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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.

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

Banking Central | RBI sounds the climate alarm. Are the banks listening?

BUSINESS

Banking Central | RBI sounds the climate alarm. Are the banks listening?

The RBI’s Financial Stability Report flags climate shocks as a growing threat to financial stability and urges banks to be ready for physical and transition risks that could disrupt the system. The industry must take note

Moneycontrol Pro Panorama | Crypto craze hits India’s rich

BUSINESS

Moneycontrol Pro Panorama | Crypto craze hits India’s rich

For Moneycontrol's Pro Panorama July 16 edition: With stocks and gold losing their charm, India’s wealthy are jumping into cryptocurrencies, driven by Bitcoin’s record rally and big moves in US regulations

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?

Banking Central | RBI data has a lot to cheer about on banks’ asset quality but there’s a warning too

BUSINESS

Banking Central | RBI data has a lot to cheer about on banks’ asset quality but there’s a warning too

Gross NPAs at a multi-decadal low of 2.3% but stress tests signal risks of a rise to 5.3% or above by 2027 if the economy falters

Moneycontrol Pro Panorama | Trump’s latest tariff tantrum raises risk quotient

BUSINESS

Moneycontrol Pro Panorama | Trump’s latest tariff tantrum raises risk quotient

In Moneycontrol's Pro Panorama July 9 edition: This isn’t just about trade; it’s also about sustaining India’s economic resilience and strategic positioning

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.

Banking Central | Home Loans: Will lower rates spark a credit boom?

BUSINESS

Banking Central | Home Loans: Will lower rates spark a credit boom?

The link between lower rates and credit growth isn’t always straightforward. While cheaper loans are enticing, several factors could temper their impact. For one, consumer sentiment remains cautious.

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.

Moneycontrol Pro Panorama | Mixed signals on economy

BUSINESS

Moneycontrol Pro Panorama | Mixed signals on economy

For Moneycontrol Pro Panorama July 2 edition: Strong PMI signals robust factory output, but weak IIP growth and fragile demand keep the central bank on edge

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.

Banking Central | Indian Banks’ mis-selling mess: Act now or pay later

BUSINESS

Banking Central | Indian Banks’ mis-selling mess: Act now or pay later

The banking sector must clean up its act on mis-selling financial products, the RBI has cautioned

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

Moneycontrol Pro Panorama | Powell’s tough talk should ring a bell for the MPC

BUSINESS

Moneycontrol Pro Panorama | Powell’s tough talk should ring a bell for the MPC

Moneycontrol Pro Panorama June 25 edition: Fed Chair’s focus on tariff-driven inflation pressures will nudge RBI to be more cautious, with implications for rupee, bonds, and equities

Chart of the Day | How crude oil prices influenced India inflation numbers in last decade

BUSINESS

Chart of the Day | How crude oil prices influenced India inflation numbers in last decade

Oil price shocks extend beyond fuel costs and have broader impact on the economies

Mixed signals from Middle East tensions leave RBI’s rate cut path in limbo

BUSINESS

Mixed signals from Middle East tensions leave RBI’s rate cut path in limbo

As the world scrambles to decode the uncertain status of the Iran-Israel conflict, India’s rate-setting panel may have to rethink its dovish stance amid oil shock risks.

Banking Central| RBI relief on project finance loans is a good step

BUSINESS

Banking Central| RBI relief on project finance loans is a good step

RBI’s new project finance rules ease banking fears but demand sharper discipline.

MPC minutes signal RBI may keep its powder dry ahead

BUSINESS

MPC minutes signal RBI may keep its powder dry ahead

If a rate cut happens at all, it will likely come only by year-end, once the effects of already-taken rate actions play out fully. The MPC needs time to assess the impact of its front-loaded moves.

Moneycontrol Pro Panorama | A sigh of relief for banks

BUSINESS

Moneycontrol Pro Panorama | A sigh of relief for banks

Moneycontrol Pro Panorama June 20 edition: RBI’s final project finance guidelines strike a balanced chord

Chart of the Day: How Fed rate policy shaped RBI’s response over the last decade

BUSINESS

Chart of the Day: How Fed rate policy shaped RBI’s response over the last decade

RBI’s rate playbook over the past decade shows strategic alignment with the Fed’s moves

Sanjay Malhotra’s Six Months at RBI: Bold bets, bumpy roads

BUSINESS

Sanjay Malhotra’s Six Months at RBI: Bold bets, bumpy roads

Unlike his predecessor Shaktikanta Das, Malhotra has leaned decisively toward growth.

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