Tag: Credit
Credit Guarantee Scheme For Startups (2025): Strengthening India’s Startup Financing Ecosystem
Policy UpdateMannat AbbotBackgroundStartups in India face a range of finance related challenges which have an effect on their growth and sustainability. Financial constraints are...
Digital Volatility Vs. Credit Growth: Analyzing RBI’s Calibrated LCR Framework For...
Policy UpdateRashi KothariBackground & Structural ContextThe rapid digitization of retail payments in India—driven by UPI, 24/7 NEFT, RTGS, and mobile banking—has fundamentally reshaped consumer...
PM VISHWAKARMA SCHEME AND CREDIT INFLOWS FOR MICRO-ENTERPRISES (2023) – IMPRI...
Policy UpdateVibha SethiBackground and EvolutionThe structural architecture of India’s informal economy has historically been sustained by traditional artisans and craftspeople who provide foundational services...
National Credit Framework (NCrF) 2023: Implementation And Way Forward
Policy UpdateShivali Yadav1. BackgroundThe National Education Policy (NEP) 2020 called for removing the ‘hard separation’ between school, higher and vocational education. It proposed an...
West Bengal Bhabishyat Credit Card Scheme (2023) : Assessing The State’s...
Policy UpdateShruti SethiBackground Youth unemployment and underemployment remain persistent concerns in India’s labour market despite recent improvements. The Periodic Labour Force Survey (PLFS) Annual Report...
Building India’s Credit Backbone: The National Financial Information Registry (2023)
Policy UpdateSruti HalderBackgroundThe National Financial Information Registry (NFIR) was announced by Finance Minister Nirmala Sitharaman in her Union Budget 2023-24 speech as a proposed...
Emergency Credit Line Guarantee Scheme (ECLGS) 5.0: Strengthening MSME Resilience Amid...
Policy UpdateAditya ChavanBackgroundMicro, Small and Medium Enterprises (MSMEs) occupy a central place in India’s economy, contributing substantially to GDP, exports, employment generation, and balanced...
Carbon Credit Trading Scheme (CCTS) 2023: Assessing India’s First Mandatory Carbon...
Policy UpdateSandra MenonIntroductionIndia has spent decades regulating how much energy its industries use, but until now it never had a legal mechanism to price...
West Bengal Student Credit Card Scheme (2021): An Evaluation Of Its...
Policy UpdateShruti SethiBackground Access to higher education in India has long been constrained less by aspiration than by affordability. West Bengal, despite a relatively strong...
Unified Lending Interface: RBI’s Digital Push For Faster Credit Access (2025)...
Policy UpdateSruti HalderBackgroundIndia’s credit market has long suffered from a mismatch between the volume of formal financial data generated by citizens and enterprises and...
