Inclusive banking in India : re-imagining the bank business model / Lalitagauri Kulkarni, Vasant Chintaman Joshi.
Kulkarni, Lalitagauri.; Joshi, Vasant C., 1932-
2021
HG178.33.I4
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Title Inclusive banking in India : re-imagining the bank business model / Lalitagauri Kulkarni, Vasant Chintaman Joshi.
Author Kulkarni, Lalitagauri.
ISBN 9789813367975 (electronic bk.)
9813367970 (electronic bk.)
9789813367968
DOI https://doi.org/10.1007/978-981-33-6797-5
Imprint Singapore : Palgrave Macmillan, 2021.
Language English
Description 1 online resource (205 pages)
Other Standard Identifiers 10.1007/978-981-33-6797-5 doi
Call Number HG178.33.I4
Dewey Decimal Classification 332.0954
Summary This book addresses the gaps in the present institutional structure of inclusive finance framework in India. It provides a comprehensive review of the role of banks in financial inclusion policy and micro-finance landscape in India at present. It identifies the key issues within the banking system which prove to be obstacles in the way of achieving financial inclusion and sustainable growth. The book conceptualizes inclusive banking, delves into the theoretical foundations thereof and suggests an institutional framework to avoid overlapping of their functions in order to ensure profitability. It reviews the existing market structure and competition in the inclusive finance arena while considering the role of banks, micro-finance institutions and SHGs in financing the poor. The book proposes a distinct change to the existing business model, examines the bank business model for inclusion and how the banks can and should treat the micro lending clientele as their core client base to counter the issues of profitability and competition in todays banking sector. It also discusses some of the latest initiatives in inclusive finance and the importance of entrepreneurship development experiments in India and their efficacy in comparison with the micro-lending model. Lalitagauri Kulkarni is a faculty member at the Department of Economics at Gokhale Institute of Politics and Economics, India. Her research in Inclusive Banking and Development, Financial Economics, Macro-financial Policy, and Insurance Economics has been published in various reputed national and international journals. She has experience of working on applied research under various funded research projects. Vasant C. Joshi is Founder Director of the VCJ Institute of Research and Development, India. He has vast experience in the banking field as General Manager (Retd.), Bank of India, and Director (Retd.), National Insurance Academy. He has authored a number books on banking and finance including Managing Indian Banks: Challenges Ahead, Digital Finance Bits and Bytes and a comprehensive report on Management Practices of MFIs for the Indian Council of World Affairs.
Note Includes index.
Access Note Access limited to authorized users.
Source of Description Description based on print version record.
Added Author Joshi, Vasant C., 1932-
Available in Other Form Inclusive Banking in India.
Inclusive banking in India
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Chapter 1: Inclusive Banking: Concept, Evolution, and Current Policy
Chapter 2: Inclusive Finance and Economic Growth: The Theoretical Underpinnings
Chapter 3: Inclusive Finance and Commercial Banks
Chapter 4: The Non-Bank Sources of Micro lending In India
Chapter 5: Inclusive Banking a Political Economy Approach
Chapter 6: Role of Government
Chapter 7: New Developments in Inclusive Finance
Chapter 8: The Way Forward.

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