Journal articles: 'Reserve Bank of India. Archives'

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Bharti, Nisha. "Evolution of agriculture finance in India: a historical perspective." Agricultural Finance Review 78, no. 3 (June 4, 2018): 376–92. http://dx.doi.org/10.1108/afr-05-2017-0035.

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Purpose Lack of access to finance is one of the major contributing to low profitability in agriculture. Various policy interventions were performed for promoting access to finance. However, access to finance always remained one of the biggest challenges to Indian policymakers. The purpose of this paper is to explore the policy interventions in the areas of agriculture finance. Design/methodology/approach This paper makes an attempt to explore the relation of earlier policy initiatives with the current microfinance industry as well. The data for the paper are collected from Reserve Bank of India Archive Museum at Pune. This Museum is having huge collection of archives of policy documents of the Indian financial sector and is one of its kinds in India. Findings The study concludes that many of the interventions of today were earlier experimented or proposed in the past but, due to some or the other reason those, interventions were not successful. The study concludes that if those interventions had been implemented that time, it would have taken India in one of the tops in the list of financial inclusion. Originality/value This paper is a unique in its feature as it has tried to link the evolution of agriculture finance and the microfinance industry of India as microfinance is an integral part of agricultural finance in India.

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Tiwari, Alok, and Mohammed Aljoufie. "Examining why developers encourage foreign investment in local residential real estate in India." International Journal of Housing Markets and Analysis 9, no. 4 (October 3, 2016): 580–600. http://dx.doi.org/10.1108/ijhma-10-2015-0061.

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Purpose The study aims to explore the role of non-resident Indian (NRI) investors into staggering local housing market and the efforts of developers and regulators to lure such investors. Design/methodology/approach Primary data for this exploratory study were assembled through a Google form-based questionnaire circulated over internet among NRIs residing in Kingdom of Saudi Arabia, USA, Singapore and United Arab Emirates, whereas the secondary data sources include the Government of India policy documents, World Bank data, Reserve Bank of India archives and reports published in reputed financial and others print media sources. Findings Indian housing market is confronted with a demand and supply mismatch at present. While a massive demand lingers at affordable housing segment, on the contrary, millions of housing inventories are also piling up. Consequently, property developers are attempting to lure the large population of NRIs residing at global cities. Study observes that sentimental attachment to the homeland, higher rate of returns, anticipated rental incomes are the major decisive elements. Additionally, growth in infrastructure, world-class amenities offered by developers, conformity to sustainability and political stability is the other critical reasons. Research limitations/implications On first hand, the study outlines a novel kind of foreign investment in Indian local residential real estate that is via NRI channel. Second, non-resident investors might surprise to the property developers and government through a realistic strategic approach. Originality/value Probably, the study is first of its type gazing at NRI investors, as a foreign investor, in the local residential real estate.

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Kumawat, C. A. Hemraj. "Reserve Bank of India V/s. Central Government of India." Journal of Commerce and Management Thought 10, no. 4 (2019): 395. http://dx.doi.org/10.5958/0976-478x.2019.00026.0.

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Sircar, Subhalakshmi, and Sandeep Goel. "Monetary Policy of Reserve Bank of India: Role of Bank Lending." Arthshastra : Indian Journal of Economics & Research 4, no. 3 (June 1, 2015): 33. http://dx.doi.org/10.17010/aijer/2015/v4i3/71378.

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Mehta, Ashishbhai Chitranjan. "Indian banking and role of Reserve Bank of India." SAARJ Journal on Banking & Insurance Research 9, no. 4 (2020): 5. http://dx.doi.org/10.5958/2319-1422.2020.00024.7.

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6

Mazumder, Sandeep. "The Taylor Rule and the Reserve Bank of India." Indian Economic Journal 60, no. 4 (January 2013): 125–42. http://dx.doi.org/10.1177/0019466220130407.

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7

Bhat, Aijaz Ahmad, and Javaid Iqbal Khan. "Central Bank Independence: A Pseudo de Facto Case of Reserve Bank of India." Asia-Pacific Journal of Management Research and Innovation 17, no. 3-4 (September 2021): 115–28. http://dx.doi.org/10.1177/2319510x221136680.

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The trend of studies dealing with the correlation between central bank independence and inflation rose to prominence in the last twentieth century, 1980’s. These phenomena lead to development of certain empirical indices for measuring CBI across the countries. This study tries to evaluate the central bank independence in India using the index modelled on the lines of Jasmine Mona and Talla with minor modification regarding price stability objective. The study covers the time period from 1990–1991 till 2018–2019. The results found were that CBI has in India has more or less increased but improved significantly since the adoption of inflation targeting and formation of monetary policy committee post 2016.

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Tiwari, Aviral Kumar, and Phouphet Kyophilavong. "Exchange Rates and International Reserves in India." South Asia Economic Journal 18, no. 1 (March 2017): 76–93. http://dx.doi.org/10.1177/1391561416684237.

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This article aims to study the relationship between real effective exchange rate (REER) and international reserve in India by applying the bivariate and conditional bivariate Granger causality test in frequency domain framework proposed by Breitung and Candelon (2006). The variables that are included to condition the frequency domain are the industrial production index, stock prices and wholesale producer index. Results found the evidence of business cyclical causality running from international reserve to REER for frequencies between 0.01 and 1.63 that corresponds to the 4 months and higher months cycles in India. The results have a strong bearing on the policy implications of India and any country alike it. The study concludes that the Reserve Bank of India should consider exchange rate as a grave determinant to manage appropriate forex reserve.

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Agrawal, Reena. "Review of Initiatives taken by the Government and the Banking Regulator for Successful Transition to a Financially Inclusive Economy: An Empirical Study of India." Economic Analysis 52, no. 1 (June 24, 2019): 81–96. http://dx.doi.org/10.28934/ea.19.52.12.pp81-96.

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The current study was taken up to review the initiatives taken by the Government of India and Reserve Bank of India to promote financial inclusion in India. The aim was also to study the impact of these initiatives on the financial inclusion. The paper also intended to explore the impact of increasing penetration of mobile phone and internet on financial inclusion. The study revealed that government initiatives like Pradhan Mantri Jan Dhan Yojana, Aadhar Enabled Payment Systems and Direct Benefits Transfer; regulatory reforms by Reserve Bank of India such as Immediate Payment Service, Prepaid Payment Instruments, differentiated banks; digital revolution and active participation of private technology companies, are facilitating in successful transition into a financially inclusive economy.

