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सित॰ 07, 2017
अधुरी कार्यसूची: भारत में सार्वजनिक क्षेत्र के बैंक के स्वास्थ्य को पुन: बहाल करना - विरल वी. आचार्य
Good evening, friends. I am grateful to the Indian Institute of Banking and Finance (IIBF) for inviting me to deliver the 8th R K Talwar Memorial Lecture. Every institution must remember, venerate and celebrate the immense contributions of those who helped lay down and solidify its character for future generations to build upon. Principles, careers and lives such as those of Mr Talwar inspire us, as in Henry Wadsworth Longfellow’s The Psalm of Life: Lives of great men
डॉ. विरल वी. आचार्य, उप गवर्नर, भारतीय रिज़र्व बैंक
Good evening, friends. I am grateful to the Indian Institute of Banking and Finance (IIBF) for inviting me to deliver the 8th R K Talwar Memorial Lecture. Every institution must remember, venerate and celebrate the immense contributions of those who helped lay down and solidify its character for future generations to build upon. Principles, careers and lives such as those of Mr Talwar inspire us, as in Henry Wadsworth Longfellow’s The Psalm of Life: Lives of great men
अग॰ 31, 2017
कृषि ऋण पर माफी पर सेमिनार- प्रभावशीलता और सीमाएं आरंभिक व्याख्यान-उर्जित आर पटेल
Ladies and Gentlemen, On behalf of the Reserve Bank of India, I warmly welcome you and thank you for accepting our invitation to join us today in this seminar. 1. In the recent period, farm loan waivers have engaged intense attention among the farming community, policy makers, academics, analysts and researchers. On the one hand, there is a gamut of issues that have intensified the anguish of our farmers. In this context, farm loan waivers have brought forward the urg
डॉ. ऊर्जित पटेल, गवर्नर, भारतीय रिज़र्व बैंक
Ladies and Gentlemen, On behalf of the Reserve Bank of India, I warmly welcome you and thank you for accepting our invitation to join us today in this seminar. 1. In the recent period, farm loan waivers have engaged intense attention among the farming community, policy makers, academics, analysts and researchers. On the one hand, there is a gamut of issues that have intensified the anguish of our farmers. In this context, farm loan waivers have brought forward the urg
अग॰ 19, 2017
दबावग्रस्त आस्तियों का निवारण: अंतिम अवस्था की तरफ- उर्जित आर पटेल
1. Honourable Finance Minister, Shri Arun Jaitley; Chairman SEBI, Shri Ajay Tyagi; Chairman IBBI, Dr. Sahoo; Managing Trustee, National Foundation for Corporate Governance, Shri Chandrajit Banerjee; ladies & gentlemen. At the outset, I would like to compliment the organisers, Ministry of Corporate Affairs, the Insolvency & Bankruptcy Board of India (IBBI) and the National Foundation for Corporate Governance, for arranging a conference on such a critical nation
डॉ. ऊर्जित पटेल, गवर्नर, भारतीय रिज़र्व बैंक
1. Honourable Finance Minister, Shri Arun Jaitley; Chairman SEBI, Shri Ajay Tyagi; Chairman IBBI, Dr. Sahoo; Managing Trustee, National Foundation for Corporate Governance, Shri Chandrajit Banerjee; ladies & gentlemen. At the outset, I would like to compliment the organisers, Ministry of Corporate Affairs, the Insolvency & Bankruptcy Board of India (IBBI) and the National Foundation for Corporate Governance, for arranging a conference on such a critical nation
मई 30, 2017
बैंकों में ग्राहक सेवा: मानक उँचे करने का समय - एस.एस.मूंदड़ा
Shri A. C. Mahajan, Chairman, Banking Codes and Standards Board of India (BCSBI); Shri Anand Aras, CEO, BCSBI; colleagues from the banking industry; representatives from the media; ladies and gentlemen! At the outset, I would like to thank BCSBI for inviting me for this annual conference of the Principal Code Compliance Officers (PCCOs) in the banks. 2. During the past 12 years of its existence, BCSBI has played a pivotal role in enhancing awareness about customer ser
श्री एस.एस. मूंदड़ा, उप गवर्नर, भारतीय रिज़र्व बैंक
Shri A. C. Mahajan, Chairman, Banking Codes and Standards Board of India (BCSBI); Shri Anand Aras, CEO, BCSBI; colleagues from the banking industry; representatives from the media; ladies and gentlemen! At the outset, I would like to thank BCSBI for inviting me for this annual conference of the Principal Code Compliance Officers (PCCOs) in the banks. 2. During the past 12 years of its existence, BCSBI has played a pivotal role in enhancing awareness about customer ser
अप्रैल 28, 2017
बैंक कुछ ऐसा होना चाहिए जिसपर भरोसा किया जा सके - विरल वी. आचार्य
I am grateful to the Federation of Indian Chambers of Commerce and Industry - FICCI Ladies Organisation, Mumbai Chapter, for inviting me to speak today. I salute FLO’s mission, and wish the very best to the incoming office bearers on their efforts to empower and educate women, unlocking a potential workforce for the Indian economy that can both balance gender distribution of jobs and identify new sources of enterprise and entrepreneurship. I hope that by explaining to
डॉ. विरल वी. आचार्य, उप गवर्नर, भारतीय रिज़र्व बैंक
I am grateful to the Federation of Indian Chambers of Commerce and Industry - FICCI Ladies Organisation, Mumbai Chapter, for inviting me to speak today. I salute FLO’s mission, and wish the very best to the incoming office bearers on their efforts to empower and educate women, unlocking a potential workforce for the Indian economy that can both balance gender distribution of jobs and identify new sources of enterprise and entrepreneurship. I hope that by explaining to
मार्च 02, 2017
निवेशक की रुचि में सुधार लाना- हाल के विधायी और विनियामकीय उपाय- आर गांधी
It is a well recognized fact that clear and efficient laws provide confidence to the investing community. Such investments can be by domestic entities or foreign entities or investment overseas by domestic entities. In the recent past, India has embarked upon a number of legislative and regulatory measures that are certain to create a positive impact on the investment climate prevailing in the country and capable of boosting the confidence of investors. A few such mea
श्री आर. गांधी, उप गवर्नर, भारतीय रिज़र्व बैंक
It is a well recognized fact that clear and efficient laws provide confidence to the investing community. Such investments can be by domestic entities or foreign entities or investment overseas by domestic entities. In the recent past, India has embarked upon a number of legislative and regulatory measures that are certain to create a positive impact on the investment climate prevailing in the country and capable of boosting the confidence of investors. A few such mea
फ़र॰ 21, 2017
बैंक की दबावग्रस्त आस्तियों का दृढ़तापूर्वक समाधान करने के कुछ तरीके- विरल वी.आचार्य

Thank you to organizers of Indian Banks’ Association for inviting me today. To all the Award winners, congratulations on your stellar achievements and the innovative spirit you have shown to be today’s worthy recipients. Technology, “Fin Tech” as you say, is taking banking and intermediation into unchartered territories. I have yet to fathom the full import of these sweeping changes. In the meantime, my subject matter today will be more prosaic and somewhat sobering.

