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सित॰ 16, 2015
भारत की संवृद्धि का वित्तपोषण- चुनौतियां और भावी दिशा- एस.एस.मूंदड़ा
Shri Yaduvendra Mathur, Chairman & Managing Director, Export Import Bank of India; Shri Sunil Srivastava, Dy Managing Director, State Bank of India; Shri Alok Shriram, President , PHD Chamber of Commerce and Industry (PHDCCI); Shri Sanjeev Gupta, Chairman, Banking Committee, PHDCCI; delegates to the Summit; members of the print and electronic media; ladies and gentlemen! I am grateful to the PHD Chamber for inviting me to deliver the keynote address on a very impo
श्री एस.एस. मूंदड़ा, उप गवर्नर, भारतीय रिज़र्व बैंक
Shri Yaduvendra Mathur, Chairman & Managing Director, Export Import Bank of India; Shri Sunil Srivastava, Dy Managing Director, State Bank of India; Shri Alok Shriram, President , PHD Chamber of Commerce and Industry (PHDCCI); Shri Sanjeev Gupta, Chairman, Banking Committee, PHDCCI; delegates to the Summit; members of the print and electronic media; ladies and gentlemen! I am grateful to the PHD Chamber for inviting me to deliver the keynote address on a very impo
अग॰ 25, 2015
परिवर्तनकारी नवोन्मेश और समावेशी वृद्दि: कुछ यादृच्छिक विचार – आर. गांधी
Friends, Disruptive Innovation 2. By this time, I am sure, you all have heard any number of times through these two days what a disruptive innovation is. Let me make you hear that one more time that it is an innovation that helps create a new market and value network and eventually disrupts an existing market and value network over a few years, displacing an earlier technology. 3. The theory of disruptive innovation was invented by Clayton Christensen, of Harvard Busi
श्री आर. गांधी, उप गवर्नर, भारतीय रिज़र्व बैंक
Friends, Disruptive Innovation 2. By this time, I am sure, you all have heard any number of times through these two days what a disruptive innovation is. Let me make you hear that one more time that it is an innovation that helps create a new market and value network and eventually disrupts an existing market and value network over a few years, displacing an earlier technology. 3. The theory of disruptive innovation was invented by Clayton Christensen, of Harvard Busi
जून 30, 2015
वित्तीय शिक्षा : मूलभूत बातें तथा उसके आगे – एस.एस. मुदंडा
Shri P. K. Panda, Principal, CAB; Shri Sandip Ghose, Director, NiSM; delegates to Conference; my colleagues at RBI and friends from the banking fraternity! It is a pleasure to be here this morning to deliver the keynote address at this Conference on Financial Literacy. I understand that it is quite a heterogeneous group with representation of various stake holders in the field of financial inclusion, literacy and consumer protection and hence, I believe you would have
श्री एस.एस. मूंदड़ा, उप गवर्नर, भारतीय रिज़र्व बैंक
Shri P. K. Panda, Principal, CAB; Shri Sandip Ghose, Director, NiSM; delegates to Conference; my colleagues at RBI and friends from the banking fraternity! It is a pleasure to be here this morning to deliver the keynote address at this Conference on Financial Literacy. I understand that it is quite a heterogeneous group with representation of various stake holders in the field of financial inclusion, literacy and consumer protection and hence, I believe you would have
अप्रैल 20, 2015
भिन्न भिन्न बैंक : संरचना की चुनौतियां - आर गांधी
In a dynamic growth-oriented economy, the financial sector needs to keep pace with the demands of the real sector. It is crucial that the financial system is flexible and competitive to cope with multiple objectives and demands made on it by various constituents of the economy. The financial sector comes of age when it has diverse institutions, catering to different segments, ranging from retail to wholesale, micro-finance to project finance, nurturing specific sector
