to total recoveries, India’s insolvency regime is flashing red signals

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

Rupee’s slide past 89 to the dollar: Why it happened, what it means for stakeholders

BUSINESS

Rupee’s slide past 89 to the dollar: Why it happened, what it means for stakeholders

A record-low rupee signals more than currency volatility

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.

Chart of the Day | Credit growth is healing, what next?

BUSINESS

Chart of the Day | Credit growth is healing, what next?

Retail-led expansion and regulatory overhauls are pushing India’s credit cycle in FY26

RBI targets export relief with precision, but banks face tougher risk calls

BUSINESS

RBI targets export relief with precision, but banks face tougher risk calls

By targeting 20 export-intensive sectors, the RBI’s latest move shields industries under tariff assault but lenders now face an even more nuanced risk map

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.

Chart of the Day | Is India’s mass consumption story losing steam?

BUSINESS

Chart of the Day | Is India’s mass consumption story losing steam?

Goldman Sachs sees a revival, but falling food prices and a neutral RBI are changing the arithmetic for household demand and monetary policy

Bigger Banks, Bigger Ambitions: Why India must build banks with global heft

BUSINESS

Bigger Banks, Bigger Ambitions: Why India must build banks with global heft

Finance Minister Nirmala Sitharaman’s push for a fresh phase of public-sector bank consolidation is a strategic bet on scale, competitiveness and credit depth that India’s growth trajectory now requires.

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.

M&A loans: RBI is opening the gates. Do Indian banks have the playbook?

BUSINESS

M&A loans: RBI is opening the gates. Do Indian banks have the playbook?

Governor Malhotra says guardrails are in place and judgement should rest with banks. History suggests judgement, not regulation, will decide the outcome.

RBI’s huddle with dealers: Liquidity tightening or signalling risk control?

BUSINESS

RBI’s huddle with dealers: Liquidity tightening or signalling risk control?

We have seen the system slip into meaningful deficit episodes this quarter

Banking Central | What does UPI surge mean for Indian payments system?

BUSINESS

Banking Central | What does UPI surge mean for Indian payments system?

UPI’s future hinges on whether policymakers allow it to stand on viable economic legs

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.

Chart of the Day | UPI moves the masses, RTGS moves the money

BUSINESS

Chart of the Day | UPI moves the masses, RTGS moves the money

India’s payments data for the first half of 2025 shows two very different digital stories.

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