K. Srinivasa Rao

K. Srinivasa Rao

Kembai Srinivasa Rao is a former banker who teaches and usually writes on Macroeconomy, Monetary policy developments, Risk Management, Corporate Governance, and the BFSI sector.

RBI Loosens the Leash, Banks Must Tighten Risk

India’s new credit freedoms mark a turning point for banks, but the real reform lies in how they recalibrate risk, governance, and talent.

K. Srinivasa Rao

October 8, 2025 at 10:41 AM IST

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Monetary Policy Should Look Beyond Repo Rate Cut 

RBI’s 100 bps repo cut has lowered EMIs for existing borrowers, but new loans remain costlier. Liquidity gaps, sticky deposits, and high bond yields stall full transmission.

K. Srinivasa Rao

September 26, 2025 at 11:12 AM IST

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Next Gen Bank Reforms Should be Asset Growth-Centric

India is the fourth largest economy, yet only two banks rank among the global top 100. Next-gen reforms must drive PSBs towards asset-led scale.

K. Srinivasa Rao

September 17, 2025 at 6:46 AM IST

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India’s Banks Need a New Business Model Before Liquidity Risks Bite Harder

Deposit growth is slowing, liquidity risks are rising, and RBI rules are shifting. India’s banks must rewire their business models before the next shock.

K. Srinivasa Rao

August 14, 2025 at 7:30 AM IST

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RBI Unlikely to Cut Repo Rate as Focus Turns to Credit Transmission

Monetary Policy

With inflation cooling and liquidity ample, RBI is set to hold rates and wait for credit transmission before fresh policy moves.

K. Srinivasa Rao

August 4, 2025 at 3:44 AM IST

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Work-Life Balance Is Not a Luxury, It’s a Business Imperative

If India Inc. wants productivity gains without losing talent to burnout, it must confront the toxic edge of workplace culture

K. Srinivasa Rao

July 22, 2025 at 10:25 AM IST

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How To Avoid Credit Bubble 

Banks face rising pressure to balance credit expansion with market risks amid slowing deposit growth. Innovative deposit strategies and digital solutions are key to ensuring sustainable financial stability.

K. Srinivasa Rao

July 12, 2025 at 2:43 AM IST

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Navigating The Age Of AI Virtual Assistants

As virtual assistants and quantum computing reshape industries, India must urgently pivot education and employment to coexist with emerging machine intelligence. 

K. Srinivasa Rao

July 2, 2025 at 1:37 PM IST

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Banks Are Stronger, But Operational Risks Are Mounting

India’s banks are well-capitalised and profitable, but rising third-party and tech-related risks threaten to undo hard-won stability.

K. Srinivasa Rao

June 25, 2025 at 5:39 AM IST

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