श्री आर. गांधी, उप गवर्नर, भारतीय रिज़र्व बैंक
In a dynamic growth-oriented economy, the financial sector needs to keep pace with the demands of the real sector. It is crucial that the financial system is flexible and competitive to cope with multiple objectives and demands made on it by various constituents of the economy. The financial sector comes of age when it has diverse institutions, catering to different segments, ranging from retail to wholesale, micro-finance to project finance, nurturing specific sector
अप्रैल 02, 2015
RBI celebrates its 80th Anniversary
Prime Minister urges Banking Fraternity to set Goals for Next 20 Years to remove India's Poverty Opening remarks by Dr. Raghuram G. Rajan, Governor, Reserve Bank of India Prime Minister's remarks Prime Minister's remarks full text in Hindi Video recording of inaugural function of RBI celebrating completion of its 80th year
Prime Minister urges Banking Fraternity to set Goals for Next 20 Years to remove India's Poverty Opening remarks by Dr. Raghuram G. Rajan, Governor, Reserve Bank of India Prime Minister's remarks Prime Minister's remarks full text in Hindi Video recording of inaugural function of RBI celebrating completion of its 80th year
अप्रैल 02, 2015
भारतीय रिज़र्व बैंक की 80वीं वर्षगांठ (2 अप्रैल 2015 को वित्तीय समावेशन सम्मेलन में भारतीय रिज़र्व बैंक के गवर्नर डॉ. रघुराम जी. राजन का उद्घाटन भाषण)
आदरणीय प्रधान मंत्री श्री नरेंद्र मोदी जी, महाराष्ट्र गवर्नर श्री विद्यासाग्गर जी, वित्त मंत्री श्री अरुण जैटली जी, मुख्य मंत्री श्री देवेंद्र फड़नवीस, अन्य विशिष्ट अतिथिगण, मेरे आरबीआई के साथियों, देवियों और सज्जनों। आज भारतीय रिज़र्व बैंक ने अस्सी वर्ष पूरे कर लिए हैं। आदमी के जीवन में अस्सी वर्ष काफी लंबा समय होता है। दक्षिण भारत में अस्सी वर्ष पूरे करने पर सदाभिषेकम नाम से एक समारोह मनाया जाता है। तो एक तरह से आज हम भारतीय रिज़र्व बैंक का सदाभिषेकम मना रहे हैं। लेक
डॉ. रघुराम जी. राजन, गवर्नर, भारतीय रिज़र्व बैंक
आदरणीय प्रधान मंत्री श्री नरेंद्र मोदी जी, महाराष्ट्र गवर्नर श्री विद्यासाग्गर जी, वित्त मंत्री श्री अरुण जैटली जी, मुख्य मंत्री श्री देवेंद्र फड़नवीस, अन्य विशिष्ट अतिथिगण, मेरे आरबीआई के साथियों, देवियों और सज्जनों। आज भारतीय रिज़र्व बैंक ने अस्सी वर्ष पूरे कर लिए हैं। आदमी के जीवन में अस्सी वर्ष काफी लंबा समय होता है। दक्षिण भारत में अस्सी वर्ष पूरे करने पर सदाभिषेकम नाम से एक समारोह मनाया जाता है। तो एक तरह से आज हम भारतीय रिज़र्व बैंक का सदाभिषेकम मना रहे हैं। लेक
मार्च 20, 2015
गरीबी को मात देना: समस्याएं एवं चुनौतियाँ
स्कॉच ग्रुप के अध्यक्ष श्री समीर कोचर, मंच पर विराजमान महानुभाव एवं सभा में उपस्थित अन्य विद्वतजन; इस सम्मेलन में भाग लेनेवाले प्रतिनिधिगण; प्रिंट तथा इलेक्ट्रॉनिक मीडिया के सदस्य; देवियों एवं सज्जनों! यह मेरे लिए अत्‍यंत हर्ष एवं सौभाग्य की बात है कि मैं आज “गरीबी को मात देना” इस विषय पर आयोजित 39वें स्कॉच शिखर सम्मेलन के उदघाटन सत्र में यहां उपस्थित हूँ। शिखर सम्मेलन का यह विषय इस समय बहुत ही प्रासंगिक है जब प्रधानमंत्री जन-धन योजना के अंतर्गत प्रत्येक परिवार को बैं
श्री एस.एस. मूंदड़ा, उप गवर्नर, भारतीय रिज़र्व बैंक
स्कॉच ग्रुप के अध्यक्ष श्री समीर कोचर, मंच पर विराजमान महानुभाव एवं सभा में उपस्थित अन्य विद्वतजन; इस सम्मेलन में भाग लेनेवाले प्रतिनिधिगण; प्रिंट तथा इलेक्ट्रॉनिक मीडिया के सदस्य; देवियों एवं सज्जनों! यह मेरे लिए अत्‍यंत हर्ष एवं सौभाग्य की बात है कि मैं आज “गरीबी को मात देना” इस विषय पर आयोजित 39वें स्कॉच शिखर सम्मेलन के उदघाटन सत्र में यहां उपस्थित हूँ। शिखर सम्मेलन का यह विषय इस समय बहुत ही प्रासंगिक है जब प्रधानमंत्री जन-धन योजना के अंतर्गत प्रत्येक परिवार को बैं
फ़र॰ 20, 2015
Democracy, Inclusion, and Prosperity