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Brahman, Beena Sagarmal. "Performance Evaluation of Bank of India and Union Bank of India with Respect to Priority Sector." INDO-ASIAN JOURNAL OF FINANCE AND ACCOUNTING 3, no. 2 (2022): 161–74. http://dx.doi.org/10.47509/iajfa.2022.v03i02.08.

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It is been said that India is an agricultural country. And an Indian banking industry plays a significant role in flourishing the Indian agricultural industry. The commendable contribution of the banking sector is one of the major reasons for the upliftment of agricultural industry as a whole. As per National Statistical Office, agricultural sector contributes 20.19% to the total economy of India. Reserve Bank of India has taken an initiative specifically to foster the growth of priority sector. Establishment of Regional Rural Banks is an outcome of those reforms taken place in the banking industry. Even the major players of the Public Sector Banks are indulged vigorously to support rural India. A researcher here has put in efforts to understand and analyze the contribution and role of Bank of India and Union Bank of India in this noble initiative of Government of India. Exponential Growth rate has been considered as a tool to check the intensity of financial contribution of both banks in the upliftment of rural India.

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Arora, Nitin, and Harinder Kaur Gill. "Book review: Duvvuri Subbarao. Who Moved My Interest Rate? Leading The Reserve Bank of India through Five Turbulent Years." South Asian Journal of Macroeconomics and Public Finance 7, no. 1 (May 10, 2018): 130–36. http://dx.doi.org/10.1177/2277978718760073.

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Kaur, Mandeep, and Samriti Kapoor. "Basel II in India: Compliance and Challenges." Management and Labour Studies 36, no. 4 (November 2011): 299–318. http://dx.doi.org/10.1177/0258042x1103600401.

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The stability of International banking system has emerged as a key concern for regulators in rapidly changing global banking scenario. In order to strengthen the soundness and stability of banks, Basel Committee on Banking Supervision (BCBS) came out with a comprehensive, flexible and risk sensitive framework known as Basel II. This paper attempts to assess in detail the role of Reserve Bank of India, in implementation of Basel II framework in Indian banking Scenario. For this purpose, Annual reports of Reserve Bank of India for the period 2002–03 to 2009–2010 have been analyzed in detail. The study has indicated that RBI has taken significant and structural initiatives to implement the Basel II norms in Indian financial system. It also gives glimpse of New Capital Adequacy framework to strengthen the banking structure. The study further throws light on challenges faced by Indian banking industry for the purpose of envisaged implementation of Basel II Accord.

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Mathew, Jaya, and Reeba Kurian. "Engendering Women’s Access to Credit through Financial Inclusion in India." International Journal of Economics and Finance 8, no. 6 (May 24, 2016): 201. http://dx.doi.org/10.5539/ijef.v8n6p201.

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<p>Government of India and Reserve Bank of India has undertaken a lot of measures to mitigate the problem of financial inclusion in India. The emergence of Self Help Groups (SHGs) and SHG-Bank linkage Programme have helped extensively to strengthen the poor especially women. In India due to social and cultural reasons women face greater challenges in access to formal finance.</p><p>This study highlights the representation of Women in Self Help Groups (WSHGs) and SHG-Bank Linkage programmes undertaken by the Government of India (GOI) and National Bank for Agriculture and Rural Development (NABARD) and tries to establish that these initiatives have improved women’s access to finance in India.</p>

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Sharma, Meenal. "Inclusive & Sustainable Growth â€“ Role of Reserve Bank of India." Journal of Global Economy 13, no. 2 (June 26, 2017): 131–45. http://dx.doi.org/10.1956/jge.v13i2.462.

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Fast paced economic growth is supposed to be the panacea for many problems in developing countries like poverty reduction, generation of employment, improvement in standard of living etc. However, just fast paced growth if not necessarily inclusive and sustainable will not meet the desired objectives for under- developed and emerging economies in the long-run.In India, after independence the government targeted economic growth but relied on the â€˜Trickle Downâ€™ effect for a balanced and equitable growth. It was during the Ninth plan period that the government documents having realised that the â€˜Trickle-down effectâ€™ did not work as was predicted by economic pundits and the benefits of economic growth were not being equitably shared.The conceptual change in the policy making was thus adopted in India after the Ninth Five Year Plan has been that instead of focusing the policy making to income redistribution aspects, the focus would be on sustainable and â€˜inclusive growthâ€™ essentially meaning a growth process involving participation of all sections of the society in economic activity, generating income through it and being able to spend that income with choice.Inclusive and sustainable growth has since then become the focal point of the governmentâ€™s policy making efforts. Fast paced economic growth that is sustainable as well as inclusive is only possible through easy access to finances, well developed financial markets i.e. â€˜financial inclusionâ€™. The development of financial markets and its various measures positively contribute to economic growth.The role of Indiaâ€™s Central bank is vital in this regard as it is the primary body responsible for â€˜financial inclusionâ€™.Â Â Â

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Dasari, Er Sunil. "Is Bank Locker the Safest Option? (New Guidelines of Reserve Bank of India on Bank Safe Deposit Lockers)." Management Accountant Journal 56, no. 10 (October 31, 2021): 97. http://dx.doi.org/10.33516/maj.v56i10.97-100p.

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Bhati, Shyam, Anura De Zoysa, and Wisuttorn Jitaree. "Factors affecting the liquidity of commercial banks in India: a longitudinal analysis." Banks and Bank Systems 14, no. 4 (December 10, 2019): 78–88. http://dx.doi.org/10.21511/bbs.14(4).2019.08.

