21 October, 2025Deregulating deposits: What India’s experience tells us about banking today
Amid a sharp liquidity deficit, Indian banks are aggressively raising deposit rates to attract household savings – a pattern last observed over a decade ago. This article investigates what the curre...
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Yogeshwar Bharat Subhadeep Halder Nirupama Kulkarni 
06 October, 2025
- Articles
Stability at the cost of growth? Rethinking liquidity rules in India’s banking sector
Liquidity regulation – quantity-based requirements mandating banks to maintain enough high-quality assets to meet short-term obligations during periods of stress – is a long-standing policy tool o...
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Sameedh Sharma
- 24 July, 2025
- Articles
The State within India’s corporate bond market
The value of gross issuances in India’s corporate bond market has grown by 150% over the past decade. In this post, Harsh Vardhan contends that while the market has become bigger, reforms are needed...
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Harsh Vardhan
- 12 June, 2025
- Perspectives
Will demonetisation lead to a protracted economic slowdown?
In this article, Pandey and Sengupta argue that the impact of the contractionary demand shock triggered by the note ban will gradually radiate from cash-intensive activities to virtually every sector ...
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Radhika Pandey Rajeswari Sengupta
- 15 December, 2016
- Perspectives
The demonetisation boondoggle
In this article, Amartya Lahiri, Professor of Economics at the University of British Columbia, argues that all public policy must rely on a clear-headed cost-benefit analysis and the recent demonetisa...
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Amartya Lahiri
- 04 December, 2016
- Perspectives
why demonetisation?
In this article, Sarmistha Pal, Chair in Financial Economics at the University of Surrey, examines whether the current government’s stance in tackling black money has significantly differed from its...
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Sarmistha Pal
- 01 December, 2016
- Perspectives
Demonetisation and agricultural markets
In this article, Aggarwal and Narayanan contend that demonetisation alone cannot turn agricultural markets cashless. Such a shift would require sustained and focussed effort to expand the reach of for...
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Nidhi Aggarwal Sudha Narayanan
- 30 November, 2016
- Perspectives
Consequences of the demonetisation shock
In this article, Sudipto Mundle, Emeritus Professor at NIPFP, contends that we are likely to see a significant dip in economic activity till January 2017 or even till the end of the current financial...
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Sudipto Mundle
- 29 November, 2016
- Perspectives
Notes ban: Modinomics vs. Moditics
Maitreesh Ghatak, Professor of Economics at the London School of Economics, contends that while the ban on high-denomination currency notes is bad economics, it is a brilliant political move.
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Maitreesh Ghatak
- 23 November, 2016
- Perspectives
Demonetisation and rural cooperative banks
The RBI has barred rural cooperative banks from exchanging or accepting the denotified Rs. 1,000 and 500 notes. In this article, Ajay Vir Jakhar of Bharat Krishak Samaj - a non-partisan association of...
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Ajay Vir Jakhar
- 22 November, 2016
- Notes from the Field
A monetary economics view of the demonetisation
The demonetised Rs. 1,000 and 500 notes were 86% of the total volume of cash in India. In this article, Ajay Shah, Professor at NIPFP, argues that if a significant scale of firm failure were to come a...
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Ajay Shah
- 21 November, 2016
- Perspectives
Going cashless but thinking cash?
In this article, Bappaditya Mukhopadhyay, Professor of Economics and Finance at the Great Lakes Institute of Management, contends that switching from a predominantly cash-based to cashless economy nee...
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Bappaditya Mukhopadhyay
- 20 November, 2016
- Perspectives
Picking up the pieces
In an earlier article , Pronab Sen, Country Director, IGC India Central, examined some of the economic consequences of the recent demonetisation of Rs. 1,000 and 500 notes in India, and concluded that...
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Pronab Sen
- 18 November, 2016
- Perspectives
Policymaking in the ‘grey zone’
Prerna Mukharya, Founder of Outline India – a social enterprise that focuses on data collection, impact assessments and evaluation studies, predominantly working with rural populations in remote are...
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Prerna Mukharya
- 17 November, 2016
- Notes from the Field
Currency shock: Does the gain justify the strain?
On the evening of 8 November, PM Modi announced that 1,000 and 500 rupee notes will cease to be legal tender post-midnight. In this article, Parikshit Ghosh, Associate Professor of Economics at the D...
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Parikshit Ghosh
- 11 November, 2016
- Perspectives
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India’s insurance sector: Challenges and opportunities
While India’s insurance sector has been growing dynamically in recent years, its share in the global insurance market remains abysmally low. This article traces the journey of the Indian insurance s...
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Financial inclusion in India: Progress and prospects
Financial inclusion is globally considered as a critical indicator of development and well-being of society. In this post, Srinivasa Rao traces the financial inclusion journey in India so far, and dis...
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RBI’s costly experiments with the currency
During 2023-2024, the average annual volatility of the rupee-dollar exchange rate was 1.8% – the lowest in over two decades. In this post, Patnaik, Pandey and Sengupta explain why sudden and sharp l...
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