Thank you for inviting me to this Festival of Ideas. Since this festival is about ideas, I am not going to tax you with the Reserve Bank’s views on monetary policy, which are, by now, well known. Instead, I want to talk about something I have been studying for many years, the development of a liberal market democracy. In doing this, I will wear my hat as a professor in the field known as political economy, and discard my RBI hat for the time being. If you came here ex
Dr. Raghuram G. Rajan, Governor, Reserve Bank of India
Thank you for inviting me to this Festival of Ideas. Since this festival is about ideas, I am not going to tax you with the Reserve Bank’s views on monetary policy, which are, by now, well known. Instead, I want to talk about something I have been studying for many years, the development of a liberal market democracy. In doing this, I will wear my hat as a professor in the field known as political economy, and discard my RBI hat for the time being. If you came here ex
अक्तू॰ 07, 2014
Role of Financial Sector in Spurring Growth and Expanding Financial Inclusion in North Eastern Region
Introduction The North Eastern Region (NER) of India constitutes eight states namely Arunachal Pradesh, Assam, Manipur, Meghalaya, Mizoram, Nagaland, Tripura and Sikkim1.The NER is a unique socio-cultural segment in the country, richly endowed with natural resources with fertile land, identified as one of the most bio-diverse regions in the World. However, the development of the NER has lagged the rest of the country. The task of development of NER emanating from its
Shri P. Vijaya Bhaskar, Executive Director, Reserve Bank of India
Introduction The North Eastern Region (NER) of India constitutes eight states namely Arunachal Pradesh, Assam, Manipur, Meghalaya, Mizoram, Nagaland, Tripura and Sikkim1.The NER is a unique socio-cultural segment in the country, richly endowed with natural resources with fertile land, identified as one of the most bio-diverse regions in the World. However, the development of the NER has lagged the rest of the country. The task of development of NER emanating from its
सित॰ 16, 2014
बैंकों में अनुपालन प्रणाली की भूमिका पर पुनः जोर - एस.एस. मुंदडा
Shri G. Gopalakrishna, Director, CAFRAL; Shri P.R. Ravi Mohan, Chief General Manager-in-Charge, Department of Banking Supervision, Reserve Bank of India (RBI) and the conference participants! It is a pleasure for me to deliver the keynote address at this Conference of senior representatives of the compliance departments of commercial banks. Across the globe, it is an accepted fact that compliance is an area that warrants considerable attention. In recent times, the em
श्री एस.एस. मूंदड़ा, उप गवर्नर, भारतीय रिज़र्व बैंक
Shri G. Gopalakrishna, Director, CAFRAL; Shri P.R. Ravi Mohan, Chief General Manager-in-Charge, Department of Banking Supervision, Reserve Bank of India (RBI) and the conference participants! It is a pleasure for me to deliver the keynote address at this Conference of senior representatives of the compliance departments of commercial banks. Across the globe, it is an accepted fact that compliance is an area that warrants considerable attention. In recent times, the em
सित॰ 15, 2014
Economic & Financial Outlook
Dr. Raghuram G. Rajan, Governor, Reserve Bank of India
सित॰ 02, 2014
Financial Intermediation for All – Economic Growth with Equity
At the very outset, I thank Dun & Bradstreet for the kind invitation to address the Financial Inclusion conclave today. I attach a great deal of value to this interaction. Financial Inclusion Financial Inclusion is defined as the process of ensuring access to appropriate financial products and services needed by all sections of the society in general and vulnerable groups such as weaker sections and low income groups in particular at an affordable cost in a fair a