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This paper examines the long-term effect of various regulatory, bank-specific and macroeconomic factors on the determination of liquidity in Indian banks. For this purpose, the study uses a random effect panel data regression model and tests it with data on Indian banks for 21 years, covering the period from 1996 to 2016. The model considers the effect of regulatory factors, cash reserve ratio, and statutory liquidity, and incorporates four different liquidity ratios specific to the Indian banking scenario. The results of the analysis show contrasting relationships between the independent variables and the dependent variables measured by four liquidity ratios.It is interesting to note that Indian banks rely more on asset-based liquidity and less on liability-based liquidity. More specifically, the most important liquidity ratio of L1 (liquid assets to total assets ratio) showed a significant relationship with macroeconomic variables of discount rates, call rates, foreign exchange reserve, exchange rate with US dollar, consumer price index and gross domestic product. L1 also showed a significant relationship with bank-specific variables of capital to total assets and bank size. However, the regulatory factors of cash reserve ratio and profitability determined by return on equity (ROE) and non-performing assets were not found to have any effect on liquidity of Indian banks.

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Irdana, Nuryuda, and Sthanu Kumarawarman. "Konsep Penataan Koleksi Museum untuk Mempermudah Pemahaman Wisatawan dalam Wisata Edukasi Arsip dan Koleksi Perbankan di Museum Bank Mandiri Jakarta." Diplomatika: Jurnal Kearsipan Terapan 1, no. 2 (May 22, 2018): 132. http://dx.doi.org/10.22146/diplomatika.35174.

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AbstractMuseum is one of the element that reserve cultural heritage which connecting people from past to present. Collection management is a way to create museum as a trusted information resources place. As a part of educational tourism, Bank Mandiri Museum administrators have to able to managing archives and collections in the museum. This research used inductive reasoning method. Observation, interview and also literature studies were data collecting methods that used in this research. The results of this research show that the storyline built by Bank Mandiri are the storyline of bank services, operation, documents, securities, facilities and bank equipments from time to time. Whereas for archives and collections management, Bank Mandiri Museum uses three approaches, that are thematic, taxonomic and also chronologic. IntisariMuseum merupakan salah satu elemen untuk melestarikan heritage yang menghubungkan masyarakat dari masa lalu ke masa kini. Manajemen koleksi merupakan jalan untuk merancang museum sebagai sumber informasi yang dapat dipercaya. Sebagai bagian dari wisata edukasi, pengelola Museum Bank Mandiri telah menata arsip dan koleksi yang dimiliki museum. Penelitian ini menggunakan metode inductive reasoning. Observasi, wawancara dan kanjian literatur merupakan metode untuk mengumpulkan data yang digunakan dalam penelitian ini. Hasil dari kajian ini menunjukkan bahwa storyline yang dibangun oleh Bank Mandiri merupakan storyline dari pelayanan bank, operasi, dokumen, keamanan, fasilitas dan alat yang digunakan di bank dari masa ke masa. Sedangkan untuk manajemen arsip dan koleksi, Museum bank mandiri menggunakan tiga pendekatan, yaitu tematik, taksonomi dan kronologi.

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Srinivas, V. "Book Review: Duvvuri Subbarao, Who Moved My Interest Rate? Leading the Reserve Bank of India through Five Turbulent Years." Indian Journal of Public Administration 64, no. 1 (February 15, 2018): 131–34. http://dx.doi.org/10.1177/0019556117735462.

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19

Mathur, Rajul. "The delay in the formation of the Reserve Bank of India: the India Office Perspective." Indian Economic & Social History Review 25, no. 2 (June 1988): 133–69. http://dx.doi.org/10.1177/001946468802500202.

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Dey, Sourav, and Sujit Mandal. "Fluvial Processes and Channel Stability of the Torsa River, West Bengal (India)." Journal of Geographical Studies 2, no. 2 (April 12, 2019): 62–78. http://dx.doi.org/10.21523/gcj5.18020202.

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Fluvial processes such as bank erosion plays an important role to change the channel stability of the Torsa River in the downstream region. The present study was focused on stream stability assessment of the Torsa River. The study area is situated between the downstream of the Jaldapara Reserve Forest and confluence of Kaljani River. Data of different parameters about 64 bank segments of the Torsa River were prepared using the field work techniques for assessing the stream bank conditions using lateral, vertical and overall reach stability models. The individual results of BEHI and NBS ratings show that out of 64 bank segments only 35 and 19 bank segments classified in higher categories. Overall lateral stability analysis shows that most of the sample bank segments are in an unstable condition. All bank segments are vertically unstable and degrading. Overall reach stability analysis shows widespread instability. BEHI and NBS results are almost similar for most of the bank segments and therefore, BEHI and NBS can be suitable bank erosion hazard predictive models in the study for channel stability analysis.

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Goyal, Ashima, and Prashant Parab. "Central Bank Communications and Professional Forecasts: Evidence From India." Journal of Emerging Market Finance 20, no. 3 (October 10, 2021): 308–36. http://dx.doi.org/10.1177/09726527211044056.

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We analyze the influence of qualitative and quantitative communications of the Reserve Bank of India (RBI) on inflation expectations of professional forecasters and draw out implications for policy. Estimating Carroll-type epidemiological models of expectation formation under information rigidities, we get a large speed of adjustment of professional forecasters’ expectations. Analysis of the determinants of inflation forecasts, inflation surprises, and forecaster disagreement reveals significant influence of quantitative RBI communications in the form of inflation projections. This effect is prominent for shorter-horizon forecasts and after adoption of flexible inflation targeting. Macroeconomic fundamentals like lagged inflation and repo rate also significantly influence inflation forecasts. Choice of words in the RBI monetary policy statements has more impact after October 2016, when the monetary policy committee became the decision-making body. JEL Classification: E31, E52, E58

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Kumar, Neeraj, Satish Chandra Tiwari, and Pooja Choudhary. "Mergers and Efficiency Gains: A Case of Indian Banks." Asian Journal of Empirical Research 9, no. 9 (October 1, 2019): 230–37. http://dx.doi.org/10.18488/journal.1007/2019.9.9/1007.9.230.237.

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This paper reflects an attempt to measure the effect of mergers on efficiency of banks in India. Five major merger cases in India during 2000 to 2005 were examined to measure the pre- and post-merger efficiency to achieve the purpose of this study. Secondary data were obtained from bulletins and reports of the Reserve Bank of India (RBI) and Data Envelopment Analysis (DEA) was employed to calculate efficiency. The study found efficiency gains in four merger cases except the merger of the Oriental Bank of Commerce with the Global Trust Bank. The findings of the study suggest that market driven mergers boost and forced mergers lead to a decline in the efficiency of banks.