डॉ. विरल वी. आचार्य, उप गवर्नर, भारतीय रिज़र्व बैंक

Thank you to organizers of Indian Banks’ Association for inviting me today. To all the Award winners, congratulations on your stellar achievements and the innovative spirit you have shown to be today’s worthy recipients. Technology, “Fin Tech” as you say, is taking banking and intermediation into unchartered territories. I have yet to fathom the full import of these sweeping changes. In the meantime, my subject matter today will be more prosaic and somewhat sobering.

फ़र॰ 20, 2017
एमएसएमई वित्तपोषण: बैंक और वित्तीय प्रोद्योगिकी (फिनटेक)-प्रतिस्पर्धा,सहकार्य अथवा प्रतिस्पर्धी सहकार्य ?- एस.एस.मुंदड़ा
Mr. Simon Bell, Global lead, SME Finance, World Bank Group; Smt. Surekha Marandi, Executive Director, Reserve Bank of India; Shri P. K. Panda, Principal, College of Agricultural Banking(CAB); Chairmen/CEOs of various banks present here; other senior officers from the banking sector; my colleagues from RBI; ladies and gentlemen! At the outset, let me congratulate CAB for organising this Seminar on the theme of “Coping with the challenges of Financial Technology Innovat
श्री एस.एस. मूंदड़ा, उप गवर्नर, भारतीय रिज़र्व बैंक
Mr. Simon Bell, Global lead, SME Finance, World Bank Group; Smt. Surekha Marandi, Executive Director, Reserve Bank of India; Shri P. K. Panda, Principal, College of Agricultural Banking(CAB); Chairmen/CEOs of various banks present here; other senior officers from the banking sector; my colleagues from RBI; ladies and gentlemen! At the outset, let me congratulate CAB for organising this Seminar on the theme of “Coping with the challenges of Financial Technology Innovat
नव॰ 28, 2016
भारत में बुनियादी सुविधाओं से जुड़े मुद्दे - एन एस विश्वनाथन
I am happy to be here at ASSOCHAM’s Sixth International Summit on Infrastructure financing. Infrastructure plays a crucial role in economic development of a country. In India, too like many other countries, Infrastructure development is a critical aspect of our growth strategy and therefore, the sector gets the importance from all stakeholders commensurate with that role. As you may be aware, Government has announced the target of Rs 25 trillion (US$ 376.53 billion) i
एन.एस. विश्वनाथन, उप गवर्नर, भारतीय रिज़र्व बैंक
I am happy to be here at ASSOCHAM’s Sixth International Summit on Infrastructure financing. Infrastructure plays a crucial role in economic development of a country. In India, too like many other countries, Infrastructure development is a critical aspect of our growth strategy and therefore, the sector gets the importance from all stakeholders commensurate with that role. As you may be aware, Government has announced the target of Rs 25 trillion (US$ 376.53 billion) i
नव॰ 24, 2016
बैंकिंग में सर्वोत्‍तम प्रथाओं का पथप्रदर्शक – भारत का रिकॉर्ड – आर. गांधी
Good evening! 2. In the post-crisis era, the international thinking on banking and finance stands fundamentally changed. Not only did the crisis shake the confidence of all stakeholders in the international financial system but also compelled the regulators and policy makers to review whether their policy framework was sound enough to prevent the outbreak of another crisis of a similar magnitude. From the global consultations, emerged newer and more refined norms of p
श्री आर. गांधी, उप गवर्नर, भारतीय रिज़र्व बैंक
Good evening! 2. In the post-crisis era, the international thinking on banking and finance stands fundamentally changed. Not only did the crisis shake the confidence of all stakeholders in the international financial system but also compelled the regulators and policy makers to review whether their policy framework was sound enough to prevent the outbreak of another crisis of a similar magnitude. From the global consultations, emerged newer and more refined norms of p
सित॰ 30, 2016
प्राथमिकताओं का सटीक निर्धारण - एस.एस.मूंदड़ा
At the outset, I would like to thank Ms. Bhattacharya and State Bank of India for inviting me to speak at this important and eagerly awaited event on the annual calendar. It is a privilege to speak before this august gathering. In context of the theme of the conference i.e. “Laying the Foundations for India’s Growth”, I would say that there are reasons to be optimistic on several fronts: Growth, inflation, demography, entrepreneurship, democracy, political stability,
श्री एस.एस. मूंदड़ा, उप गवर्नर, भारतीय रिज़र्व बैंक
At the outset, I would like to thank Ms. Bhattacharya and State Bank of India for inviting me to speak at this important and eagerly awaited event on the annual calendar. It is a privilege to speak before this august gathering. In context of the theme of the conference i.e. “Laying the Foundations for India’s Growth”, I would say that there are reasons to be optimistic on several fronts: Growth, inflation, demography, entrepreneurship, democracy, political stability,
सित॰ 28, 2016
कमजोर वैश्विक परिवेश में वित्तीय स्थिरता - एस.एस.मूंदड़ा
At the outset, I extend a very warm welcome to Dr. Hans Genberg, Executive Director, the SEACEN Centre and all the participants of the 7th SEACEN High Level Seminar for Deputy Governors, Financial Stability and Supervision [DG (FSS)] and the delegates of the 7th Annual SEACEN DG Meeting (FSS). It is, indeed, a matter of great honour and privilege for the Reserve Bank of India to host this Seminar and the Annual Meet. The theme of the seminar, “Financial Stability in a
श्री एस.एस. मूंदड़ा, उप गवर्नर, भारतीय रिज़र्व बैंक
At the outset, I extend a very warm welcome to Dr. Hans Genberg, Executive Director, the SEACEN Centre and all the participants of the 7th SEACEN High Level Seminar for Deputy Governors, Financial Stability and Supervision [DG (FSS)] and the delegates of the 7th Annual SEACEN DG Meeting (FSS). It is, indeed, a matter of great honour and privilege for the Reserve Bank of India to host this Seminar and the Annual Meet. The theme of the seminar, “Financial Stability in a
सित॰ 07, 2016
भारतीय बैंकों की आस्ति गुणवत्ता: भावी दिशा - एन.एस.विश्वनाथन
The Indian banks in general, and the Public Sector Banks (PSBs) in particular, are grappling with the huge stock of stressed assets that has piled up in the system over the years. Any amount of discussion on the whys and what of stressed assets would therefore never be enough, if it enables us to discern what led to this phenomenal build-up of non-performing assets (NPAs) in our system and determine what we should do to solve them, and identify what could be done diff
एन.एस. विश्वनाथन, उप गवर्नर, भारतीय रिज़र्व बैंक
The Indian banks in general, and the Public Sector Banks (PSBs) in particular, are grappling with the huge stock of stressed assets that has piled up in the system over the years. Any amount of discussion on the whys and what of stressed assets would therefore never be enough, if it enables us to discern what led to this phenomenal build-up of non-performing assets (NPAs) in our system and determine what we should do to solve them, and identify what could be done diff
सित॰ 07, 2016
सूचना प्रौद्योगिकी और बैंकिंग क्षेत्र में साइबर जोखिम-चिंता की उभरती लकीरें - एस.एस.मूंदड़ा
Good Morning! At the outset, I would like to compliment CAFRAL for organizing this International Seminar on Cyber Risk and Mitigation for banks and FIs, a topic which has assumed centre stage, not only in India but globally. Let me begin by quoting John Chambers, former CEO of CISCO, who famously summed up the significance of cyber risk for the enterprises thus: “There are only two types of organisations, one who have been hacked and others who don’t know that they ha
श्री एस.एस. मूंदड़ा, गवर्नर, भारतीय रिज़र्व बैंक
Good Morning! At the outset, I would like to compliment CAFRAL for organizing this International Seminar on Cyber Risk and Mitigation for banks and FIs, a topic which has assumed centre stage, not only in India but globally. Let me begin by quoting John Chambers, former CEO of CISCO, who famously summed up the significance of cyber risk for the enterprises thus: “There are only two types of organisations, one who have been hacked and others who don’t know that they ha
अग॰ 24, 2016
बैंकिंग क्षेत्र सुधार: गंतव्य नहीं, एक यात्रा है - एस.एस.मूंदड़ा
Dignitaries on the dais; colleagues from the banking and financial sector; members of the print and electronic media; ladies and gentlemen! At the outset I thank the Management of the Governance Now, one of the country’s leading publications shaping the public opinion on governance and public policy, for inviting me to deliver the inaugural address at this India Banking Reforms Conclave 2016. I feel this conclave comes at a very important juncture for the economy and
श्री एस.एस. मूंदड़ा, उप गवर्नर, भारतीय रिज़र्व बैंक
Dignitaries on the dais; colleagues from the banking and financial sector; members of the print and electronic media; ladies and gentlemen! At the outset I thank the Management of the Governance Now, one of the country’s leading publications shaping the public opinion on governance and public policy, for inviting me to deliver the inaugural address at this India Banking Reforms Conclave 2016. I feel this conclave comes at a very important juncture for the economy and
अग॰ 23, 2016
एमएसएमई उधार की एबीसीडी- एस.एस.मुंदड़ा
Thank you for inviting me to deliver the keynote address at this second edition of the Conference on MSME Funding. I compliment the CII for having chosen a very relevant theme for the Conference ‘Propelling MSME Growth through Enhanced Financial Access and Support’. The theme lays emphasis on two crucial pillars that are pertinent for the sector i.e. enhancing financial access and ensuring adequate support to enable MSMEs to attain faster growth. 2. It is universally
श्री एस.एस. मूंदड़ा, उप गवर्नर, भारतीय रिज़र्व बैंक
Thank you for inviting me to deliver the keynote address at this second edition of the Conference on MSME Funding. I compliment the CII for having chosen a very relevant theme for the Conference ‘Propelling MSME Growth through Enhanced Financial Access and Support’. The theme lays emphasis on two crucial pillars that are pertinent for the sector i.e. enhancing financial access and ensuring adequate support to enable MSMEs to attain faster growth. 2. It is universally
अग॰ 18, 2016
बैंकिंग के नए प्रतिमान-बैंकिंग आवश्यक है किन्तु बैंक नहीं-क्या सचमुच?- आर गांधी