Dr. (Smt.) Deepali Pant Joshi, Executive Director, Reserve Bank of India
At the very outset, I thank Dun & Bradstreet for the kind invitation to address the Financial Inclusion conclave today. I attach a great deal of value to this interaction. Financial Inclusion Financial Inclusion is defined as the process of ensuring access to appropriate financial products and services needed by all sections of the society in general and vulnerable groups such as weaker sections and low income groups in particular at an affordable cost in a fair a
अग॰ 11, 2014
वित्त और भारत में उसके लिए अवसर – रघुराम जी. राजन
The late Mr. Lalit Doshi was an IAS officer who passed away at the young age of 52 in 1994. He had a distinguished official career even though it was cruelly cut short. Lalit Doshi was one of those bureaucrats who have constituted the steel frame of this country. It was said of him: "He always had a smile on his face irrespective of the magnitude and the tension of work". In these days where work seems perpetual and overwhelming, he sounds like someone who it would ha
डॉ. रघुराम जी. राजन, गवर्नर, भारतीय रिज़र्व बैंक
The late Mr. Lalit Doshi was an IAS officer who passed away at the young age of 52 in 1994. He had a distinguished official career even though it was cruelly cut short. Lalit Doshi was one of those bureaucrats who have constituted the steel frame of this country. It was said of him: "He always had a smile on his face irrespective of the magnitude and the tension of work". In these days where work seems perpetual and overwhelming, he sounds like someone who it would ha
जुल॰ 25, 2014
ग्रामीण वित्त: मुद्दे और चुनौतियां – हारून आर. खान
At the outset, I thank National Bank for Agriculture and Rural Development (NABARD) for inviting me to this esteemed gathering of experts in the field of rural finance. I am happy that NABARD has organised this National Seminar to mark the completion of 32 years of its existence. Built upon the legacy of Agricultural Credit Department of the Reserve Bank of India and the Agriculture Refinance Development Corporation (ARDC), NABARD today has carved for itself a special
श्री हरुण आर खान, उप गवर्नर, भारतीय रिज़र्व बैंक
At the outset, I thank National Bank for Agriculture and Rural Development (NABARD) for inviting me to this esteemed gathering of experts in the field of rural finance. I am happy that NABARD has organised this National Seminar to mark the completion of 32 years of its existence. Built upon the legacy of Agricultural Credit Department of the Reserve Bank of India and the Agriculture Refinance Development Corporation (ARDC), NABARD today has carved for itself a special
अप्रैल 01, 2014
समावेशन, वृद्धि और अभिशासन – मुद्दे और आगामी मार्ग – के.सी. चक्रवर्ती
Lord Meghnad Desai, Professor Emeritus, London School of Economics; Shri Rana Kapoor, Managing Director & CEO, Yes Bank and President, ASSOCHAM; Shri Sameer Kochhar, Chairman, SKOCH Group; members of the print and electronic media; ladies and gentlemen! It is a pleasure and privilege for me to be present here today at the inaugural session of this SKOCH Summit which features the theme of ‘Inclusion, Growth and Governance’. The theme of the conference is particular
डॉ. के.सी. चक्रवर्ती, उप गवर्नर, भारतीय रिज़र्व बैंक
Lord Meghnad Desai, Professor Emeritus, London School of Economics; Shri Rana Kapoor, Managing Director & CEO, Yes Bank and President, ASSOCHAM; Shri Sameer Kochhar, Chairman, SKOCH Group; members of the print and electronic media; ladies and gentlemen! It is a pleasure and privilege for me to be present here today at the inaugural session of this SKOCH Summit which features the theme of ‘Inclusion, Growth and Governance’. The theme of the conference is particular
