Moneycontrol PRO
HomeAuthorDinesh unnikrishnan

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.

LTV Boost for Gold Loans: A shot in the arm for NBFCs, but risks loom large

BUSINESS

LTV Boost for Gold Loans: A shot in the arm for NBFCs, but risks loom large

RBI’s higher LTV ceiling sparks opportunity for NBFCs, but gold price volatility demands tight risk controls

Banking Central| Inflation’s down but don’t pop the champagne yet

BUSINESS

Banking Central| Inflation’s down but don’t pop the champagne yet

India's inflation dips to a 75-month low but can the RBI keep the pressure cooker from boiling over?

Microfinance Q4 a wake-up call for companies, policymakers

BUSINESS

Microfinance Q4 a wake-up call for companies, policymakers

India’s microfinance sector is reeling under a client drop, shrinking loans, and rising defaults

Moneycontrol Pro Panorama | The AI Conundrum: Job losses, efficiency gains, and India’s tightrope walk

BUSINESS

Moneycontrol Pro Panorama | The AI Conundrum: Job losses, efficiency gains, and India’s tightrope walk

For Moneycontrol Pro Panorama June 11 edition: AI is reshaping India’s job market, wiping out white-collar roles while boosting efficienc

Chart of the Day | Credit growth falling, can Malhotra’s growth pill do the trick?

BUSINESS

Chart of the Day | Credit growth falling, can Malhotra’s growth pill do the trick?

RBI’s rate and CRR cuts aim to revive slowing credit growth, but challenges in NBFC and unsecured lending persist. Will cheaper loans spark demand or fizzle out?

RBI’s rate cut: Banks’ lifeline comes with strings attached

BUSINESS

RBI’s rate cut: Banks’ lifeline comes with strings attached

RBI’s bold rate cut and CRR slash fuel bank liquidity but pinch margins, leaving investors to navigate a tricky terrain

Banking Central| The RBI’s rate cut bonanza: What next for banks?

BUSINESS

Banking Central| The RBI’s rate cut bonanza: What next for banks?

The RBI’s bold rate and CRR cuts unleash a growth bonanza but can banks turn liquidity into profitable credit? Structural hurdles loom large

RBI’s bold growth move on Repo, CRR masks a cautious core; stance change signals pause ahead

BUSINESS

RBI’s bold growth move on Repo, CRR masks a cautious core; stance change signals pause ahead

RBI’s 50 bps rate cut and CRR slash signal robust growth support, but a neutral stance hints at caution ahead.

Moneycontrol Pro Panorama | What’s in store for the Indian economy in H2 2025?

BUSINESS

Moneycontrol Pro Panorama | What’s in store for the Indian economy in H2 2025?

For Moneycontrol Pro Panorama's June 5 edition: India’s economic strength lies in its domestic focus. That’s where all the attention will be.

Chart of the Day | How movement in food inflation influenced RBI rate cuts in last 5 years

BUSINESS

Chart of the Day | How movement in food inflation influenced RBI rate cuts in last 5 years

While lower food inflation often creates room for rate cuts, the correlation is not absolute

MPC meet begins: Another rate cut is priced in. But what next?

BUSINESS

MPC meet begins: Another rate cut is priced in. But what next?

The latest economic indicators paint a picture of cautious optimism, but challenges loom

Why RBI must tread with caution on the gold loan rules

BUSINESS

Why RBI must tread with caution on the gold loan rules

The central bank must listen to bankers’ concerns and craft a framework that regulates without alienating

Banking Central | What does Kotak Mahindra Bank’s leadership transition signal to investors?

BUSINESS

Banking Central | What does Kotak Mahindra Bank’s leadership transition signal to investors?

Ekambaram, after three decades at the bank, will step down this year. Paritosh Kashyap will assume a new role in the bank.

RBI annual report | Gold is a standout performer for the central bank in FY25

BUSINESS

RBI annual report | Gold is a standout performer for the central bank in FY25

The RBI’s gold holdings jumped from 822.1 metric tonnes to 879.58 metric tonnes, a 57.48-tonne increase

Moneycontrol Pro Panorama | US student visa crackdown: American Dream gone sour?

BUSINESS

Moneycontrol Pro Panorama | US student visa crackdown: American Dream gone sour?

For Moneycontrol Pro Panorama's May 28 edition: The US is a country that built its riches with the hard work of its immigrant workers. America’s heavy-handed policies risk alienating the same workers

Chart of the Day | RBI dividend transfers, pre and post Bimal Jalan panel

BUSINESS

Chart of the Day | RBI dividend transfers, pre and post Bimal Jalan panel

The calculations to compute dividend transfers were amended post the Bimal Jalan panel recommendations

AI threatens jobs of millions of Indians. What counter-measures should the government take?

BUSINESS

AI threatens jobs of millions of Indians. What counter-measures should the government take?

The rise of AI and automation threatens to upend the current ecosystem, targeting the repetitive, rule-based roles that employ millions

Banking Central| Five ways Indian banks can tackle rising frauds

BUSINESS

Banking Central| Five ways Indian banks can tackle rising frauds

The surge in H1 FY25 reflects a worrying trend: digital frauds, fuelled by social engineering and mule accounts, are outpacing banks’ defences.

RBI’s Rs 2.69 lakh crore dividend boosts fisc, but caution looms

BUSINESS

RBI’s Rs 2.69 lakh crore dividend boosts fisc, but caution looms

The RBI’s decision to widen the CRB range to 4.5–7.5% and set it at the upper bound is a nod to global risks

Moneycontrol Pro Panorama | Trump’s remittance tax googly can hurt NRIs badly

BUSINESS

Moneycontrol Pro Panorama | Trump’s remittance tax googly can hurt NRIs badly

In May 21 edition of Moneycontrol Pro Panorama: A new tax proposal in the US could strike at one of the country’s quiet but critical economic engines: remittances

Chart of the Day | FD rates are falling fast; SBI the latest in the rate cut club

BUSINESS

Chart of the Day | FD rates are falling fast; SBI the latest in the rate cut club

A look at the bank rate actions on deposit rates so far.

Banking Central | Inflation at 6-year low is an opportunity for RBI to give growth another push

BUSINESS

Banking Central | Inflation at 6-year low is an opportunity for RBI to give growth another push

If not for the 11% drop in vegetable prices, inflation would hover closer to 4.1%. The RBI will have this in mind when it meets in early June

What is the bilateral impact if India-Turkey tensions escalate?

BUSINESS

What is the bilateral impact if India-Turkey tensions escalate?

For India, it’s a bold assertion of strategic red lines. For Turkey, it’s a costly misstep

Moneycontrol Pro Panorama | Has Trump’s taking credit for the India-Pak ceasefire alienated India?

BUSINESS

Moneycontrol Pro Panorama | Has Trump’s taking credit for the India-Pak ceasefire alienated India?

There are areas where India strictly doesn’t want foreigners—no matter how close they are—to interfere. It has been the country’s policy since independence

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