“Banking is necessary, but banks are not”, I am quoting here Bill Gates, what he said as Chairman, Microsoft, way back in 1994. Today, after twenty two years, has his prediction or forewarning come true? I intend to explore this in today’s discussion with you. 2. It is usual for many of us who lecture others to say ‘We are at cross roads’, ‘The Paradigm shifts that are staring us’ etc. That’s because it takes time to discern the trends that are taking place in any sec

श्री आर. गांधी, उप गवर्नर, भारतीय रिज़र्व बैंक

“Banking is necessary, but banks are not”, I am quoting here Bill Gates, what he said as Chairman, Microsoft, way back in 1994. Today, after twenty two years, has his prediction or forewarning come true? I intend to explore this in today’s discussion with you. 2. It is usual for many of us who lecture others to say ‘We are at cross roads’, ‘The Paradigm shifts that are staring us’ etc. That’s because it takes time to discern the trends that are taking place in any sec

अग॰ 16, 2016
आज के भारत में बैंकिंग-रोचक, लाभदायक एवं चुनौतीपूर्ण - रघुराम जी राजन
Thank you for inviting me to give this address to the FICCI-IBA Annual Global Banking Conference. Perhaps the most important issue on the minds of bankers, given the results season, is the Asset Quality Review initiated in early 2015-16. It has improved recognition of NPAs and provisioning in banks enormously, and many of you have fully imbibed the spirit of the review. Some banks have taken significant steps in recognizing incipient stress early. Now focus should mov
डॉ. रघुराम जी. राजन, गवर्नर, भारतीय रिज़र्व बैंक
Thank you for inviting me to give this address to the FICCI-IBA Annual Global Banking Conference. Perhaps the most important issue on the minds of bankers, given the results season, is the Asset Quality Review initiated in early 2015-16. It has improved recognition of NPAs and provisioning in banks enormously, and many of you have fully imbibed the spirit of the review. Some banks have taken significant steps in recognizing incipient stress early. Now focus should mov
जून 22, 2016
बैंकिंग प्रणाली में दबाव समाप्त करने का संकल्प - रघुराम जी राजन
Thank you very much for inviting me to give this talk. Ordinarily, in a city like Bengaluru, we would talk about startups. Today, however, I want to talk about the resolution of financial distress. I will argue that the slowdown in credit growth has been largely because of stress in the public sector banking and not because of high interest rates. As such, what is required is a clean-up of the balance sheets of public sector banks, which is what is underway and needs
डॉ. रघुराम जी. राजन, गवर्नर, भारतीय रिज़र्व बैंक
Thank you very much for inviting me to give this talk. Ordinarily, in a city like Bengaluru, we would talk about startups. Today, however, I want to talk about the resolution of financial distress. I will argue that the slowdown in credit growth has been largely because of stress in the public sector banking and not because of high interest rates. As such, what is required is a clean-up of the balance sheets of public sector banks, which is what is underway and needs
अप्रैल 29, 2016
हरित वित्त-सुरुआती पहल-आर गांधी
Friends, 2. Recognition is growing of the pressing challenge of financing sustainable development, and the opportunity it offers for channeling financial capital to productive, profitable and more broadly beneficial uses. The year 2016 is set to be the year of green finance. Across the world, we are seeing a growing number of countries aligning their financial systems with the sustainability imperative. We welcome this new green finance initiative. 3. In this context,
श्री आर. गांधी, उप गवर्नर, भारतीय रिज़र्व बैंक
Friends, 2. Recognition is growing of the pressing challenge of financing sustainable development, and the opportunity it offers for channeling financial capital to productive, profitable and more broadly beneficial uses. The year 2016 is set to be the year of green finance. Across the world, we are seeing a growing number of countries aligning their financial systems with the sustainability imperative. We welcome this new green finance initiative. 3. In this context,
अप्रैल 26, 2016
सरकारी क्षेत्र के बैंकों के बीच एकीकरण-आर गांधी
At present banking system in India is evolving with a mixture of bank types serving different segments of the economy. In the last few years, the system has seen entry of new banks and emergence of new bank types targeted to serve niche segments of the society. However, banking system continues to be dominated by Public Sector Banks (PSBs) which still have more than 70 per cent market share of the banking system assets. At present there are 27 PSBs with varying sizes.
श्री आर. गांधी, उप गवर्नर, भारतीय रिज़र्व बैंक
At present banking system in India is evolving with a mixture of bank types serving different segments of the economy. In the last few years, the system has seen entry of new banks and emergence of new bank types targeted to serve niche segments of the society. However, banking system continues to be dominated by Public Sector Banks (PSBs) which still have more than 70 per cent market share of the banking system assets. At present there are 27 PSBs with varying sizes.
मार्च 12, 2016
वैश्विक अर्थव्यवस्था में भारत- रघुराम जी. राजन
Thank you for inviting me to deliver the first Ramnath Goenka lecture. As you know, Shri Goenka was a freedom fighter, who built the Indian Express into a national newspaper. In his time, it was arguably the best investigative newspaper in the country. He was instrumental in highlighting the excesses of the Emergency, which probably contributed to Indira Gandhi’s defeat when she lifted it. He continued to be a tireless scourge of corruption and government high-handedn
डॉ. रघुराम जी. राजन, गवर्नर, भारतीय रिज़र्व बैंक
Thank you for inviting me to deliver the first Ramnath Goenka lecture. As you know, Shri Goenka was a freedom fighter, who built the Indian Express into a national newspaper. In his time, it was arguably the best investigative newspaper in the country. He was instrumental in highlighting the excesses of the Emergency, which probably contributed to Indira Gandhi’s defeat when she lifted it. He continued to be a tireless scourge of corruption and government high-handedn
फ़र॰ 11, 2016
Asset Resolution & Managing NPAs – What, Why and How?
Shri S. S. Mundra, Deputy Governor, Reserve Bank of India
फ़र॰ 11, 2016
