All stories by TAMAL BANDYOPADHYAY
Banks Caught In A Trap
Rediff.com2 days agoThe cost of deposits is on the rise, but banks can't raise interest rate on close to 60% of their loan books, points out Tamal Bandyopadhyay.
BEWARE Of Such Scams!
Rediff.com29 Jul 2024What is digital house arrest? It is a tactic cybercriminals use to confine victims to their homes and scam them, explains Tamal Bandyopadhyay.
The Lives PSU Bankers Lead
Rediff.com15 Jul 2024A peek into the life of a public-sector banker who did well professionally, but paid a price for it, points out Tamal Bandyopadhyay.
Home Loans: To Top Up Or Not To Top Up?
Rediff.com6 May 2024The home loan top-up, a kind of secured multipurpose personal loan, is on the regulator's radar, points out Tamal Bandyopadhyay.
Wage Pact: Will Bankers Make More Money?
Rediff.com2 May 2024Postings to places at an altitude above 1,000 metres but less than 1,500 metres, between 1,500 and 3,000 metres, and above 3,000 metres entail different rates of allowances -- the higher the location, the bigger the allowance, reveals Tamal Bandyopadhyay.
The RBI Story: 90 Years And Going Strong
Rediff.com24 Apr 2024Of the eight RBI governors who have held office since the 1991 economic liberalisation, Bimal Jalan had the longest stint and S Venkitaramanan, the shortest. Current Governor Shaktikanta Das will overtake Bimal Jalan before completing his second term in December, points out Tamal Bandyopadhyay.
The RBI Way Of Firefighting
Rediff.com8 Apr 2024Why is the RBI harsh on Paytm Payments Bank? Why did it give Rana Kapoor of Yes Bank Ltd such a long rope?Often, it's a long investigation process, but the RBI doesn't discuss this openly since that can threaten financial sector stability, explains Tamal Bandyopadhyay.
Gold Loans On RBI, Finance Ministry Radar
Rediff.com28 Mar 2024Loan against gold as a product is catching on fast. Let's keep the momentum going, but aim for sustainable growth. A few bad apples should not ruin the brunch, argues Tamal Bandyopadhyay.
40-year-old fintech gurus need 60-year-olds to handhold them
Rediff.com19 Mar 2024The message is clear: The 60-year-old wise uncles need to handhold the 40-year-old entrepreneurs when, obsessed with ambition and greed for growth, they become a victim of hubris, points out Tamal Bandyopadhyay.
'Banking system has learnt lessons from 2008 crisis'
Rediff.com15 Mar 2024'They have since only tried to improve systems. Also, with regulatory guidance from time to time, we are in a position to assess a situation and react in time.'
Why K V Kamath calls Indian banking system the best in 50 years
Rediff.com14 Mar 2024'I don't think we have ever seen such alignment of everything that we need in the banking sector.'
'Crypto is serious threat to financial stability'
Rediff.com11 Mar 2024'To the believers of crypto regulations, I have only one question to ask, how will you regulate it?'
Will Bull Run In PSU Banks Continue?
Rediff.com6 Mar 2024>It's not easy to predict the market. But there are at least two positive factors to back the PSU banks, explains Tamal Bandyopadhyay.
New Challenges Facing Banks
Rediff.com28 Feb 2024As the fight for deposits intensifies, the cost of money will rise and the margin will be under further pressure, points out Tamal Bandyopadhyay.
Has Paytm Woken Up Too Late?
Rediff.com20 Feb 2024Has Vijay Shekhar Sharma given up on the bank? For now, he seems to be on a save-OCL mission. The bank will face its logical end, observes Tamal Bandopadhyay.
Is Nirmalaji A Believer In Numerology?
Rediff.com3 Feb 2024There hasn't been any dramatic moment in the first act (the Budget) but nobody would complain. It's par for the course as long as the figures don't change in the main Budget, which will be presented after general elections.
P2P Lending: Barking Up The Wrong Tree
Rediff.com24 Jan 2024P2P platforms do not have the safety net. Instead of playing the role of an intermediary, if they run their own balance sheets for safety and growth, it's a recipe for disaster, warns Tamal Bandyopadhyay.
Digital Loan Apps: Boon Or Bane?
Rediff.com18 Jan 2024For the time being, digital lending remains a grey area, notes Tamal Bandyopadhyay.
Unruffled By Pitch, RBI Governor Bats Like Dravid
Rediff.com19 Dec 2023While the economy seems to be on a firm growth path, the fight against inflation is not over yet. Shaktikanta Das seems to be in no hurry. After playing well through a five-year Test match, he doesn't want to get out hit wicket, observes Tamal Bandyopadhyay.
Why RBI Is Worried About The Rise In Personal Loans
Rediff.com28 Nov 2023In the June quarter of FY24, 51 per cent of consumers who took small-ticket personal loans already had more than four credit products at the time of accessing yet another new loan, compared with just 17 per cent in the June quarter of FY20, points out Tamal Bandyopadhyay.