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.

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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