Musings of a Banker on Macro Economic variables and few other things

This guide provides important perspectives on various macroeconomic variables like GDP, Inflation, Taxation. It provides a framework to help evaluate the importance and impact of policy actions in an economy. The focus is not on definitions but on inferences a banker should draw.
India’s Digital Personal Data Protection Rules: Game-Changer or Growth Killer for FinTech?

Digital Personal Data Protection (DPDP) Rules 2025 can be a double-edged sword for FinTechs in India. Global experience with GDPR’s in Europe showed us the high costs and steep learning curve of compliance but also proved that businesses emerge stronger when they adapt proactively. For Indian FinTechs, DPDP rules offer opportunities to enhance trust and global competitiveness. But the time to act is now!
Why MSME Bank is a Bad Idea: Better Banking over More Banks

The idea to establish an MSME-focused bank in India seeks to address the long-standing credit gap faced by nano, micro, small, and medium enterprises. While the idea has merit, it also presents significant challenges, including operational complexities and potential overlaps. Piyush Singh explains why a dedicated MSME bank is not the right path
A Comprehensive Guide to Basel Norms

In this comprehensive guide, we explore the Basel norms (1, 2 and 3) in detail, simplifying key concepts to provide a clear understanding of how these regulations work, their evolution, and their importance in maintaining the stability of the global financial system.
The Complete Guide to RBI’s Monetary Policy Instruments

Reserve Bank of India (RBI) and other central banks employ a range of monetary policy instruments to manage liquidity, control inflation, and promote economic growth. In this guide we will explain these tools and their operations.
Truth of Bank Deposits: Safe Bet, Rigged Game, or a Systemic Play?

Bank Deposits remain relatively safer option for a large section of uninformed depositors due to this regulatory safety net, however, the important question is – Are bank deposits designed to provide value to the depositor? or , Is it just part of a rigged game? Amit Balooni explores.
Accelerating Financial Recovery: Leveraging ODR in the Banking Sector

By aligning Online Dispute Resolution processes with the principles outlined by the RBI, Banks and financial institutions can navigate disputes efficiently, reduce recovery time, and bolster customer trust.
De-Dollarisation and its Impact on Indian Economy

De-dollarization refers to the gradual shift away from the dominance of the U.S. dollar in international trade and finance. Many countries, including India, have been exploring ways to reduce their reliance on the dollar due to various economic and geopolitical reasons.
RBI Guidelines on Regulation of Payment Aggregators and Payment Gateways

With the Indian online payments market anticipated to reach $1 trillion by 2023 ,it is no surprise that the RBI has opted to act and chosen full and direct regulatory supervision of payment intermediaries – Payment Aggregators and Payment Gateways. A quick look at the RBI guidelines
RBI accepts key recommendations of IWG

RBI has accepted 21 key recommendations given by Internal Working Group (IWG) in November 2020. This is a quick summary of most significant points