3/3 It is time to review the system and reconsider the system of on-site inspection of the Units, namely; Zonal/Circle Office and the branches of the banks.
#RegulatoryDesign #SystemicRisk #PolicyShift
2/3 The current thought of laying more emphasis on off-site supervision by use of SupTech and undertaking the on-site supervision only at the Head/Corporate Offices of the banks is giving sub-optimal supervisory outcomes.
#RiskDetection #Governance
1/3 ๐
๐จ๐ซ๐ฆ๐๐ซ ๐๐ฑ๐๐๐ฎ๐ญ๐ข๐ฏ๐ ๐๐ข๐ซ๐๐๐ญ๐จ๐ซ (๐๐ฎ๐ฉ๐๐ซ๐ฏ๐ข๐ฌ๐ข๐จ๐ง ๐๐ง๐ ๐๐ฎ๐ฉ๐๐๐๐ก) ๐จ๐ ๐๐๐, ๐๐ซ. ๐๐๐๐ข ๐. ๐๐ข๐ฌ๐ก๐ซ๐ finds the trend of light-touching the rigours of supervision as intriguing.
#BankingSupervision #FinancialSystem
2/2 As supply chains become financially permissioned & geopolitics reshapes insurance markets, Indiaโs move strengthens resilience, builds confidence in high-risk trade corridors, & signals its intent to shape, not just navigate, the future architecture of global commerce, writes Srinath Sridharan.๐
1/2 Indiaโs maritime insurance pool marks a strategic pivot from being a participant in global trade to a protector of its continuity, by bringing risk underwriting within the ambit of state capacity.
@ssmumbai.bsky.social
#EconomicStatecraft #GlobalFinance #MaritimeTrade #PolicyShift
2/2 Whether it is market resilience, institutional strength, energy transition or political arithmetic, the argument is that we may be relying on outdated signals to read a changing world, and mistaking surface movement for deeper structure.
๐๐ก๐๐๐ค ๐จ๐ฎ๐ญ ๐ญ๐ก๐ ๐๐จ๐ฏ๐๐ซ๐๐ ๐ ๐ก๐๐ซ๐๐
#Employment #MiddleEastWar
1/2 This weekโs pieces connect a range of pieces on RBI signalling, the rupee, dual capex cycles, hidden labour stress, climate finance, HDFC vs ICICI, Adani-Blinkitโs airport model and the politics of delimitation through a common question: how often do appearances mislead?
#Economy #RBI
2/2 Representation has been frozen to 1971 population shares even as the country has changed dramatically. Any move to update that arithmetic risks shifting power across states.
Read ๐๐ ๐๐ซ๐ฎ๐งโs column for BasisPoint โ ๐๐๐ฅ๐ข๐ฆ๐ข๐ญ๐๐ญ๐ข๐จ๐ง: ๐๐ก๐ ๐๐ซ๐ข๐ญ๐ก๐ฆ๐๐ญ๐ข๐ ๐จ๐ ๐๐๐ฉ๐ซ๐๐ฌ๐๐ง๐ญ๐๐ญ๐ข๐จ๐ง ๐๐๐ฆ๐๐ข๐ง๐ฌ ๐๐ง๐ฌ๐๐ญ๐ญ๐ฅ๐๐๐
#IndiaPolicy
1/2 The failure of the delimitation amendment is not just about numbers falling short in Parliament. It exposes a deeper unresolved question in Indiaโs political architecture.
#Delimitation #Democracy #Federalism #Representation #PoliticalDesign #Governance
4/4 And with womenโs reservation tied to delimitation, does this debate now shape not just political balance, but the structure of representation itself?
Read ๐๐ฆ๐ข๐ญ๐๐๐ก ๐๐ข๐ฐ๐๐ซ๐ขโs column for BasisPoint โ ๐๐ก๐ ๐๐๐ฅ๐ข๐ฆ๐ข๐ญ๐๐ญ๐ข๐จ๐ง ๐๐จ๐ง๐ฎ๐ง๐๐ซ๐ฎ๐ฆ: ๐๐จ๐ซ๐ญ๐ก ๐ฏ๐ฌ ๐๐จ๐ฎ๐ญ๐ก ๐
๐ฅ๐๐ซ๐๐ฌ ๐๐ฉ ๐ข๐ง ๐๐จ๐ฅ๐ฅ ๐๐๐๐ฌ๐จ๐ง๐
#Governance
3/4 So what defines fairness here? Should representation follow population strictly, or should it account for development outcomes and policy choices? If states that controlled fertility lose influence, what signal does that send for future governance?
#Representation #IndiaPolitics
2/4 What was once a temporary political compromise is now a structural question about representation, incentives, and federal balance.
#Delimitation #Democracy
1/4 Delimitation was always going to return. What was less expected is how sharply it would reopen Indiaโs deepest political fault line. The arithmetic is simple but uncomfortable.
#Federalism #PoliticalEconomy
3/3 The result is a system that prices yesterdayโs risks and slows tomorrowโs investments.
Read ๐
๐จ๐ซ๐ฆ๐๐ซ ๐
๐ข๐ง๐๐ง๐๐ ๐๐๐๐ซ๐๐ญ๐๐ซ๐ฒ ๐๐ซ๐ฏ๐ข๐ง๐ ๐๐๐ฒ๐๐ซ๐๐ฆโs column for BasisPoint: ๐๐ซ๐๐๐ง ๐
๐ข๐ง๐๐ง๐๐ ๐๐ฌ ๐๐จ๐ฅ๐ฏ๐ข๐ง๐ ๐ญ๐ก๐ ๐๐ซ๐จ๐ง๐ ๐๐ซ๐จ๐๐ฅ๐๐ฆ
@arvindmayaram.bsky.social
#InfraTransition #CircularFinance #GlobalFinance
2/3 The problem is not just mobilising capital but enabling it to move. Infrastructure risk declines over time, but capital remains locked in. Public funds stay invested longer than needed, banks hold stabilised assets, and long-term investors struggle to find de-risked opportunities.
