Finance Articles

Finance articles section focuses on various concepts of finance like budget, stock market and economics of various products & services. Apart from these articles on global financial institutions, different banking systems and topics of international importance in the field of finance are present.

India's NPA Challenge & Recapitalisation February 17, 2018

NPAs or the Non Performing Assets are the loans given out by banks which have turned bad, that is, the borrowers have stopped repaying, either the interest rate or the principal amount & chances for whose recovery are quite low. India’s NPAs have skyrocketed from 53,476 Crores in 2008 to over 9 Lakh Crores by 2017, a colossal 9.3% of the total advances given out by the banks.


Bitcoin- Challenging the Financial System January 06, 2018

Bitcoin is the most speculative and most riskier investment. Nobody knows where it comes from, who created it and definitely where it is going? But still people are drawn towards it from every corner of the world. Bitcoins have exposed the system in new ways. According to, ransomware attacks have increased 167 times the previous year. Computer attacks were prevalent during the older times also when internet first came into picture, with government finally adjusting themselves to the cut-throat technology and even end up making laws to provide cyber security.


Bitcoin Boom: The Next Bubble? December 15, 2017

First it was the tulips, then the dotcom, followed by the housing market. Now, the recent meteoric rise in Bitcoin prices have prompted wall street experts to think: Is Bitcoin boom the next bubble?

A brief background

Bitcoin is a cryptocurrency which came into being in 2009. Created by the yet unidentified Satoshi Nakomoto, it is based on the ideas put forth in a white paper created by him. The interesting fact is that Bitcoins have no physical existence. They merely exist as balances in a public ledger strewn worldwide over a cloud based system. It is open-source and not owned by any central authority.


The Open Banking Revolution - API Driven Approach November 26, 2017

Technology has already redefined how we bank – from mobile apps to AI that analyzes our voices to help us access our bank accounts, from Core Banking systems to Robotic Banking Assistants. We now stand at the threshold of a future where banking will transmigrate from an individualistic phenomenon to one where the entire ecosystem gets integrated to provide more efficient services to society. Open Banking is essentially a financial revolution that will be driven by customers’ demand for more seamless services, more robust regulatory mandates, the increasing encroachment into the financial sphere by “Fintech” start-ups, and the power of Big Data Analytics.


Consolidation in Indian Banking Sector September 03, 2017

The establishment of the Bank of Bengal in Calcutta in 1786 marked the inception of the commercial banking institutions in India. Over the period of time, numerous reforms were introduced in the banking sector towards building a robust financial system in the nation. The economic reforms of early 1990s helped in the diversification of the economy and strengthening of the operational banking infrastructure. It also enabled competitive financial scenario with the entry of new private sector banks such as HDFC Bank, ICICI Bank, UTI Bank and IDBI Bank. Since then, the banking sector in India has witnessed tremendous growth over the years.


Tale of Farm Loan Waiver Scheme in India August 01, 2017

Agriculture Sector is considered as primary sector of the Indian Economy as a large portion of the population is dependent on agriculture and allied activities for their survival. According to survey conducted by NSSO and other organizations, almost 50% of the population is employed in agriculture and this sector contributes 17 % to the GDP of the Indian Economy. Taking into account all the factors affecting agriculture, it is learnt that in our country, the farmers have to toil more and in spite of this, they do not yield good returns for their produce due to which their condition remains vulnerable. On news channels and print media, every year we find thousands of farmers committing suicide which gives an insight into the pitiful state of our farmers.


Indian Commercial Banks & their Current Scenario April 22, 2017

In the financial stability report released by RBI as at end of June 2016, it is expected that gross bad loans at commercial banks in India could increase to 8.5% by March 2017, from 7.6% as compared to March 2016. “The macro stress test suggests that under the baseline scenario, the gross NPA may rise to 8.5% by March 2017,” the RBI noted in the report. “If the macro situation deteriorates in the future, the gross NPA ratio may increase further to 9.3% by March 2017.”