Hamsini Karthik
Vault Matters: Unified Lending Interface’s unanswered questions
From unified payments interface or UPI, the focus this week clearly shifted to ULI, or unified lending interface. Through ULI, the objective of the Reserve Bank of India is to create a technology platform that would harmonise data from different sources –...
1 month ago
Vault Matters: Are banks steady to absorb a rate cut?
This is a huge narrative building around us, making a strong case for why the Reserve Bank of India should consider trimming the benchmark repo rate at the earliest. In fact, two of the outgoing members of the monetary policy committee have for long been...
3 weeks ago
Vault Matters: Priority sector lending or profitable sectors lending?
What does the P in PSL stand for? The answer to this straightforward question is quite simple: PSL is an acronym for priority sector loans. By virtue of being a universal bank, there’s a need to set aside 40 percent of the total loan book to meet the PSL...
1 week ago
Three reasons why October RBI MPC is crucial
The upcoming monetary policy may be one of the most important and interesting one to note for the country.Will it be a unanimous decision to hold rates at the current level with the new monetary policy committee? Will we track the US market on rate cuts l...
1 week ago
RBI MPC Analysis: Don’t read too much between the change in stance
The gone-October monetary policy was expected to be a very interesting one for many reasons. But what finally came through exceeded expectations.Not many had hopes that this policy would see a cut in the benchmark repo rate or a change in stance. While th...
1 week ago
Vault Matters: Who should own banks and non-banks?
It is not so often that the central bank comments on the ownership styles and structures of banks and non-banks. Possibly for the first time on Wednesday, RBI Governor Shaktikanta Das in his monetary policy speech briefly dipped into the topic of ownershi...
5 days ago