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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 | 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

Banking Central | How to tackle rising frauds in India's banking sector

BUSINESS

Banking Central | How to tackle rising frauds in India's banking sector

With frauds soaring to Rs 36,014 crore in 2024-25, the RBI’s latest data paints a grim picture of systemic cracks. Time for tougher oversight and accountability.

Moneycontrol Pro Panorama | Playing safe in a stormy season

BUSINESS

Moneycontrol Pro Panorama | Playing safe in a stormy season

For Moneycontrol's Pro Panorama July 23 edition: Prudence over ambition keeps India’s private banks steady in uncertain weather

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

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

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