बैंकिंग के वर्तमान मुद्दे-रघुराम जी.राजन
Thank you for inviting me here today. In a country that is growing at above 7 percent, is brimming with entrepreneurial zeal, has a young population which has grown up with mobile technology, one would think that the banking sector would be buoyant. Yet the recent decline in bank share prices has investors on the edge. Of course, part of the reason is that markets are in turmoil. Some of the greater decline of bank share prices can therefore be explained by the fact t
डॉ. रघुराम जी. राजन, गवर्नर, भारतीय रिज़र्व बैंक
Thank you for inviting me here today. In a country that is growing at above 7 percent, is brimming with entrepreneurial zeal, has a young population which has grown up with mobile technology, one would think that the banking sector would be buoyant. Yet the recent decline in bank share prices has investors on the edge. Of course, part of the reason is that markets are in turmoil. Some of the greater decline of bank share prices can therefore be explained by the fact t
फ़र॰ 05, 2016
भारतीय बैंकिंग क्षेत्र: भविष्य में झांकना- एस.एस.मूंदड़ा
Dr. K. C. Chakrabarty, Former Deputy Governor, Reserve Bank of India; Smt. Chanda Kochhar, MD and CEO, ICICI Bank Limited; Shri Aditya Puri, MD, HDFC Bank Limited; Shri B. Sriram, Managing Director, State Bank of India; Shri P.S. Jayakumar, MD and CEO, Bank of Baroda; Shri Uday Kotak, Ex- VC and MD, Kotak Mahindra Bank; other senior colleagues from the banking and financial sector; members of the print and electronic media; ladies and gentlemen! 2. At the outset, I th
श्री एस.एस. मूंदड़ा, उप गवर्नर, भारतीय रिज़र्व बैंक
Dr. K. C. Chakrabarty, Former Deputy Governor, Reserve Bank of India; Smt. Chanda Kochhar, MD and CEO, ICICI Bank Limited; Shri Aditya Puri, MD, HDFC Bank Limited; Shri B. Sriram, Managing Director, State Bank of India; Shri P.S. Jayakumar, MD and CEO, Bank of Baroda; Shri Uday Kotak, Ex- VC and MD, Kotak Mahindra Bank; other senior colleagues from the banking and financial sector; members of the print and electronic media; ladies and gentlemen! 2. At the outset, I th
फ़र॰ 05, 2016
वित्तीय स्थिरता- मुद्दे और सरोकार: क्या हम सही स्थान पर लक्ष्य कर रहे हैं?- आर गांधी
It’s indeed a pleasure to inaugurate this Conference on ‘Financial stability, credit distress and Economic Growth: The way forward’ organized under the aegis of the Union Bank – Great Lakes Center for Excellence in Banking and Finance. I am happy to note that this is a collaborative effort by banking and academic and research institutions. As I will explain, the selected topic of the conference is not just on an apt and very contemporary issue, it also needs theoretic
श्री आर. गांधी, उप गवर्नर, भारतीय रिज़र्व बैंक
It’s indeed a pleasure to inaugurate this Conference on ‘Financial stability, credit distress and Economic Growth: The way forward’ organized under the aegis of the Union Bank – Great Lakes Center for Excellence in Banking and Finance. I am happy to note that this is a collaborative effort by banking and academic and research institutions. As I will explain, the selected topic of the conference is not just on an apt and very contemporary issue, it also needs theoretic
जन॰ 29, 2016
वित्तीय सुधार-कल और आज- रघुराम जी.राजन
I thank Shekhar Shah for inviting me to deliver the C.D. Deshmukh lecture at NCAER. Sir Chintaman Dwarakanath Deshmukh, an ICS officer, was truly a giant of modern India. In 1943, he was the first Indian, as well as the youngest in its history to date, to be appointed the Governor of the Reserve Bank of India. He subsequently served as the Finance Minister in the Union Cabinet. It was during this time that he also became a founding member of the Governing Body of NCAE
डॉ. रघुराम जी. राजन, गवर्नर, भारतीय रिज़र्व बैंक
I thank Shekhar Shah for inviting me to deliver the C.D. Deshmukh lecture at NCAER. Sir Chintaman Dwarakanath Deshmukh, an ICS officer, was truly a giant of modern India. In 1943, he was the first Indian, as well as the youngest in its history to date, to be appointed the Governor of the Reserve Bank of India. He subsequently served as the Finance Minister in the Union Cabinet. It was during this time that he also became a founding member of the Governing Body of NCAE
जन॰ 29, 2016
भारतीय बैकिंग क्षेत्र के लिए अनुसंधान की अनिवार्यता- एस.एस.मुंदड़ा
Introduction Dr. J. Mahender Reddy, Vice Chancellor, ICFAI Foundation for Higher Education (IFHE) University; Shri S.V. Seshaiah, Director, IBS, Hyderabad; members of faculty from Gokhale Institute of Politics and Economics, Pune and IBS, Hyderabad; Delegates of the Research Conference; ladies and gentlemen ! I am grateful to Gokhale Institute of Politics and Economics, Pune and IBS, Hyderabad for inviting me to deliver the inaugural address at the 1st Banking Researc
श्री एस.एस. मूंदड़ा, उप गवर्नर, भारतीय रिज़र्व बैंक
Introduction Dr. J. Mahender Reddy, Vice Chancellor, ICFAI Foundation for Higher Education (IFHE) University; Shri S.V. Seshaiah, Director, IBS, Hyderabad; members of faculty from Gokhale Institute of Politics and Economics, Pune and IBS, Hyderabad; Delegates of the Research Conference; ladies and gentlemen ! I am grateful to Gokhale Institute of Politics and Economics, Pune and IBS, Hyderabad for inviting me to deliver the inaugural address at the 1st Banking Researc
जन॰ 01, 2016
Basel III Liquidity Risk Framework – Implementation and Way Forward
Good morning. It is my pleasure to be with you in Hyderabad in this conference on the Basel III Liquidity Risk Framework in India. As the chair of a group discussion on Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) at the Fixed Income Money Market and Derivatives Association of India (FIMMDA) Annual Conference in Prague a couple of months ago, I had hinted that the Reserve Bank would initiate a process of discussions with bankers on the whole gamu
Shri N.S. Vishwanathan, Executive Director, Reserve Bank of India
Good morning. It is my pleasure to be with you in Hyderabad in this conference on the Basel III Liquidity Risk Framework in India. As the chair of a group discussion on Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) at the Fixed Income Money Market and Derivatives Association of India (FIMMDA) Annual Conference in Prague a couple of months ago, I had hinted that the Reserve Bank would initiate a process of discussions with bankers on the whole gamu
अक्तू॰ 06, 2015
भारतीय बैंकिंग क्षेत्र-एक विनियामकीय परिदृश्य- एस.एस.मूंदड़ा