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Sharma, Vinod. "Comparative study of financial resources of Rajasthan Marudhara Gramin Bank and Baroda Rajasthan Kshetriya Gramin Bank." RESEARCH HUB International Multidisciplinary Research Journal 9, no. 2 (February 20, 2022): 24–27. http://dx.doi.org/10.53573/rhimrj.2022.v09i02.005.

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Presently the share capital of Rajasthan Marudhara Gramin Bank is 20,00,000 lakhs and the regular and paid-up capital is Rs 18193 lakhs, which is 50: 35: 15 by the Government of India, State Bank of India (Sponsor Bank) and State Government (Government of Rajasthan) respectively. proportionate to. At the end of the current 2017-2018, the reserves and balance stood at Rs.47994.77 lakh. There has also been a substantial increase in the number of deposits and accounts of current account, savings account and periodic account from the year 2012 to 2018. Priority was given to availing low-cost refinance by the bank over the years. Proper management of cash and funds is the key to the profitability of the bank. Therefore, the bank has ensured that the cash balance of the fund is maintained. There has also been a steady increase in the minimum balance balance, deposit balance with other banks, average cash balance and average deposit percentage in different years. Marudhara Gramin Bank also has cash balance with Reserve Bank of India, Sponsor Bank and other banks. There has also been a steady increase in the investment amount of the bank from the year 2012 to 2018. The bank has its own investment policy, which is prepared in accordance with the directions issued by the Reserve Bank of India and NABARD and the sponsor bank from time to time. SLR by the bank as per the guidelines of Reserve Bank of India/NABARD. and non SLR There has been a steady increase in investment in securities. Abstract in Hindi Language: राजस्थान मरूधरा ग्रामीण बैंक की वर्तमान में अंश पूॅजी 20,00,000 लाख है तथा नियमित व प्रदत्त पूॅजी 18193 लाख रूपये है, जो भारत सरकार, स्टेट बैंक आॅफ इण्डिया (प्रायोजक बैंक) एवं राज्य सरकार (राजस्थान सरकार) द्वारा क्रमष 50: 35: 15 के अनुपात में अभिदत्त है। वर्तमान 2017-2018 के अन्त में आरक्षितियों व अधिषेष रूपये 47994.77 लाख रही। वर्ष 2012 से 2018 तक चालू खाता, बचत खाता व आवधिक खाता की जमाओं व खातों की संख्या में भी पर्याप्त वृद्धि हुई है। विभिन्न वर्षो में बैंक द्वारा कम लागत के पुनर्वित्त प्राप्त करने को प्राथमिकता प्रदान की गई। नकदी एवं निधि का उचित प्रबंधन बैंक की लाभदायकता की कुंजी है। अतः बैंक ने निधि के नकद शेष रखा जाता सुनिष्चित किया गया। विभिन्न वर्षो में न्यूनतम शेष हस्थ, अन्य बैकों के साथ जमा शेष, औसत नकद शेष तथा औसत जमा प्रतिषत में भी निरन्तर वुद्धि हूई है। मरूधरा ग्रामीण बैंक का रिजर्व बैंक आॅफ इण्डिया, प्रायोजक बैंक व अन्य बैकों के साथ भी नकद शेष है। वर्ष 2012 से 2018 तक बैंक के विनियोग राषि में भी राषि में भी निरन्तर वृद्धि हुई है बैंक की अपनी निवेष नीति बनी हुई है जो भारतीय रिजर्व बैंक निर्देशों तथा नाबार्ड एवं प्रायोजक बैंक द्वारा समय पर जारी दिशा-निर्देशों के अनुरूप तैयार करता है। बैंक द्वारा भारतीय रिजर्व बैंक/नाबार्ड के दिशा निर्देशानुसार एस.एल.आर. और गैर एस.एल.आर. प्रतिभूतियों में निवेश में निरन्तर वृद्धि हुई है। Keywords: नकद, नाबार्ड, विनियोग, निवेश

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Bhattacharjee, Animesh, Madhu Kumari, and Joy Das. "Investigating the Impact of the Announcement of Loan Moratorium on Stock Prices: Evidence from Indian Public Sector Banks." Jindal Journal of Business Research 9, no. 2 (November 25, 2020): 106–16. http://dx.doi.org/10.1177/2278682120969014.

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The present article applies event study methodology in an attempt to investigate the impact of the announcement of 3-month moratorium by Reserve Bank of India on Indian public sector bank equity returns. For the present study, the estimation period is considered to be 120 trading days while the event window is considered to be 21 trading days. To compute the expected returns, the study uses a single-index model or the market model proposed by Fama [Fama, E., 1976. Foundations of finance. Basic Books]. The findings of the study suggest that the market responded to the news relating to the liquidity infusion by the Reserve Bank of India, falling global indices, development of potential coronavirus vaccine, and the announcement of 3 weeks period lockdown. The study further concluded that the market anticipated that the government may announce loan moratorium since industry bodies like The Associated Chambers of Commerce and Industry of India and The Federation of Indian Chambers of Commerce and Industry have recommended loan moratorium in order to safeguard the business enterprises especially the micro-, small- and medium-enterprise sector. Thus, the adjustment in the bank stock prices occurred before the announcement of the 3-month loan moratorium and as a consequence the average annual return on day ED-0 is found to be insignificant.

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Bhuvana, Dr M. "Evaluation of Financial Inclusion Index for accessing Banking Technology through Rural Population from the States of India." Restaurant Business 118, no. 8 (August 24, 2019): 261–65. http://dx.doi.org/10.26643/rb.v118i8.7685.

