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Dipankar Choudhury

Mint Author

ARTICLES BY DIPANKAR CHOUDHURY

Banks now expect to wean depositors away from those funds—they fought hard against the tax arbitrage that benefited fixed income funds, and finally won. Photo: Pradeep Gaur/Mint

Do bank deposits really need crutches?

3 min read . 21 Jul 2014

In India, unlike other countries, asset reconstruction companies (ARCs) were set up as private, and not government-sponsored entities. Photo: Pradeep Gaur/Mint

Celebrate credit quality transparency initiatives

3 min read . 02 Jul 2014

India’s finance and defence minister Arun Jaitley. Photo: Reuters

Mr Jaitley, hasten slowly

4 min read . 18 Jun 2014

The Central Bureau of Investigation (CBI) did not know the meaning of the word spectrum when the 2G spectrum scam was taken up by it for investigation. Photo: Ramesh Pathania/Mint

We desperately need more public capacity

4 min read . 03 Jun 2014

A file photo of K.C. Chakrabarty. Photo: Abhijit Bhatlekar/Mint

The witticisms of K.C. Chakrabarty

3 min read . 23 Apr 2014

It is easy to blame RBI for using the safety pretext and issue few licencing to hide its own lack of regulatory capacity or acumen. Photo: Pradeep Gaur/Mint

Why two licences is all that we could have expected

4 min read . 09 Apr 2014

The unfortunate challenge is that bank credit is necessary for oiling the wheels of the economy. Photo: Pradeep Gaur/Mint

Why it is hard to lend to the right borrowers

4 min read . 27 Mar 2014

Raghuram Rajan, governor of the Reserve Bank of India. Photo: Indranil Bhoumik/Mint

Raghuram Rajan and the ‘governator’ phenomenon

3 min read . 12 Mar 2014

The key conclusion from the NSFR paper is that lending rates need to go up by 40-50 basis points bps to conform to the NSFR requirements. Photo: Priyanka Parashar/Mint

More capital and liquidity: towards what end?

4 min read . 18 Feb 2014

It has been found that power companies are fleecing hapless consumers because miners are fleecing hapless power producers who in turn are fleecing hapless distributors. Photo: Mint

How to win a race to the bottom and influence people

4 min read . 30 Jan 2014

The fact that Indian banks are not well-equipped as yet to finance large amounts of truly local businesses in other countries without a sufficiently long presence there is now more or less understood. Photo: Pradeep Gaur/Mint

The deceptive lure of Indian banks’ international businesses

4 min read . 15 Jan 2014

Indian companies do not have a culture of pre-announcements, and neither have Sebi and RBI formulated rules for the same. But it needs to be developed and furthered. Photo: Hindustan Times

Break it slowly? The timing of company releases

3 min read . 01 Jan 2014

In March 2008, state-owned banks’ year-over-year loan growth was 22.5% and that of private banks 19.9%, which widened to as much as a 21.9% vs. 4.2% differential by July 2009. Photo: Bloomberg

Lesser known drivers of the credit quality quagmire

4 min read . 18 Dec 2013

What everyone conveniently forgets is that an ATM is not tied to the mother bank—the free usage of another bank’s ATM (up to a fairly liberal limit) has made the ATM a near-public place. Photo: Indranil Bhoumik/Mint

Is the bank ATM a public good?

3 min read . 27 Nov 2013

The idea of immediate de-listing may be unworkable simply because at 58%, the government is far away from the 90% required for de-listing and it does not have the fiscal resources to buy out minority shareholders at one stroke. Photo: Priyanka Parashar/Mint

De-list public sector banks

4 min read . 13 Nov 2013

Photo: Pradeep Gaur/Mint (Pradeep Gaur/Mint)

Wisecracks on the currency

4 min read . 10 Oct 2013

Photo: Pradeep Gaur/Mint (Pradeep Gaur/Mint)

Cups of tea, banks and insurers

3 min read . 23 Sep 2013

Illustration: Jayachandran/Mint

Bad loans and the death of the base rate

4 min read . 31 Jul 2013

The Central machinery in financial policy is very developed, with capabilities of public institutions such as RBI and Sebi in line with those in advanced nations. Photo: Bloombarg (Bloombarg )

Centre-state relations in the world of financial policy

4 min read . 10 Jul 2013

The logical future for PFC and REC will be to get merged into a commercial bank, preferably a large one. Photo: Mint (Mint )

Why power sector financiers shouldn’t diversify into banking

4 min read . 05 Jun 2013

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