The behavioural mechanics that make notice-and-consent models ineffective
In this post, we present our findings from our literature review based on which we conducted the behavioural study.
Addressing Borrower Distress- A Principle-based Approach
In this post, to help enhance the efficacy of relevant frameworks, we lay out the key principles that the two primary actors, the banking sector regulator and the regulated…
How Microcredit Borrowers Availed the COVID-19 Debt Moratorium: A Case Study
In this blog post-through a case study, we analyse how microcredit borrowers availed the debt moratarium and through that identify how much they may have been impacted by COVID-19…
Our Response to RBI’s Consultative Document on Regulation of Microfinance
In this blog post, we present a summary of our response to the consultative document.
Assessing Transparency of Indian Banking System’s Public Risk Disclosure Regime – A Regulation Based Approach
In this paper, we assess the public disclosure regime of the Indian banking sector & provide our recommendations that RBI can consider implementing to enhance the transparency of disclosures
A Potential Regulatory Approach to Creditworthiness Assessments in Microfinance
In this post, we revisit the issue of over-indebtedness in microfinance and provide a set of suggestions to address them
De-Risking Lenders, Safeguarding Borrowers: A Case for Commodity Derivatives
In this post, we discuss the market & regulatory barriers that prevent most farmers, banks & NBFCs from participating in the commodity derivatives market
Our Response to RBI’s Discussion paper on Revised Regulatory Framework for NBFCs – A Scale-Based Approach, 2021
In this blog post, we share our responses submitted to the RBI to the questions posed in the discussion paper
Regulatory and Supervisory Approaches for NBFCs
In this position paper, we articulate how NBFCs can be regulated and supervised to enhance efficiency for the overall financial system
Regulation of information flows as Central Bank functions? Implications from the treatment of Account Aggregators by the Reserve Bank of India
This paper seeks to understand the role of the Indian Central Bank in regulating information flows through Account Aggregators.