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Reserve bank of India has described the term Financial Inclusion as the sequence of activities that has taken place in proving financial services to the most vulnerable people in country at a very low affordable cost. The financial services like assess to financial products such as small deposits and savings, providing basic credit requirements through formal financial institutions like post offices, banks, microfinance institutions and banks. Rural people faces may issues and challenges in using financial products and services to meet their basic needs. Hence this research study has done an analysis to evaluate index of financial inclusion for various states of India with four different types of dimensions like Penetration of Bank Branches in rural areas, Credit Penetration, Deposit and Penetration of Insurance Companies in the rural regions of all the states of India. Different resources namely the website of Reserve Bank of India, Census 2011 data, articles and journals has been utilized to gather the secondary data for the study. The dimensions such as deposit, credit, insurance company penetration and bank branch penetration in rural areas of different states of India has been measured by accessing multidimensional approach to examine financial inclusion index 2018. From the research study, it is found that the states Puducherry, Daman & Diu, Chandigarh and Goa has Financial Inclusion at below average level (between 35-50) and the remaining states in India has financial inclusion at very low level in rural areas (Below 35).As concerned with rural population many states in India has financial inclusion at below average and lower level. The concern authorities from Indian Government should examine those states that are highly eliminated from accessing banking services to restructure the position of financial inclusion

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Bora, Subhrajyoti. "Job analysis and development of job descriptions at the Reserve Bank of India." JIMS8M: The Journal of Indian Management & Strategy 19, no. 3 (2014): 54. http://dx.doi.org/10.5958/0973-9343.2014.01236.8.

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Akhtar, Shakeb, Mahfooz Alam, and Mohd Mohsin Khan. "YES Bank Fiasco: Arrogance or Negligence." Emerging Economies Cases Journal 3, no. 2 (December 2021): 95–102. http://dx.doi.org/10.1177/25166042211061003.

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The present case study is based on the nation’s biggest-ever banking failure of India’s fastest-growing private bank, YES Bank. The YES Bank fiasco showcases the prevalent flaws of uprising NPAs and mounting bad debts in the financial sector. Post Asset Quality Review (AQR) conducted by RBI elucidate that the NPA of YES Bank is seven times higher than the actual reported amount in their audit book. The sudden trauma reflected the events unfolding in the bank as the share market plummets drastically and the losses enlarged exponentially. To stymie further deterioration, the Reserve Bank of India (RBI) stepped in and took over YES Bank management. The economy is already set to decelerate to an 11-year low following demonetization and the outbreak threatens to delay a revival in an emerging economy like India. The subject that this case will fit in is Capital Structure, Corporate Governance and Ethics and Auditing.

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Koehl, M., G. Piasny, V. Thomine, P. A. Garambois, P. Finaud-Guyot, S. Guillemin, and L. Schmitt. "4D GIS FOR MONITORING RIVER BANK EROSION AT MEANDER BEND SCALE: CASE OF MOSELLE RIVER." ISPRS - International Archives of the Photogrammetry, Remote Sensing and Spatial Information Sciences XLIV-4/W1-2020 (September 3, 2020): 63–70. http://dx.doi.org/10.5194/isprs-archives-xliv-4-w1-2020-63-2020.

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Abstract. The "Wild Moselle" regional nature reserve extends over 13 km at the western foothills of the Vosges Mountains (France). The hydrological regime of the river is characterized by high flow in winter and spring and low flow in summer. Its average slope is 0.12 % and its average bankfull width is 60 m. The coarse sediment load comes mainly from bank erosion. Although this sector is relatively less affected by past or present human activities, the propagation of morphodynamic adjustments initiated by actions carried out both upstream and downstream of this sector impacts the current functioning of the river. These erosion waves converge today towards the central part of the reserve, which led to the collapse of the central pier of the Bainville-aux-Miroirs bridge during a 2-year flood in 2011, and could induce potential risks of defluviation which may destabilize infrastructures. In this context, the study carried out aims to characterize and anticipate the morphodynamic evolutions of the Moselle to be able to propose scenarios of management and restoration of the lateral mobility of the river. For this purpose, a 2D hydro-sedimentary model is being built over the entire reserve, combined with a detailed morpho-sedimentary monitoring. In order to improve the understanding of the lateral migration of the Moselle River, a photogrammetric monitoring was carried out along the concave bank of the most active meander of the studied sector. To follow this morphological evolution more closely, it was decided to establish a 4D GIS. The objective of this monitoring is to compare the rate of bank retreat with hydrodynamic parameters in order to estimate the geotechnical properties of the bank. Comparison of the observed and modelled bank retreat must thus allow these different parameters to be calibrated in the hydro-sedimentary model. As part of this work, this paper aims to highlight the use of 4D GIS to monitor bank retreat at the scale of a meander bend and is divided into three different parts: (i) a state of art to situate the study into the current knowledge and technologies, (ii) a presentation of the study area and the measurements carried out and (iii) a description of the different 3D or 4D data produced and the consequent spatial analyses.

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Bhole, L. M. "Recent Changes in the Theory and Policy of Cash Reserves Ratio and Statutory Liquidity Ratio: A Critical Appraisal." Vikalpa: The Journal for Decision Makers 18, no. 4 (October 1993): 3–14. http://dx.doi.org/10.1177/0256090919930401.

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As a part of financial sector reforms, the Reserve Bank of India is committed to a reduction in the Cash Reserves Ratio (CRR) and the Statutory Liquidity Ratio (SLR). This paper by L M Bhole examines this issue critically and argues that the present economic conditions as well as the future economic scenario in India do not warrant a reduction in the CRR and the SLR.

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Ajaz, Taufeeq. "Nonlinear Reaction functions: Evidence from India." Journal of Central Banking Theory and Practice 8, no. 1 (January 1, 2019): 111–32. http://dx.doi.org/10.2478/jcbtp-2019-0006.

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Abstract This paper uses time-series data from India and tests for asymmetries in policy preferences of the Reserve Bank of India (the Central Bank of India, hereafter RBI). The results show evidence in favour of preference asymmetries in monetary policy reaction function in India and hence nonlinearities in the Taylor-rule. Evidence of both recession avoidance preference (RAP) as well as inflation avoidance preference (IAP) is established. And it is found that RAP is dominant over IAP, thus confirming nonlinearities in reaction function which in the present case turns out to be concave in inflation and output gap. Further, the results indicate preference asymmetries in both the objectives. The coefficient weights to positive and negative inflation and output gap differ over long time horizons thus confirming asymmetric policy preferences. Specifically the RBI seems to be more averse to a negative output gap (contraction) as compared to an equal positive gap. In addition, the RBI appears to be more averse to a positive inflation gap as compared to an equal negative gap.

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Mani, Mukta. "A Qualitative Study on Financial Inclusion Initiatives in India." International Journal of Social Ecology and Sustainable Development 13, no. 1 (January 2022): 1–10. http://dx.doi.org/10.4018/ijsesd.289217.

