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RBI Attack on Small Borrowers – New RBI Governor Should Act

The Reserve Bank of India issued a circular on 30th September 2024 titled, “Gold Loans – Irregular Practices Observed in...

General Random Reflections

Article

BULA to Kill Self Help Movement

The Government of India, Ministry of Finance, vide their Letter No: F.No.7/93/2024-BOA-I dated 13.12.2024 under the subj...

General Random Reflections

Article

Rising debt, falling savings, liquidity crunch, and the struggle for stable growth | Finance Matters, 21 February 2025 | Editorial

India’s economy is facing a mix of opportunities and challenges. Moody’s Analyticshas revised India’s GDP growth project...

Blog FM EditS General

Article

The Banking Sector Reveals the Middle Classes Aren’t Really Getting a ‘Bonanza’

There is a euphoria around the “tax bonanza” offered to the middle classes in this year’s Budget. The proposal of no tax...

General Indian Economy National Finance Union Budget

Article

The Dangers of Neo-Banking, Fintechs, and the Inactiveness of the RBI

I remitted some money using GPay recently. There were many people with the same name, and erroneously the money went to ...

Fintech General Indian Economy Random Reflections

Article

The Magic of Falling NPAs! | Finance Matters | 13 December 2024 | Editorial

A recent investigation by The Indian Express revealed that over 43% of the total non-performing assets (NPA) till March ...

FM EditS General

Article

EMIs on loans for destroyed homes in Wayanad? Landslide of inequality: The cost of banking priorities

The Mepadi landslide in Wayanad, Kerala, July 30, 2024, is one of the largest in the country, in terms of debris flow of...

Coverage General Indian Economy

Article

Note the hypocrisy

The Hindenburg report had accused the Adani Group of using shell companies in Mauritius for laundering money. But the In...

Coverage General Indian Economy

Article

To undo the deadly noose of loan apps, RBI’s occasional warnings won’t do

A new ecosystem based on loan apps has mushroomed across India’s financial landscape over a decade, preying on those aba...

Coverage Debt Crisis & NBFCs General Indian Economy

Article

Why RBI’s financial governance should address social and environmental concerns

The Reserve Bank of India released a new draft of the project finance framework in May. To address risks and impacts, ...

Coverage General Indian Economy

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March 31, 2025

Thomas Franco

RBI Attack on Small Borrowers – New RBI Governor Should Act

The Reserve Bank of India issued a circular on 30th September 2024 titled, “Gold Loans – Irregular Practices Observed in Grant of Loans Against Pledge of Gold Ornaments and Jewellery.” The instructions are for all banks and non-financial companies (NBFCs) except regional rural banks (RRBs) and payme...

General Random Reflections

Article

March 25, 2025

Thomas Franco

BULA to Kill Self Help Movement

The Government of India, Ministry of Finance, vide their Letter No: F.No.7/93/2024-BOA-I dated 13.12.2024 under the subject: Stakeholder Consultation on Draft Bill to Curb Unregulated Lending Activities – reg., has asked states, ministries, RBI, SEBI, NABARD, IBA, fintech associations, MFIN, Sa-Dhan...

General Random Reflections

Article

February 25, 2025

CFA Admin

Rising debt, falling savings, liquidity crunch, and the struggle for stable growth | Finance Matters, 21 February 2025 | Editorial

India’s economy is facing a mix of opportunities and challenges. Moody’s Analyticshas revised India’s GDP growth projection to 6.4% for 2025, down from 6.6% in 2024, questioning whether domestic demand alone can sustain growth. It’s time to ask whether the country’s economic resilience is as strong ...

Blog FM EditS General

Article

February 18, 2025

Anirban Bhattacharya & Pranay Raj

The Banking Sector Reveals the Middle Classes Aren’t Really Getting a ‘Bonanza’

There is a euphoria around the “tax bonanza” offered to the middle classes in this year’s Budget. The proposal of no tax for those with annual income up to Rs 12 lakh has been hailed by the media, with many even calling this a “middle-class budget”. Of course, there are serious concerns as to whethe...