H.E. Shri Vijay Thakur Singh, Indian High Commissioner to Singapore; Smt. Arundhati Bhattacharya, Chairman, State Bank of India; Shri Piyush Gupta, Chief Executive Officer, DBS Group; Shri Ajay Kanwal, Regional CEO, ASEAN and South Asia, Standard Chartered; Shri Gunit Chadha, Member of Deutsche Bank Group Executive Committee, Co-CEO Asia Pacific, Deutsche Bank AG; Shri Rajiv Verma, CEO, HT Media Ltd; delegates at the Conference; ladies and gentlemen! 2. At the outset,

श्री एस.एस. मूंदड़ा, उप गवर्नर, भारतीय रिज़र्व बैंक

H.E. Shri Vijay Thakur Singh, Indian High Commissioner to Singapore; Smt. Arundhati Bhattacharya, Chairman, State Bank of India; Shri Piyush Gupta, Chief Executive Officer, DBS Group; Shri Ajay Kanwal, Regional CEO, ASEAN and South Asia, Standard Chartered; Shri Gunit Chadha, Member of Deutsche Bank Group Executive Committee, Co-CEO Asia Pacific, Deutsche Bank AG; Shri Rajiv Verma, CEO, HT Media Ltd; delegates at the Conference; ladies and gentlemen! 2. At the outset,