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Bankers’ perception about various financial inclusion programs is a significant factor in successful implementation of financial inclusion initiatives. This study is aimed to investigate the experiences of bankers about various financial inclusion initiatives through qualitative research design. In-depth interviews of bank managers have been carried out in Ghaziabad district of India. The results indicate that shortage of staff in banks is a major challenge in Indian banking sector. Financial illiteracy and unawareness are the other challenges which are being addressed albeit through Financial Literacy initiatives of the Reserve Bank of India. Timely hiring of new staff in banks, their preparation and readiness for better decision making would certainly affect the situation of financial inclusion. The study is unique as it highlights the issues of financial inclusion through a qualitative research and provides bankers’ point of view on same.

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Das, Kaushik. "Role of Cooperative Banks in Economic Developments: An Empirical Study of Balangir District Central Cooperative Bank, Odisha." International Academic Journal of Business Management 9, no. 1 (February 28, 2022): 01–11. http://dx.doi.org/10.9756/iajbm/v9i1/iajbm2022.

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As we know a lot of factors are important for an economic development, banking sector plays a pivotal role in Economic development of a country by collecting the extra fund in the form of savings from the general people and by disbursing the same as loan to needy. Successful of macro economic development depends upon micro development. In a country like India cooperative banks have significant impact on economy. They are registered under the cooperative society Act, 1992 & regulated by Reserve Bank of India under Banking Regulation Act, 1949. This study is based on the performance of Balangir district central cooperative bank, issues & operational efficiency.

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Das, Kaushik. "Role of Cooperative Banks in Economic Developments: An Empirical Study of Balangir District Central Cooperative Bank, Odisha." International Academic Journal of Business Management 9, no. 1 (February 28, 2022): 01–11. http://dx.doi.org/10.9756/iajbm/v9i1/iajbm0901.

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As we know a lot of factors are important for an economic development, banking sector plays a pivotal role in Economic development of a country by collecting the extra fund in the form of savings from the general people and by disbursing the same as loan to needy. Successful of macro economic development depends upon micro development. In a country like India cooperative banks have significant impact on economy. They are registered under the cooperative society Act, 1992 & regulated by Reserve Bank of India under Banking Regulation Act, 1949. This study is based on the performance of Balangir district central cooperative bank, issues & operational efficiency.

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Gautam, Taruna, and Kapil Garg. "Union Bank of India: Initiatives towards IT-enabled Financial Inclusion." South Asian Journal of Business and Management Cases 3, no. 2 (November 24, 2014): 149–56. http://dx.doi.org/10.1177/2277977914548331.

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The economy is on the path of growth trajectory as a result of vibrancy in all-round economic activities. At present, the financial depth in Indian economic scenario is not that encouraging as in other Asian countries, although it has demonstrated gains in momentum. There is a strong interrelationship between economic growth and financial growth through financial inclusion. Financial inclusion involves the concerns related to the operating costs that are inherent in wider expansion. Similarly, the charges levied are an important aspect, along with the inability to reach rural and unbanked areas. Here, information technology (IT) can play an important role not only in reducing the operating cost but also in covering most of the regions which are unbanked. IT provides various solutions for financial services to the people devoid of banking facilities in the form of mobile banking and micro ATM. This case highlights the various IT measures and schemes launched by Union Bank of India towards financial inclusion as per the guidelines of Reserve Bank of India (RBI).

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Bora, Subhrajyoti. "Job analysis and development of job descriptions at the reserve bank of India, Mumbai." ACADEMICIA: An International Multidisciplinary Research Journal 3, no. 6 (2013): 112. http://dx.doi.org/10.5958/j.2249-7137.3.6.012.

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Jha, Anuradha. "Money and Banking: Select Research Papers by the Economists of Reserve Bank of India." Review of Professional Management- A Journal of New Delhi Institute of Management 1, no. 1 (November 1, 2003): 62. http://dx.doi.org/10.20968/rpm/2003/v1/i1/101116.

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Trivedi, Pushpa. "Money and Banking: Select Research Papers by the Economists of Reserve Bank of India." Journal of Quantitative Economics 2, no. 1 (January 2004): 184–89. http://dx.doi.org/10.1007/bf03404603.

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Ishan Khatri, Prarthana Fabyani, Chehak Rajgarhia, and Sejal Murarka. "Study of Role of Financial Institution in Financial Inclusion." International Journal of Engineering and Management Research 10, no. 6 (December 12, 2020): 35–40. http://dx.doi.org/10.31033/ijemr.10.6.4.

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India is one of the largest growing economies in the world. Financial inclusion is providing financial services at an affordable rate to all people. It comes into existence in the year 1950 establishment of Reserve Bank of India. There are various incentives which have been undertaken to increase financial inclusion in India. With the nationalization of commercial banks. And the formation of NABARD Self-help Groups and Kisan credit bank. After 2000, the schemes like Swavalamban swabhiman have been launched to increase its role. The schemes by government of India like PMJDY and Startup India schemes. Financial inclusion helps in forming cashless economy and increase capital formation and increase economic growth of the country. It provides business and growth opportunities to the Intermediaries. This system also provides affordable services to the poor and played a vital role in improving country financial services.

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KOVACI, Süreyya, and Süleyman ŞEN. "Central Bank Policies of Fragile Five Countries in the Covid-19 Process." Journal of Yaşar University 17, no. 68 (November 1, 2022): 838–56. http://dx.doi.org/10.19168/jyasar.1002021.

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The Covid-19 pandemic has been a trouble and deeply affected the economic conditions of countries. Economy administrators and particularly central banks have been tested seriously in this period. In this period, one of the essential tasks of central banks is to provide the need of liquidity of markets. However, the main objective of Central Banks is price stability. Monetary policies should be applied sensitively by central banks, especially in crisis periods. While liquidity needs of markets taking place, central banks intervene and effort to support declining liquidity. This study examined central banks' monetary policies in the fragile five countries (Turkey, Brasil, India, Indonesia, and South Africa). We investigated these countries' central bank policies, including interest rate, inflation, central bank reserve, exchange rate, and fragile states index in the pandemic period. We determined that the most fragile country among the five countries is Turkey according to the fragile states index, inflation, interest rate, and central bank reserve in the pandemic period.