General Indian Economy National Finance Union Budget

Article

January 2, 2025

Thomas Franco

The Dangers of Neo-Banking, Fintechs, and the Inactiveness of the RBI

I remitted some money using GPay recently. There were many people with the same name, and erroneously the money went to the wrong account of one Arjunan. When the actual Arjunan to whom the money was sent called me and said that the money had not been received, I checked up and found the mistake. Fo...

Fintech General Indian Economy Random Reflections

Article

December 17, 2024

CFA Admin

The Magic of Falling NPAs! | Finance Matters | 13 December 2024 | Editorial

A recent investigation by The Indian Express revealed that over 43% of the total non-performing assets (NPA) till March 2019, or Rs. 4.02 lakh crore, was accounted for by just 100 companies. According to data.gov, the NPAs have substantially reduced since then – from 9.07% in 2018-19 to 3.87%...

FM EditS General

Article

December 16, 2024

Maju Varghese

EMIs on loans for destroyed homes in Wayanad? Landslide of inequality: The cost of banking priorities

The Mepadi landslide in Wayanad, Kerala, July 30, 2024, is one of the largest in the country, in terms of debris flow of nearly six million cubic meters—enough to fill 2,400 Olympic-sized swimming pools. The Landslide is considered the largest in terms of the debris volume. This is five times larger...

Coverage General Indian Economy

Article

December 5, 2024

Joe Athialy

Note the hypocrisy

The Hindenburg report had accused the Adani Group of using shell companies in Mauritius for laundering money. But the Indian government staunchly defended the corporate giant. The Financial Action Task Force, a Paris-based global watchdog that sets standards for combating money laundering and terror...

Coverage General Indian Economy

Article

September 11, 2025

Anirban Bhattacharya

To undo the deadly noose of loan apps, RBI’s occasional warnings won’t do

A new ecosystem based on loan apps has mushroomed across India’s financial landscape over a decade, preying on those abandoned by the formal banking sector. A survey conducted by LocalCircle from July 2020 to June 2022 showed that 14 per cent of those surveyed utilised instant loan applications. Wh...

Coverage Debt Crisis & NBFCs General Indian Economy

Article

July 24, 2024

Amitanshu Verma

Why RBI’s financial governance should address social and environmental concerns

The Reserve Bank of India released a new draft of the project finance framework in May. To address risks and impacts, it must integrate social and environmental considerations, writes the author of this commentary. Large-scale projects such as highways and hydropower often rely on public financing...

Coverage General Indian Economy

Article

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Categories

RBI

RBI Attack on Small Borrowers – New RBI Governor Should Act

BULA to Kill Self Help Movement

Rising debt, falling savings, liquidity crunch, and the struggle for stable growth | Finance Matters, 21 February 2025 | Editorial

The Banking Sector Reveals the Middle Classes Aren’t Really Getting a ‘Bonanza’

The Dangers of Neo-Banking, Fintechs, and the Inactiveness of the RBI

The Magic of Falling NPAs! | Finance Matters | 13 December 2024 | Editorial

EMIs on loans for destroyed homes in Wayanad? Landslide of inequality: The cost of banking priorities

Note the hypocrisy

To undo the deadly noose of loan apps, RBI’s occasional warnings won’t do

Why RBI’s financial governance should address social and environmental concerns

RBI Attack on Small Borrowers – New RBI Governor Should Act

BULA to Kill Self Help Movement

Rising debt, falling savings, liquidity crunch, and the struggle for stable growth | Finance Matters, 21 February 2025 | Editorial

The Banking Sector Reveals the Middle Classes Aren’t Really Getting a ‘Bonanza’

The Dangers of Neo-Banking, Fintechs, and the Inactiveness of the RBI

The Magic of Falling NPAs! | Finance Matters | 13 December 2024 | Editorial

EMIs on loans for destroyed homes in Wayanad? Landslide of inequality: The cost of banking priorities

Note the hypocrisy

To undo the deadly noose of loan apps, RBI’s occasional warnings won’t do

Why RBI’s financial governance should address social and environmental concerns