reserve bank of india (rbi)
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  • Moneycontrol Pro Weekender | Is RBI too pessimistic about banks? Jan 16, 2021 10:31 AM IST

    Moneycontrol Pro Weekender | Is RBI too pessimistic about banks?

    A more productive approach would be to factor in the RBI’s concerns and take steps to strengthen the balance sheet of banks

  • Will a high fiscal deficit in 2021-22 lead to inflation? Jan 13, 2021 11:01 AM IST

    Will a high fiscal deficit in 2021-22 lead to inflation?

    Core inflation continued to be sticky in December. As the recovery gathers strength, inflationary pressures may rise, if the government boosts consumption in the Budget

  • Assam microfinance crisis revalidates first principles Jan 11, 2021 08:21 AM IST

    Assam microfinance crisis revalidates first principles

    Microfinance institutions serve as a key instrument in removing income poverty and laying low cost foundations for improving human development indicators

  • What can a potential merger of HDFC and HDFC Bank bring to the table? Jan 08, 2021 10:15 AM IST

    What can a potential merger of HDFC and HDFC Bank bring to the table?

    With benefits outweighing the cost, a merger can be a win-win situation for both HDFC and HDFC Bank

  • Write-offs are distinct from waivers. They are not a sign of crony capitalism. Jan 04, 2021 01:01 PM IST

    Write-offs are distinct from waivers. They are not a sign of crony capitalism.

    There is no debt forgiveness in loan write-offs. It is an accounting practice followed by banks

  • Do we need to change India’s flexible inflation targeting framework? Jan 04, 2021 08:50 AM IST

    Do we need to change India’s flexible inflation targeting framework?

    If low interest rates are not enough to revive growth, then the private sector will not really be able to kickstart the economy and the burden for growth will fall entirely on the government, until vaccination restores confidence

  • A growth supportive monetary policy Dec 04, 2020 05:09 PM IST

    A growth supportive monetary policy

    There is no doubt that the RBI has done the heavy lifting to support growth in these exceptional circumstances. However, excess liquidity creation amid growing concerns about inflation and fiscal slippage will continue to interfere with market dynamics

  • RBI’s order is a blip in HDFC bank’s digital journey Dec 04, 2020 09:26 AM IST

    RBI’s order is a blip in HDFC bank’s digital journey

    Digitisation has enhanced HDFC Bank’s earnings in recent years; regulator’s directive will prompt it to boost customer experience.

  • Chart of the Day | Composite PMI for November highlights inflation pressures Dec 03, 2020 01:24 PM IST

    Chart of the Day | Composite PMI for November highlights inflation pressures

    The MPC will worry that the data suggests inflation is not only persisting but becoming more broad-based

  • Chart of the Day | Rising money supply and contracting nominal GDP growth have whipped up a sea of liquidity Dec 01, 2020 11:24 AM IST

    Chart of the Day | Rising money supply and contracting nominal GDP growth have whipped up a sea of liquidity

    Banks are parking the liquidity in government bonds, driving down yields

  • Bank loans have picked up sharply, but is it due to pent-up demand for credit? Dec 01, 2020 10:50 AM IST

    Bank loans have picked up sharply, but is it due to pent-up demand for credit?

    It is very likely that the fall in credit to large companies is because they were able to access funds from other quarters, such as the debt and equity markets and through foreign direct investment

  • Two Goals, Two Lessons | What central bankers can learn from Diego Maradona Nov 27, 2020 08:44 AM IST

    Two Goals, Two Lessons | What central bankers can learn from Diego Maradona

    Diego Maradona’s first goal was akin to monetary policy of the earlier era where there was “mystery and mystique” associated with central banking. His second goal belonged to the modern central banking era

  • When connected lending led to bank failures Nov 25, 2020 08:46 AM IST

    When connected lending led to bank failures

    As experts and policymakers engage in debate and discussion over the new guidelines set by RBI’s Internal Working Group, it is interesting to go back in history when connected lending led to bank failures

  • A curious anomaly in the RBI report on ownership of banks by corporate houses Nov 24, 2020 09:00 AM IST

    A curious anomaly in the RBI report on ownership of banks by corporate houses

    'All the experts except one were of the opinion that large corporate/industrial houses should not be allowed to promote a bank'; Recommendation: 'Large corporate/industrial houses may be allowed as promoters of banks only after necessary amendments to the Banking Regulations Act, 1949...'

  • Proposed norms for private bank ownership will help the sector attract long–term capital Nov 23, 2020 09:58 AM IST

    Proposed norms for private bank ownership will help the sector attract long–term capital

    Relaxing the cap on promoter holding is a big positive

  • LVB-DBS merger is job well done. But don’t rest on your laurels, RBI Nov 18, 2020 12:52 PM IST

    LVB-DBS merger is job well done. But don’t rest on your laurels, RBI

    ​For every Yes Bank or Lakshmi Vilas, there are countless other cooperative banks where depositors have a long wait to access their money

  • RBI selects six companies in first cohort for regulatory sandbox; two names announced, four to follow Nov 17, 2020 05:37 PM IST

    RBI selects six companies in first cohort for regulatory sandbox; two names announced, four to follow

    The RBI has shortlisted two companies for its regulatory sandbox programme built on the theme of retail digital payments. Both the companies are working towards helping digitise rural payments through innovative means.

  • A whistleblower policy every central bank could adopt Nov 07, 2020 09:03 AM IST

    A whistleblower policy every central bank could adopt

    Central banks across the world should look at the European Central Bank whistleblower policy and bring themselves under a similar one. There are several benefits of such a policy

  • Are the new RBI MPC members hawks, doves or owls? Oct 06, 2020 01:32 PM IST

    Are the new RBI MPC members hawks, doves or owls?

    The vast body of their writings across books, articles in newspapers and periodicals, and academic articles offers some clues

  • No country for small firms Sep 23, 2020 12:56 PM IST

    No country for small firms

    Small firms have been struggling for the past five years, RBI analysis shows

  • Will chief compliance officers check misgovernance in banks? Sep 14, 2020 09:46 AM IST

    Will chief compliance officers check misgovernance in banks?

    One thing which the RBI could have paid more attention to is the tenure of appointment of a CCO. Compliance cultures need longer time periods, especially in the initial years. Ideally, the RBI should have specified the tenure length of any number above five years

  • Loan Moratorium | Don’t sideline the RBI Sep 11, 2020 04:27 PM IST

    Loan Moratorium | Don’t sideline the RBI

    Interest waiver and loan moratorium started as an RBI scheme — and not as a government scheme to provide relief to borrowers. Ironically, now the RBI is a mute spectator

  • Relief for borrowers should not come at the cost of undermining banking system Sep 04, 2020 11:44 AM IST

    Relief for borrowers should not come at the cost of undermining banking system

    A strong banking system is a necessary condition for sustainable and broad-based economic recovery

  • Should RBI follow the US Federal Reserve in targeting average inflation? Aug 31, 2020 11:52 AM IST

    Should RBI follow the US Federal Reserve in targeting average inflation?

    An AIT approach implies that when inflation is high, policy rates will remain tighter for a longer period of time as well

  • The Bimal Jalan committee binds RBI transfers to the government Aug 27, 2020 01:02 PM IST

    The Bimal Jalan committee binds RBI transfers to the government

    Now, once the RBI balance sheet expands, the contingency fund will expand as well to protect the balance-sheet. This is like the countercyclical buffer which implies that when the balance sheet is expanding one is also adding to the risk buffers

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