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Muralidhara, S. V. "UPI Challenges and Direction in Fund Management with Special Reference Banking Sector." International Journal for Research in Applied Science and Engineering Technology 9, no. 12 (December 31, 2021): 1588–93. http://dx.doi.org/10.22214/ijraset.2021.39592.

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Abstract: After demonetization, there was a massive requirement for currency notes, but the government was unable to provide the required quantity of currency notes, and also Indian government wanted to promote cashless transactions. UPI is built over Immediate Payment Service (IMPS) for transferring funds using Virtual Payment Address (a unique ID provided by the bank). Unified Payments Interface is a payment system launched by (NPCI), which is National Payments Corporation of India, and is regulated by the (RBI) Reserve Bank of India, which provides the facility of instant fund transfer between two bank accounts online through payment apps. Digital transactions by UPI have been made very easy. The UPI service is available 24X7, and it is not like RTGS and NEFT, which do not work on holidays and non-banking hours. This will bring tremendous efficiency to the system and help India become a cashless economy. Keywords: Digital illiteracy, Online payments, cashless economy UPI, Mobile phone, digital payment mode

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Basu, Bharati, and Irudaya Rajan. "Investment Expenditure Behavior of Remittance Receiving Households: An Analysis Using Reserve Bank of India Data." Migration Letters 15, no. 3 (July 1, 2018): 303–20. http://dx.doi.org/10.33182/ml.v15i3.354.

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Although it is the world’s largest recipient of remittances, India lacks information about the investment behavior of its remittance receiving households. Using data from Reserve Bank of India and the Tobit analysis, this paper examines how remittances, different household and migrant characteristics have affected both the propensity to invest and the amount of investment by the remittance receiving households. The findings have significant implications for policy purposes. For example, government programs can create incentives for older migrants to have more remittance transfers. Remittance money used for children’s education could be matched to create robust flow of educational investments.

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Rajadhyaksha, Niranjan, and Prakhar Misra. "The Practice of Flexible Inflation Targeting in India – A Preliminary Assessment." Indian Public Policy Review 2, no. 3 (May-Jun) (May 7, 2021): 17–31. http://dx.doi.org/10.55763/ippr.2021.02.03.002.

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This paper examines how the new flexible inflation targeting framework has worked in practice in India, five years after it was introduced. The policy decisions taken by the Reserve Bank of India are analysed on four fronts — the trajectory of inflation, the inflation forecasting record, the voting behaviour of the monetary policy committee, and the ability to keep the weighted average call money rate within the policy corridor. These four themes represent the formal nominal anchor, the intermediate target, the central bank response function and the operating target of monetary policy. Each is a building block of the flexible inflation targeting framework. The paper then offers some suggestions on the road ahead for monetary policy practice in India, both given the experience of the past five years as well as the Covid-19 shock to the Indian economy.

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Maheshwari, Shubhangi. "Overseas Direct Investment from India: Setting Up of Step-Down Subsidiaries." Business Law Review 41, Issue 4 (August 1, 2020): 146–50. http://dx.doi.org/10.54648/bula2020111.

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The Indian legal framework regulating overseas direct investment from India is evolving to adapt to the challenges put forth by the increase in outward investment. In this context, the Foreign Exchange Management (Transfer or Issue of Any Foreign Security) Regulations, 2004 govern the setting up of step-down subsidiaries by an overseas Joint Venture (JV) or Wholly Owned Subsidiary (WOS) of Indian residents. The Regulations, while prohibiting the setting up of step-down subsidiaries by an overseas JV/WOS of an individual, allow the same in the case of overseas JV/WOS of other entities. This article argues that the reasons for this differential treatment include the historically restrictive approach of the Reserve Bank of India towards individuals and its concerns against the roundtripping of funds. The article lays down the context in which the Regulations operate by looking at the reasons that influence outward direct investment in India. It then analyses the regulatory approach governing the setting up of overseas step-down subsidiaries vis-à-vis individuals and other entities, highlighting the underlying concerns of curbing the menace of round-tripping of funds. The article concludes with critiquing the differential treatment between individuals and entities, and the restrictive approach taken in curbing the problem of round-tripping of funds. Indian overseas direct investment, step-down subsidiary, outward Indian investment, multi-layered corporate structure, round-tripping, Reserve Bank of India, Foreign Exchange Management Act.

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Singh, Bhushan, and Sandeep Singh. "Financial inclusion: a tool for socio- economic development." Journal of Management and Science 1, no. 3 (June 30, 2015): 230–38. http://dx.doi.org/10.26524/jms.2015.19.

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Financial inclusion is one of the buzz-words in the development circles lately.It is also one of the major challenges throughout the world today and every government is taking different measures to make this dream come true. Various initiatives were taken up by Reserve Bank of India(RBI)/Government of India(GOI) like nationalization of banks, expansion of bank branch network, establishment & expansion of cooperative and Regional Rural Banks (RRBs), leadbank schemes, formation of Self Help Groups(SHGs), Micro Finance Institutions (MFIs) and Business correspondent model etc.in order to ensure financial inclusion. Besides all these initiativesas per census, 2011, out of 24.67 crore household in the country, only 14.48 crore (58.7%) households had access to organized banking services. To remove this disparity,government launched Pardhan Mantri Jan Dhan Yojna(PMJDY)with the objective to ensure universal access to banking facility with at least one basic bank account for every household.Government has successfully opened more than 12.5crore bank account throughvarious banks and mobilized more than INR10,000 crore deposits up to January, 2015. In this context, this paper is an attempt to study the current trends in financial inclusion in India with special reference to PMJDY.

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Ranganathan, Kavitha, and Amit Kapoor. "Eko: The Mobile Phone as a Financial Identity." Asian Case Research Journal 18, no. 01 (June 2014): 143–73. http://dx.doi.org/10.1142/s0218927514500060.

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Eko Financial Service Private Limited is a young Indian start-up that uses mobile technology for bringing banking to the bottom of the pyramid market. Eko leverages the Banking Correspondent model propagated by the Reserve Bank of India, to provide bank accounts and remittance services for those who have been excluded from the formal banking institutions. With an innovative low-cost technology solution which uses open-source software and cloud computing, the case illustrates how Eko hopes to leverage the mobile revolution sweeping the country to provide financial services to the masses.

