Banks NPA – A Primer… (Part I)

Honorable Supreme Court’s intervention in NPA (Non Performing Asset) deliberation on a Public interest litigation, lends considerably more seriousness to the whole debate regarding Bank’s NPA. The banks Gross NPA plus restructured assets)  has gone up from less than 6% of total advances in March’11 to nearly 13% by March’15 and still remains around the same level. It … Continue reading Banks NPA – A Primer… (Part I)
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सोना मुद्रीकरण योजना… (भाग 2)

ग्राहक को जमा करने की समय समय अवधि बतानी होगी. लंबी अवधि के लिए जमा करने पर ब्याज दर ज्यादा मिलेगा। वापसी के समय ग्राहक को सोना वापस मिल जाएगा और ब्याज की राशि नकद या सोने का भुगतान किया जा सकता है।योजना से प्राप्त हुए सोने को बैंक एमएमटीसी या किसी अन्य जौहरी को … Continue reading सोना मुद्रीकरण योजना… (भाग 2)
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Gold Monetisation Scheme – Another feather in the cap.. (Part I)

Imagine each gram of gold floating around in the market as one thousand rupee note and being exchanged as easily as the note. Since the note is easily available and easily tradeable, there is no incentive to build up an inventory for future needs or for fear of its price going up, unless the notes … Continue reading Gold Monetisation Scheme – Another feather in the cap.. (Part I)
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Interest Subvention vs Interest Subsidy – A far reaching reform measure…

The Finance secretary Mr Ratan Watal’s statement on the issue again re-affirm the fact that the government is firing on all cylinders and in all directions..! The proposal simply means that instead of mandating banks to give loans at lower rates to certain categories such as farmers or textiles plants under different schemes, it will … Continue reading Interest Subvention vs Interest Subsidy – A far reaching reform measure…
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RBI Policy – The Rationale…

The much anticipated rate cut did happen, apart from some other far reaching announcements. It may be worthwhile to understand the reasoning… Inflation has moved along the expected lines. While there are risks to the projection arising out of  unseasonal and uncertain rains, impact of 7th pay commission on demand and consequently on prices, there … Continue reading RBI Policy – The Rationale…
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