Category: Banking and Finance
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Banking Expansion or Systemic Risk? The Hidden Questions Behind India’s Push for Rural and Informal Sector Lending
India’s banking system is once again being asked to play the role of economic rescuer. The recent direction to Public Sector Banks to prepare scalable lighthouse initiatives for rural lending and informal sector financing appears positive on the surface because agriculture, small enterprises, street vendors, artisans, and rural entrepreneurs continue…
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Platforms, Power and the Invisible Control of Everyday Life
The history of economic power has always moved through different centres of control. In earlier centuries, landowners controlled agriculture, industrialists controlled factories, and banks controlled finance. Today, a new form of power is emerging through consumer technology platforms that increasingly shape how people buy, travel, communicate, learn, entertain themselves, and…
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The Strange Moment When Global Markets Rise but India Slows Down
For many Indians watching television or checking stock apps every evening, the current situation feels confusing. American markets are touching new highs, some European and Asian indices are recovering, technology stocks globally are attracting fresh investment, and optimism around artificial intelligence and energy transition is pushing capital into many economies.…
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India’s Tax Maze and the Growing Global Discomfort with Investing in India
For decades India was presented to the world as a land of demographic strength, entrepreneurship, democracy, and long-term growth potential. From the economic reforms of 1991 onwards, foreign investors slowly began to see India as a serious alternative to many emerging markets. Global fund managers travelled across continents explaining the…
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MSMEs and Credit Facilities: Growth Without Ground Reality
Historical Expansion but Structural Weakness For decades, India has celebrated MSMEs as the backbone of its economy, contributing nearly 30 percent to GDP and employing over 110 million people. Yet, the story of credit to MSMEs has always been a story of intent without deep structural correction. From nationalisation of…
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From Easy Liquidity to Measured Capital: Rewriting the Logic of Finance
A shifting foundation of growth and disciplineFor decades, financial systems across the world have oscillated between abundance and caution. The period after the global financial crisis saw liquidity becoming the primary engine of growth, with central banks flooding markets to revive demand and confidence. Cheap capital flowed easily, often overlooking…
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Liquidity discipline meeting growth ambition
The financial system today stands at a delicate intersection where liquidity management is no longer just a technical exercise of central banks but a strategic lever shaping the direction of economic growth. Historically, financial systems moved in cycles of excess liquidity followed by sharp tightening, from the post liberalisation credit…
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The Fracturing Path to 2030: When Finance, Debt, and Geopolitics Collide
The global development narrative has always been shaped by cycles of ambition and constraint, but the current moment reflects something deeper—a structural dislocation in how development itself is financed, governed, and prioritized. The vision of achieving global development goals by 2030 is increasingly strained, not merely due to implementation gaps…
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The Quiet Build-Up: Is Household Debt the Next Economic Faultline?
Household debt has always been the silent companion of economic growth—rarely celebrated, often ignored, and only fully understood when it becomes unmanageable. From the post-war consumption boom in the United States to the housing-led crises of the late 2000s, history shows that rising household leverage tends to follow optimism, liquidity,…
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Digital Finance and Compliance: Innovation, Control, and the Future of Economic Trust
From Cash Economies to Code Economies: A Historical TransitionThe journey of finance from paper-ledger systems to algorithm-driven ecosystems represents not just technological progress but a fundamental restructuring of economic trust. Historically, financial systems evolved through institutions—banks, regulators, and legal frameworks—that ensured stability through centralized oversight. However, digital finance has shifted…
"Connecting communities, empowering nations: Unifying the Regional and Global Economy ." 