#PolicyShift
1/3 Green finance is not failing for lack of innovation. It is failing because the system it operates in is misaligned. We have built more instruments than ever before, yet the financing gap persists.
#GreenFinance #ClimatePolicy #CapitalFlows
6/6 At a time when policymakers are recalibrating the balance between growth, energy security and decarbonisation, this is a timely and deeply grounded assessment of where the power sector stands.
#policy #BasisPoint
5/6 The piece argues that Indiaโs transition will not be judged by how fast it adds renewable capacity, but by how effectively it manages intermittency, affordability and reliability within a still coal-dependent system.
#renewables #grid
4/6 Renewable capacity is accelerating at scale, but the real challenge is shifting from capacity creation to system integration, grid resilience and financial sustainability.
#PowerSector
3/6 For India, the story is more layered.
Demand slowed sharply in 2025, yet the medium-term trajectory remains intact, anchored in rising incomes, industrial expansion and electrification.
#IndiaEconomy
2/6 In his latest column for BasisPoint, ๐๐ข๐๐ก๐๐๐ฅ ๐๐๐๐๐๐ซ๐๐ญ๐ ๐๐๐ญ๐ซ๐ examines how the global surge in electricity demand, driven by AI, data centres and climate shifts, is reshaping growth dynamics, even as it tests the limits of existing grid infrastructure.
#electricity
1/6 ๐๐ฅ๐๐๐ญ๐ซ๐ข๐๐ข๐ญ๐ฒ ๐ข๐ฌ ๐ง๐จ ๐ฅ๐จ๐ง๐ ๐๐ซ ๐ฃ๐ฎ๐ฌ๐ญ ๐๐ง ๐ข๐ง๐ฉ๐ฎ๐ญ, ๐ข๐ญ ๐ข๐ฌ ๐๐๐๐จ๐ฆ๐ข๐ง๐ ๐ญ๐ก๐ ๐๐ฅ๐๐๐ซ๐๐ฌ๐ญ ๐ซ๐๐๐ฅ-๐ญ๐ข๐ฆ๐ ๐ฌ๐ข๐ ๐ง๐๐ฅ ๐จ๐ ๐ก๐จ๐ฐ ๐๐๐จ๐ง๐จ๐ฆ๐ข๐๐ฌ ๐๐ซ๐ ๐๐ฏ๐จ๐ฅ๐ฏ๐ข๐ง๐ .
#EnergyTransition
2/2 The trade channel weakens just as the financial channel begins to tighten balance sheets and credit. What looks expansionary in theory can turn contractionary in practice.
Read ๐ ๐๐ก๐ข๐๐ ๐๐ซ๐๐ฃ๐๐งโs column for BasisPoint ๐
#MacroThinking #BalanceSheetRisk #IndiaMacro
1/2 A weaker rupee is often framed as a growth tailwind. In Indiaโs case, that link is far less reliable. When imports sit deep inside the export chain and corporates carry unhedged foreign currency exposure, depreciation raises costs as much as it boosts competitiveness.
#CurrencyDynamics #Forex
6/6 Agriculture still anchors a large share of employment, and any negative shock tends to propagate into consumption, credit, and broader growth.
This is not yet a crisis, but the contours of one are visible if both shocks persist.
#AgriShock
5/6 At the same time, fertiliser subsidies and rural support spending could rise, stretching fiscal space.
The more structural concern is that rural demand, which has already been uneven, could weaken further.
#MacroThinking
4/6 Even with buffer food stocks in place, policy choices will become harder. Managing inflation may require running down stocks and restricting exports, but that comes at the cost of farmers' realisations.
#RuralEconomy
3/6 In this conversation with ๐๐ก๐๐ง๐๐ง๐ฃ๐๐ฒ ๐๐ข๐ง๐ก๐, we examine how these two forces interact rather than operate independently. The risk is not just lower agricultural output, but a squeeze on farm cash flows, where rising costs meet falling volumes.
#FoodSystems
2/6 What complicates the outlook is the simultaneous shock from the Iran conflict, which is already feeding into higher fertiliser costs, input shortages, and rising energy prices.
#InputInflation
1/6 ๐๐ง๐๐ข๐โ๐ฌ ๐ซ๐ฎ๐ซ๐๐ฅ ๐๐๐จ๐ง๐จ๐ฆ๐ฒ ๐ฆ๐๐ฒ ๐๐ ๐ก๐๐๐๐ข๐ง๐ ๐ข๐ง๐ญ๐จ ๐ ๐ฌ๐ญ๐ซ๐๐ฌ๐ฌ ๐ฉ๐ก๐๐ฌ๐ ๐ญ๐ก๐๐ญ ๐ข๐ฌ ๐ง๐จ๐ญ ๐ฒ๐๐ญ ๐๐ฎ๐ฅ๐ฅ๐ฒ ๐ฉ๐ซ๐ข๐๐๐ ๐ข๐ง.
A deficient monsoon, if it materialises as projected, would have been manageable in isolation.
#ElNinoEffect