Restructuring of banks and financial deepening: tracing the Indian discourse
by Tara Nair
International Journal of Business and Globalisation (IJBG), Vol. 37, No. 2, 2024

Abstract: The purpose of this paper is to critically review the discourse around differentiated banks, especially small finance banks, as gleaned from policy pronouncements, discussion papers, and reports of various committees instituted by the Reserve Bank of India and the central government. It is argued that there has been a definite shift in the imagination of financial inclusion as a process of market expansion aided by layered, private-sector led, risk-hungry, and highly competitive banking institutions. The paper analyses the various initiatives introduced since the mid-2000s to enlarge and diversify the banking infrastructure and discusses the plausible implications of these initiatives for making the financial sector more broad-based and inclusive.

Online publication date: Wed, 22-May-2024

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