मार्च 25, 2014
Strengthening and Revitalising Rural Cooperative Credit Delivery System
1. I am extremely happy to be with you today and thank Dr. Harsh Kumar Bhanwala, Chairman, NABARD and the organizers of this National Meet of State Cooperative Banks for inviting me to share the Reserve Bank's perspectives. 2. Since inception the Indian Cooperative movement was initiated by the Government to align the rural credit system with the objectives of development planning. The RBI played an important role. The RBI's concern and involvement in the sphere of ru
Dr. (Smt.) Deepali Pant Joshi, Executive Director, Reserve Bank of India
1. I am extremely happy to be with you today and thank Dr. Harsh Kumar Bhanwala, Chairman, NABARD and the organizers of this National Meet of State Cooperative Banks for inviting me to share the Reserve Bank's perspectives. 2. Since inception the Indian Cooperative movement was initiated by the Government to align the rural credit system with the objectives of development planning. The RBI played an important role. The RBI's concern and involvement in the sphere of ru
मार्च 04, 2014
Financial Inclusion - The Indian Model – Challenges and Prospects
Dr. (Smt.) Deepali Pant Joshi, Executive Director, Reserve Bank of India
फ़र॰ 13, 2014
समावेशी विकास और इसमें प्रौद्योगिकी की भूमिका – रघुराम जी. राजन
Thank you for inviting me to speak here today. Shri D.R. Gadgil is well known not only as an economist but also as a great educationist and a statesman, having served as a member of Rajya Sabha. We all know of the great contribution he made towards the distribution of plan transfers amongst the Indian states through the famous ‘Gadgil Formula’. The Gadgil formula attempted to ensure that there was objectivity in distribution of funds amongst the states in India. He wr
डॉ. रघुराम जी. राजन, गवर्नर, भारतीय रिज़र्व बैंक
Thank you for inviting me to speak here today. Shri D.R. Gadgil is well known not only as an economist but also as a great educationist and a statesman, having served as a member of Rajya Sabha. We all know of the great contribution he made towards the distribution of plan transfers amongst the Indian states through the famous ‘Gadgil Formula’. The Gadgil formula attempted to ensure that there was objectivity in distribution of funds amongst the states in India. He wr
फ़र॰ 12, 2014
वित्तीय समावेशन: प्रौद्योगिकी, संस्थाएं और नीतियां- रघुराम जी. राजन
Distinguished members of NASSCOM and distinguished guests: Thank you for inviting me to speak here today. The Indian information and communications technology industry that you represent has a proud history of accomplishment. You have done India great service, not just by creating a world class industry but also by showing the rest of us what is possible. I am hopeful that financial firms can join hands with you to build a technology-enabled financial sector that can
डॉ. रघुराम जी. राजन, गवर्नर, भारतीय रिज़र्व बैंक
Distinguished members of NASSCOM and distinguished guests: Thank you for inviting me to speak here today. The Indian information and communications technology industry that you represent has a proud history of accomplishment. You have done India great service, not just by creating a world class industry but also by showing the rest of us what is possible. I am hopeful that financial firms can join hands with you to build a technology-enabled financial sector that can

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