कागदांची भिंत : कर्जाच्या चौकटीबाहेर राहिलेल्या महिला

मुलाच्या उपचारासाठी पैशांची तातडीची गरज होती. उपचारासाठी पैसे कुठून आणायचे हा प्रश्न तिच्यासमोर आ वासून उभा होता. नवऱ्याचा मागच्याच वर्षी अपघातात मृत्य झाला, कुटुंबाची सर्व जबाबदारी आता तिच्याच खांद्यावर होती. फॅक्टरीत रोजंदारीवर जाऊन त्यातून...

Read more March 25, 2026 at 5:05 pm Abhidha Niphade

Towards Budget 2026: Banks are Doing Great, But People Aren’t

Instead of fancy salons in the name of Insolvency and Bankruptcy Code that gives convenient haircuts to the super rich, we need a budget that makes amends to actually improve recoveries instead of the...

Read more January 23, 2026 at 5:16 pm Anirban Bhattacharya & Nancy Pathak

Imaginary figures to dramatize the Labour Codes – Should SBI’s Economic Research Wing do this?

Researchers and writers are expected to analyse schemes critically. They should look at the positives and negatives. Once upon a time, SBI’s Economic Research Wing used to do this. Often, it used to be...

Read more December 22, 2025 at 12:26 pm Thomas Franco

Civil society leaders urge RBI and banks to provide loan relief amid 2025 monsoon disaster losses

More than 100 civil society organisations and individuals — including Medha Patkar of Narmada Bachao Andolan, Shaktiman Ghosh of the National Hawkers Federation, Thomas Franco, former General Secretary of the All India Bank Officers...

Read more September 16, 2025 at 4:43 pm Counterview

BULA BILL TO SAVE SHYLOCKS?

The Statement of the Peoples Commission on Public Sector and Public Services has declared that the BULA Bill fails to rein in predatory lending activities.The summary of the statements is given below: The Department...

Read more August 19, 2025 at 3:17 pm Thomas Franco

A Quick Glance through the Financial Stability Report 2025

As the Reserve Bank of India celebrates the “resilience” of India’s financial system in its latest Financial Stability Report (June 2025), this briefing cuts through the celebratory tone to examine the deeper, often concealed,...

Loan Write-offs and Reduction in Rural Bank Branches Are Undermining Financial Inclusion in India

As the DFS gears up for its stock-taking meet, it must recall that true financial inclusion needs more public sector bank branches and staff. It appears that a major stock-taking and brainstorming is being organised by...

Read more June 27, 2025 at 5:09 pm Anirban Bhattacharya

Reducing Small Loans from Banks – A Serious Alarm, Act Immediately

After nationalisation of 14 banks in 1969 and 6 more in 1980, access to credit became possible for small borrowers. But everything changed after 1991 and worsened after 2014. Please refer to tables from...

Read more June 20, 2025 at 10:59 am Thomas Franco

Is RBI’s New Plan for Bad Loans Just Another Quick Fix?

In a country like India, where millions hover between poverty and fragile middle-class dreams, every bad loan is more than a financial misstep – it’s a broken promise. The Reserve Bank of India’s (RBI’s)...

Read more May 24, 2025 at 5:38 pm Pranay Raj

RBI Draft on Gold Loans Sending People to Money Lenders!

RBI Governor on 9th April 2025, after the Monetary Policy Committee meeting, announced that co-lending model will be expanded and a draft guideline for lending against gold will be circulated. RBI / 2025-26 /...

Read more May 22, 2025 at 4:43 pm Thomas Franco

Increase in ATM Charges and RBI Actions and Inactions

From the first of May, the Reserve Bank of India (RBI) has permitted the banks, an increase in the charges for ATM transactions above a free limit. The free limit is 5 transactions in...

Read more May 6, 2025 at 11:06 am Thomas Franco

अधोसंरचना विकास के नाम पर कर्ज का दर्द

वर्ष 2005 में नगर निगम जबलपुर ने शहर में सीवर लाइन व नाला निर्माण वाटर ड्रेनेज योजना के नाम पर एशियन डेवलपमेंट बैंक से 196 करोड़ का कर्ज लिया था।न तो सीवर लाइन का...

Read more April 17, 2025 at 9:47 am Raj Kumar Sinha

കടം എഴുതിത്തള്ളാൻ വൈകുന്നതെന്ത്?, ആശങ്കയിലാണ് മുണ്ടക്കൈ ദുരിതബാധിതർ

‘ആ രാത്രിയെ കുറിച്ചുള്ള പേടിപ്പിക്കുന്ന ഓർമയാണ് ഞങ്ങൾക്കിപ്പോഴും. കുടുംബത്തിലെ പതിനാല് പേരെയാണ് ഉരുളെടുത്തത്. എന്റെയും ഭാര്യയുടെയും മാതാപിതാക്കൾ, വീടും വീടിനോട് ചേർന്നുള്ള സ്ഥലങ്ങൾ എല്ലാം നഷ്ടപ്പെട്ടു. മനസിനാകെ ഒരു മരവിപ്പാണ്. കരകയറാൻ മുന്നിൽ ഒരു വഴിയും കാണുന്നില്ല. മൊത്തം ശൂന്യതയാണ്. പുനരധിവാസമായിട്ടില്ല. ആർക്കും ഉയർത്തെണീക്കാൻ പറ്റാത്ത സാഹചര്യമാണ്...

Read more November 12, 2024 at 2:51 pm Muhammed Althaf

Loan Waiver to People Affected by Disaster – Wayanad and Beyond: Is it a Just Demand?

Random Reflections The government and banks, which write off crores of depositors’ money to benefit the wealthiest, make a hue and cry when farmers or disaster-affected people demand loan waivers. Disasters occur frequently across...

Read more October 31, 2024 at 10:50 am Thomas Franco

100 Days of Economy & Finance: More of the same. But also forced reversals on some fronts

A hundred days isn’t really enough to evaluate the policies of a regime pertaining to finance and economy, but it is enough so far as to get the drift. And an overview of the...

Read more October 9, 2024 at 10:00 pm CFA

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