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
सित॰ 15, 2015
भारत में आस्ति पुनर्निर्माण और एनपीए प्रबंधन- आर गांधी
Ladies and Gentlemen, Very Good Morning. 2. It is indeed a pleasure to be present here and interact with you on the important issue of management of non-performing assets in India. Such events are quite important especially when there is a surge in stressed assets in banking in the recent times. Current Position 3. However, if we look a little far back, the asset quality of the Indian banking system was not like this; it had actually been improving significantly since
श्री आर. गांधी, उप गवर्नर, भारतीय रिज़र्व बैंक
Ladies and Gentlemen, Very Good Morning. 2. It is indeed a pleasure to be present here and interact with you on the important issue of management of non-performing assets in India. Such events are quite important especially when there is a surge in stressed assets in banking in the recent times. Current Position 3. However, if we look a little far back, the asset quality of the Indian banking system was not like this; it had actually been improving significantly since
सित॰ 04, 2015
Basel III Implementation- Challenges for Indian banking system
I am indeed privileged to be sharing the dais with stalwarts and thank ASSOCHAM for giving me this opportunity to speak on challenges in implementing Basel III in India. 2. Basel III framework was basically the response of the global banking regulators to deal with the factors, more specifically those relating to the banking system that led to the global economic crisis or the great recession. In the advanced economies, there was a huge fiscal cost for protecting the
Shri N.S. Vishwanathan, Executive Director, Reserve Bank of India
I am indeed privileged to be sharing the dais with stalwarts and thank ASSOCHAM for giving me this opportunity to speak on challenges in implementing Basel III in India. 2. Basel III framework was basically the response of the global banking regulators to deal with the factors, more specifically those relating to the banking system that led to the global economic crisis or the great recession. In the advanced economies, there was a huge fiscal cost for protecting the
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
अग॰ 24, 2015
भारतीय अर्थव्यवस्था - सुदृढ़, कायम रखने योग्य विकास – रघुराम जी.राजन
We live in an increasingly uncertain world. Seven years after the financial crisis, advanced economies are still growing slowly, while a number of emerging economies are experiencing difficulty as the old export-led growth model flounders. In this environment, there is both challenge and opportunity. Challenge because the world will not provide the strong and supportive growth environment we had in the last decade, opportunity because global capital is looking for inv
डॉ. रघुराम जी. राजन, गवर्नर, भारतीय रिज़र्व बैंक
We live in an increasingly uncertain world. Seven years after the financial crisis, advanced economies are still growing slowly, while a number of emerging economies are experiencing difficulty as the old export-led growth model flounders. In this environment, there is both challenge and opportunity. Challenge because the world will not provide the strong and supportive growth environment we had in the last decade, opportunity because global capital is looking for inv
अग॰ 12, 2015
आधारभूत संरचना के लिए वित्तीयन : वर्तमान मुद्दे एवं उभरती चुनौतियां – हारून आर. खान
Smt. Arundhati Bhattacharya, Chairman, State Bank of India Group, Shri V G Kannan, Managing Director, State Bank of India, Shri Praveen Gupta, MD & CEO SBICAP, Shri Abhay Chaudhari, President & COO, SBICAP, Shri Supratim Sarkar, Executive Vice President, SBICAP, esteemed guest speakers, colleagues and friends from SBI & SBICAP and participants. It gives me immense pleasure to deliver the keynote address in this wonderful setting where the annual conclave o
श्री हरुण आर खान, उप गवर्नर, भारतीय रिज़र्व बैंक
Smt. Arundhati Bhattacharya, Chairman, State Bank of India Group, Shri V G Kannan, Managing Director, State Bank of India, Shri Praveen Gupta, MD & CEO SBICAP, Shri Abhay Chaudhari, President & COO, SBICAP, Shri Supratim Sarkar, Executive Vice President, SBICAP, esteemed guest speakers, colleagues and friends from SBI & SBICAP and participants. It gives me immense pleasure to deliver the keynote address in this wonderful setting where the annual conclave o
अग॰ 10, 2015
सुदृढ़ वित्तीय सेवा क्षेत्र: विकास कायम रखने की अनिवार्यताएं : एस.एस. मूंदड़ा
Good Morning to you all! I am pleased to be here this morning to speak to the delegates of this International Conference and I thank ICAI for providing me this opportunity. As you all know, the theme of this morning’s session is “Financial Services Sector- Agenda for Sustainable Growth” and as somebody who has spent his entire professional life in the banking sector - first as a commercial banker and now as a Central banker, I would speak with a particular emphasis on
श्री एस.एस. मूंदड़ा, उप गवर्नर, भारतीय रिज़र्व बैंक
Good Morning to you all! I am pleased to be here this morning to speak to the delegates of this International Conference and I thank ICAI for providing me this opportunity. As you all know, the theme of this morning’s session is “Financial Services Sector- Agenda for Sustainable Growth” and as somebody who has spent his entire professional life in the banking sector - first as a commercial banker and now as a Central banker, I would speak with a particular emphasis on
जुल॰ 23, 2015
नये अंतरराष्ट्रीय़ पर्यवेक्षी ढ़ांचे के अप्रत्याशित परिणाम: उभरते बाज़ार का परिप्रेक्ष्य - एस.एस.मूंदडा
Bonjour! Thank you Ms. Anne Le Lorier for your thoughts. It is my pleasure to deliver the key note address at this RBI-BdF joint Conference being hosted by Banque de France. Let me begin by thanking you and the BdF for your warmth, friendliness and cordiality. Banque de France is one of the oldest central banks in the world, set up in January 1800 by Napoléon Bonaparte with the objective of fostering renewed economic growth in the wake of the deep recession of the Rev
