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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 | Mint Road is upgrading its tech, that is a good change

BUSINESS

Banking Central | Mint Road is upgrading its tech, that is a good change

From data empowerment to digital platforms, the central bank is not just regulating but demonstrating how technology must shape the future of Indian finance

How RBI's proposed principles-based framework can be a gamechanger for Indian fintechs

BUSINESS

How RBI's proposed principles-based framework can be a gamechanger for Indian fintechs

It's high time RBI empowered innovation without getting into micromanagement

Moneycontrol Pro Panorama | Private capex surge signals India’s next growth push

BUSINESS

Moneycontrol Pro Panorama | Private capex surge signals India’s next growth push

In September 3 edition of Moneycontrol Pro Panorama: RBI’s projection of a 21.5% rise in private capital spending underscores confidence in the economy

Households are finally betting on equities — and that’s a good thing

BUSINESS

Households are finally betting on equities — and that’s a good thing

The shift of savings from deposits to equity mutual funds is reshaping India’s financial landscape. It is a welcome move, but one that demands strong regulatory guardrails.

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

Banking Central | Lessons from Chinese meltdown for Indian banks

BUSINESS

Banking Central | Lessons from Chinese meltdown for Indian banks

India's banking landscape, while distinct, shares some parallels with China's, especially in exposure to credit cycles and non-performing assets.

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.

Banking Central | What does New India Coop Bank's case tell us about state of industry

BUSINESS

Banking Central | What does New India Coop Bank's case tell us about state of industry

The latest misappropriation scandal is a reminder that India’s cooperative banks remain captive to weak governance and political patronage. The cracks run deep.

Moneycontrol Pro Panorama| Can China be India’s trump card against Trump trade war?

BUSINESS

Moneycontrol Pro Panorama| Can China be India’s trump card against Trump trade war?

For Moneycontrol Pro Panorama August 20 edition: China talks aligns with India's push to diversify supply chains amidst a tough trade war with the US

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

Banking Central | RBI's AI ambition: Innovation yes, but not at the cost of chaos

BUSINESS

Banking Central | RBI's AI ambition: Innovation yes, but not at the cost of chaos

The RBI must address the unions' stark warnings or it risks amplifying inequalities and eroding public trust

Moneycontrol Pro Panorama| Dear central banker, give some love for growth now!

BUSINESS

Moneycontrol Pro Panorama| Dear central banker, give some love for growth now!

In August 13 edition of Moneycontrol Pro Panorama: As CPI figures signal a dovish turn for central banks, markets eye opportunities amid sticky services and base effects

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.

Banking Central| ICICI Bank’s Rs 50,000 MAB move: A bold bet or a blunder? Let the market decide

BUSINESS

Banking Central| ICICI Bank’s Rs 50,000 MAB move: A bold bet or a blunder? Let the market decide

ICICI Bank’s steep minimum balance hike has sparked outrage but it’s the bank's call. Customers have options.

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

Moneycontrol Pro Panorama| RBI pauses, but with good reason

BUSINESS

Moneycontrol Pro Panorama| RBI pauses, but with good reason

Sanjay Malhotra’s steady hand signals RBI’s intent to assess past rate actions before moving forward

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

Banking Central| RBI’s MPC meet: Time to nudge growth, again?

BUSINESS

Banking Central| RBI’s MPC meet: Time to nudge growth, again?

Sluggish bank lending and tight liquidity signal the need for a growth-friendly pivot

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

Moneycontrol Pro Panorama | All eyes on the Fed

BUSINESS

Moneycontrol Pro Panorama | All eyes on the Fed

In Moneycontrol Pro Panorama July 30 edition: As the US Federal Reserve gears up for its July 2025 meeting, India’s markets and policymakers are on edge

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