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Dsouza, Suzan, Mustafa Raza Rabbani, Iqbal Thonse Hawaldar, and Ajay Kumar Jain. "Impact of Bank Efficiency on the Profitability of the Banks in India: An Empirical Analysis Using Panel Data Approach." International Journal of Financial Studies 10, no. 4 (October 5, 2022): 93. http://dx.doi.org/10.3390/ijfs10040093.

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This study aims to determine the impact of banking efficiency on the profitability of the Indian banking division. The ratios (key variables) used in the study are mentioned by the Reserve Bank of India—RBI (Central bank of India). Through a quantitative approach, pooled panel regression, univariate analysis, correlation, and descriptive statistics models are used by taking annual data of the Indian banking division from 2001 to 2020 available on the Thomson Reuters (Refinitiv) Database. Unbalanced cross-sectional data (panel data) comprising 527 bank-year observations for 33 Indian banks were studied. It was decided to evaluate the impact of efficiency (cost to income ratio and staff expenses to total expenses ratio) on the profitability (return on assets and net interest margin ratio) of the banks from the Indian banking division. The results revealed that the cost to income ratio has a significant negative impact on the bank return on assets and net interest margin ratio. The staff expenses to total expenses ratio has a significant positive impact on the bank return on assets and a positive nonsignificant impact on the bank net interest margin ratio.

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Pandey, Amrendra, Jagadish Shettigar, and Amarnath Bose. "Evaluation of the Inflation Forecasting Process of the Reserve Bank of India: A Text Analysis Approach." SAGE Open 11, no. 3 (July 2021): 215824402110338. http://dx.doi.org/10.1177/21582440211033826.

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This study attempts to evaluate the monetary policy of the Reserve Bank of India (RBI) based on an investigation of the policy statements. The analysis based on text mining of the central bank’s monetary policy statements seeks to unravel the information considered by the central bank and the processes followed in making its inflation forecasts. The findings indicate that although the RBI examined high-frequency economic indicators, its inflation forecasts have generally been off the mark. Specifically, the monetary policy committee failed to foresee the sharp disinflation that followed the demonetization announced on November 8, 2016. This failure resulted in a high real interest rate regime that dealt a blow to the economy staggering under the effects of demonetization. Our research findings show that the monetary policy governance practices need to be refined and better aligned to economic realities, particularly under the RBI’s new monetary policy framework.

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Sharma, Chandan, and Rajat Setia. "Effects of Monetary Shocks on Exchange Rate: Empirical Evidence from India." Studies in Business and Economics 12, no. 2 (August 28, 2017): 206–19. http://dx.doi.org/10.1515/sbe-2017-0030.

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Abstract This paper examines the effect of monetary policy shocks on exchange rate in a Multiple Indicator Approach (MIA) framework. This study has employed a monetary policy index of key monetary policy instruments in India (Bank rate, Cash Reserve Ratio, Repo and Reverse Repo rates). The study finds the empirical evidence for puzzling behavior of price level and exchange rate. Both price and exchange rate increase initially in response to a contractionary policy shock. Policy shocks affect output, inflation and exchange rate to an appreciable extent over a forecasting horizon of one year.

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Ramchandani, Kumar, and Kinjal Jethwani. "Yes bank: an untold story." Emerald Emerging Markets Case Studies 11, no. 1 (May 4, 2021): 1–37. http://dx.doi.org/10.1108/eemcs-04-2020-0123.

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Learning outcomes The learning outcomes are as follows: understand the mechanism of sourcing and allocation of funds in the Indian banking industry; compare financial indicators of Yes bank with the industry average and interpret the hidden stress; understand the role of NPAs in the banking industry and analyze Yes bank’s performance; and identify the possible red signals in the business model of Yes bank. Case overview/synopsis The case narrated the story of Yes bank which was considered as one of the most promising and rising banks of India. The stock of Yes bank had been the preferred investment choice for many investors because of its outstanding performance in almost all the important parameters of the industry since 2005. Since its inception, investors favored the stock with an assumption that this new generation bank had a unique as well as a sustainable banking model. However, after the year 2016, Reserve Bank of India (Indian central bank and banking regulator) found huge under-reporting of non-performing assets (NPAs) in the three (i.e. 2015–16, 2016–17 and 2018–19) out of its four annual regulatory inspections, casting doubt in the way Yes bank functioned. Risk and aggression seemed to be the two most important aspects of Yes bank’s culture and this case tried to narrate the same through various financial indicators. The ratio comparison with the industry average indicated the possible gray areas of Yes bank, which was once considered as the most promising bank of India. Unfortunately, even the change of guard at the helm of Yes bank did not change the fate of the bank. Complexity academic level MBA/PGDBA/Executive MBA. Supplementary materials Teaching Notes are available for educators only. Subject code CSS 1: Accounting and Finance.

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Gupta, Ambuj. "The Devil’s Laugh at Corporate Governance: The Case of Punjab and Maharashtra Co-operative Bank (PMC Bank) India." Indian Journal of Corporate Governance 14, no. 2 (October 10, 2021): 248–67. http://dx.doi.org/10.1177/09746862211047315.

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The trust of depositors in the Indian banking system was shaken in September 2019 when the five-page confession letter written by Joy K Thomas, Managing Director and Chief Executive Officer of Punjab and Maharashtra Co-operative Bank (PMC Bank), one of the ten largest co-operative banks in India revealed gross financial irregularities, collusion and fraud in banking operations of PMC Bank from 2008 onwards. The Reserve Bank of India (RBI) came into swift action and placed curbs on routine banking activities and restricted the withdrawal of money to a limited amount. Succumbing to the shock, depositors protested at several places and even, eleven depositors lost their lives. With a huge exposure of 73% of the overall loan portfolio to a single borrower, Housing and Development Infrastructure Ltd (HDIL) & group companies, that too facing insolvency proceedings, the recovery of full money was almost impossible. The malice at PMC Bank is the classic case of crony capitalism, collusion and fraud, and failure of corporate governance. The case draws important lessons for reforming co-operative banking sector and strengthening banking supervision in the country.

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Journal articles on the topic 'Reserve Bank of India. Archives'

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