श्री एस.एस. मूंदड़ा, उप गवर्नर, भारतीय रिज़र्व बैंक
Bonjour! Thank you Ms. Anne Le Lorier for your thoughts. It is my pleasure to deliver the key note address at this RBI-BdF joint Conference being hosted by Banque de France. Let me begin by thanking you and the BdF for your warmth, friendliness and cordiality. Banque de France is one of the oldest central banks in the world, set up in January 1800 by Napoléon Bonaparte with the objective of fostering renewed economic growth in the wake of the deep recession of the Rev
जुल॰ 15, 2015
भारत में प्रतिभूतिकरण: धीमा या तीव्र ? – आर.गांधी
Financial sector’s primary role is intermediation between ultimate savers and ultimate investors. Initially, it was banks which were the intermediaries. As the financial sector evolved, other types of financial institutions came on the scene to undertake such intermediation directly, or between and among other intermediaries. A parallel development is the emergence of varieties of financial products, far removed from simple deposits and advances, delivering such inter
श्री आर. गांधी, उप गवर्नर, भारतीय रिज़र्व बैंक
Financial sector’s primary role is intermediation between ultimate savers and ultimate investors. Initially, it was banks which were the intermediaries. As the financial sector evolved, other types of financial institutions came on the scene to undertake such intermediation directly, or between and among other intermediaries. A parallel development is the emergence of varieties of financial products, far removed from simple deposits and advances, delivering such inter
जून 26, 2015
वित्तीय धोखाधडी- रोकथाम : किसी को जानने का सवाल - आर. गांधी
Ladies and Gentlemen, it’s a great pleasure for me to be amidst all of you this morning to inaugurate the conference on Financial Frauds – Risks and prevention. Introduction 2. “There are three things in the world that deserve no mercy - hypocrisy, fraud, and tyranny” - Frederick William Robertson There is no universally accepted definition for the term ‘fraud’. The laws in many countries do not define fraud; it actually needs no definition; it is as old as falsehood
श्री आर. गांधी, उप गवर्नर, भारतीय रिज़र्व बैंक
Ladies and Gentlemen, it’s a great pleasure for me to be amidst all of you this morning to inaugurate the conference on Financial Frauds – Risks and prevention. Introduction 2. “There are three things in the world that deserve no mercy - hypocrisy, fraud, and tyranny” - Frederick William Robertson There is no universally accepted definition for the term ‘fraud’. The laws in many countries do not define fraud; it actually needs no definition; it is as old as falsehood
जून 22, 2015
बैंकों में क्षमता निर्माण – आर. गांधी
I appreciate CAFRAL for taking the initiative of holding this roundtable on capacity building in banks. As I am given to understand, the objective of this roundtable is to discuss the key aspects of the recommendations of the Committee on Capacity Building in Banks and Non-Bank Institutions (Chairman: Shri G. Goplalakrishna) and to formulate strategy to streamline and implement the recommendations. I also understand that the issues and challenges in implementing these
श्री आर. गांधी, उप गवर्नर, भारतीय रिज़र्व बैंक
I appreciate CAFRAL for taking the initiative of holding this roundtable on capacity building in banks. As I am given to understand, the objective of this roundtable is to discuss the key aspects of the recommendations of the Committee on Capacity Building in Banks and Non-Bank Institutions (Chairman: Shri G. Goplalakrishna) and to formulate strategy to streamline and implement the recommendations. I also understand that the issues and challenges in implementing these
मई 05, 2015
भारतीय बैंकिंग क्षेत्र : उभरती चुनौतियाँ तथा आगे की रणनीति
स्टेट बैंक ऑफ मैसूर के प्रबंध निदेशक श्री शरद शर्मा; भारतीय रिज़र्व बैंक, कर्नाटक के क्षेत्रीय निदेशक श्री कार्थक; सीनियर बैंकर्स; देवियों और सज्जनों! मैसूर के पूर्व महाराजा महामहिम श्री नलवाड़ी कृष्णराजा वडियार के सम्मान में आयोजित इस स्मृति व्याख्यान में शुरुआती भाषण देना मेरे लिए अत्‍यंत गौरव की बात है। स्टेट बैंक ऑफ मैसूर द्वारा श्री कृष्ण राजा वडियार के सम्मान में इस स्मृति व्याख्यान का आरंभ एकदम प्रासंगिक है। मैसूर रियासत के इस संत महाराजा ने अपने जीवनकाल में किसी
श्री एस.एस. मूंदड़ा, उप गवर्नर, भारतीय रिज़र्व बैंक
स्टेट बैंक ऑफ मैसूर के प्रबंध निदेशक श्री शरद शर्मा; भारतीय रिज़र्व बैंक, कर्नाटक के क्षेत्रीय निदेशक श्री कार्थक; सीनियर बैंकर्स; देवियों और सज्जनों! मैसूर के पूर्व महाराजा महामहिम श्री नलवाड़ी कृष्णराजा वडियार के सम्मान में आयोजित इस स्मृति व्याख्यान में शुरुआती भाषण देना मेरे लिए अत्‍यंत गौरव की बात है। स्टेट बैंक ऑफ मैसूर द्वारा श्री कृष्ण राजा वडियार के सम्मान में इस स्मृति व्याख्यान का आरंभ एकदम प्रासंगिक है। मैसूर रियासत के इस संत महाराजा ने अपने जीवनकाल में किसी
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
मार्च 23, 2015
बैंकर–उधारकर्ता परस्‍पर प्रभाव : सहक्रियाएं तथा चुनौतियाँ
बीसीएसबीआई के अध्यक्ष श्री ए सी महाजन; एसोचैम नैशनल काउंसिल फॉर बैंकिंग एंड फाइनेंस के अध्यक्ष श्री एम नरेंद्र; एपीएएस एलएलपी के प्रबंध निदेशक श्री अश्विन पारेख; मंच पर उपस्थित अन्य पदाधिकारीगण; बैंकिंग जगत के साथियों; एसोचैम के सदस्यगण; प्रिंट तथा इलेक्ट्रोनिक मीडिया के प्रतिनिधिगण; देवियो और सज्जनो ! सर्वप्रथम मैं इस मुद्दे पर चर्चा आयोजित करने के लिए एसोचैम को बधाई देता हूँ, जो बैंकिंग उद्योग के लिए बहुत ही प्रासंगिक और समसामयिक है। बढ़ते हुए एनपीए के मद्देनजर बैंको
श्री एस.एस. मूंदड़ा, उप गवर्नर, भारतीय रिज़र्व बैंक
बीसीएसबीआई के अध्यक्ष श्री ए सी महाजन; एसोचैम नैशनल काउंसिल फॉर बैंकिंग एंड फाइनेंस के अध्यक्ष श्री एम नरेंद्र; एपीएएस एलएलपी के प्रबंध निदेशक श्री अश्विन पारेख; मंच पर उपस्थित अन्य पदाधिकारीगण; बैंकिंग जगत के साथियों; एसोचैम के सदस्यगण; प्रिंट तथा इलेक्ट्रोनिक मीडिया के प्रतिनिधिगण; देवियो और सज्जनो ! सर्वप्रथम मैं इस मुद्दे पर चर्चा आयोजित करने के लिए एसोचैम को बधाई देता हूँ, जो बैंकिंग उद्योग के लिए बहुत ही प्रासंगिक और समसामयिक है। बढ़ते हुए एनपीए के मद्देनजर बैंको
मार्च 03, 2015
साख सूचना साझा करने के लिए नई नीतिगत पहल - आर गांधी

श्री एम.वी.नायर, अध्यक्ष, सिबिल; सुश्री अरुंधती भट्टाचार्य, अध्यक्ष, एसबीआई; श्री टी.एम.भसीन, अध्यक्ष, आईबीए; श्री अरुण ठुकराल प्रबंध निदेशक, सिबिल; सम्मेलन के प्रतिनिधियों; देवियों और सज्जनों! मुझे आज सातवें वार्षिक सिबिल ट्रांस यूनियन साख सूचना सम्मेलन में मुख्य भाषण करते हुए प्रसन्नता हो रही है।

पृष्ठभूमि

2. रिज़र्व बैंक द्वारा भारत में साख सूचना ब्यूरो स्थापित करने की संभावनाओं का पता लगाने के लिए वर्ष 1999 में गठित कार्यदल (अध्यक्ष: एन.एच.सिद्दीकी), जिसका एक सदस्य होने का सौभाग्य मुझे भी था, की सिफारिशों के परिणामस्वरूप साख सूचना कंपनियों (सीआईसी) की स्थापना की गई थी। सिबिल ऐसी पहली कंपनी थी। साख सूचना कंपनी (विनियमन) अधिनियम (सीआईसीआरए) 2005 से लागू किया गया।

श्री आर. गांधी, उप गवर्नर, भारतीय रिज़र्व बैंक

श्री एम.वी.नायर, अध्यक्ष, सिबिल; सुश्री अरुंधती भट्टाचार्य, अध्यक्ष, एसबीआई; श्री टी.एम.भसीन, अध्यक्ष, आईबीए; श्री अरुण ठुकराल प्रबंध निदेशक, सिबिल; सम्मेलन के प्रतिनिधियों; देवियों और सज्जनों! मुझे आज सातवें वार्षिक सिबिल ट्रांस यूनियन साख सूचना सम्मेलन में मुख्य भाषण करते हुए प्रसन्नता हो रही है।

पृष्ठभूमि

2. रिज़र्व बैंक द्वारा भारत में साख सूचना ब्यूरो स्थापित करने की संभावनाओं का पता लगाने के लिए वर्ष 1999 में गठित कार्यदल (अध्यक्ष: एन.एच.सिद्दीकी), जिसका एक सदस्य होने का सौभाग्य मुझे भी था, की सिफारिशों के परिणामस्वरूप साख सूचना कंपनियों (सीआईसी) की स्थापना की गई थी। सिबिल ऐसी पहली कंपनी थी। साख सूचना कंपनी (विनियमन) अधिनियम (सीआईसीआरए) 2005 से लागू किया गया।

फ़र॰ 24, 2015
Emerging Trends in the Global Financial Landscape: India’s Challenges and Opportunities
Good morning Symbiosis. Dr. Rajani Gupte, Vice Chancellor, Symbiosis International University, Dr. Bhama Venkataramani, Director, Symbiosis Centre for Management Studies, Mr. Y.M Deosthalee, Chairman & MD, L&T Finance Holdings Ltd., Mr. Alexander K. Sattler, Financial Counsellor & Representative of the Deutsche Bundesbank, members of faculty, students, distinguished invitees and friends from media. It is a pleasure to be in your midst and inaugurate the Th
Shri Harun R Khan, Deputy Governor, Reserve Bank of India
Good morning Symbiosis. Dr. Rajani Gupte, Vice Chancellor, Symbiosis International University, Dr. Bhama Venkataramani, Director, Symbiosis Centre for Management Studies, Mr. Y.M Deosthalee, Chairman & MD, L&T Finance Holdings Ltd., Mr. Alexander K. Sattler, Financial Counsellor & Representative of the Deutsche Bundesbank, members of faculty, students, distinguished invitees and friends from media. It is a pleasure to be in your midst and inaugurate the Th
फ़र॰ 02, 2015
समस्याग्रस्त ऋण का प्रबंधन तथा एमएसएमई का वित्तपोषण -आर गांधी
मुझे खुशी है कि जिस विषय पर मैं आपसे बात करने जा रहा हूँ वह समकालीन है और अर्थव्यवस्था के लिए बहुत ही महत्वपूर्ण है। भारत सरकार और भारतीय रिज़र्व बैंक दोनों ने ही आर्थिक विकास के लिए एसएमई क्षेत्र के योगदान, उसकी क्षमता तथा इस विशाल देश की जनता के लिए रोजगार तथा आय के स्रोत के रूप में एसएमई क्षेत्र के महत्व को स्वीकार किया है।भारत सरकार द्वारा हाल ही में की गई “मेक इन इंडिया” की घोषणा मूलरूप से इसी विश्वास पर आधारित है। अतः एसएमई के वित्तपोषण के संबंध में तौर-तरीके, प
श्री आर. गांधी, उप गवर्नर, भारतीय रिज़र्व बैंक
मुझे खुशी है कि जिस विषय पर मैं आपसे बात करने जा रहा हूँ वह समकालीन है और अर्थव्यवस्था के लिए बहुत ही महत्वपूर्ण है। भारत सरकार और भारतीय रिज़र्व बैंक दोनों ने ही आर्थिक विकास के लिए एसएमई क्षेत्र के योगदान, उसकी क्षमता तथा इस विशाल देश की जनता के लिए रोजगार तथा आय के स्रोत के रूप में एसएमई क्षेत्र के महत्व को स्वीकार किया है।भारत सरकार द्वारा हाल ही में की गई “मेक इन इंडिया” की घोषणा मूलरूप से इसी विश्वास पर आधारित है। अतः एसएमई के वित्तपोषण के संबंध में तौर-तरीके, प
जन॰ 19, 2015
Changing Contours of Debt Management
Mr Sharan, Mr Sridharan, office bearers of Primary Dealers Association of India (PDAI) and other colleagues from banking fraternity. India, like other Emerging Market Economies (EMEs), has been impacted by the global financial crisis, European sovereign debt crisis and related developments. We were certainly bruised, but not battered. This led to increased volatility and uncertainty in the financial markets. Like other economies, we had also embarked on a program of f
Shri G Padmanabhan, Executive Director, Reserve Bank of India
Mr Sharan, Mr Sridharan, office bearers of Primary Dealers Association of India (PDAI) and other colleagues from banking fraternity. India, like other Emerging Market Economies (EMEs), has been impacted by the global financial crisis, European sovereign debt crisis and related developments. We were certainly bruised, but not battered. This led to increased volatility and uncertainty in the financial markets. Like other economies, we had also embarked on a program of f

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