Rahul Ghosh

Rahul Ghosh

Rahul Ghosh is a banking and risk expert who advises banks, corporates, and central banks, and builds tech solutions for risk management. He authored two books on risk.

NBFC Stability is About Models and Culture, Not Just Money

India’s NBFC strains are less about funding lines and more about flawed business models and weak risk culture. Fix those, and liquidity will follow.

Rahul Ghosh

December 26, 2025 at 3:18 AM IST

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Swiss AT1 Ruling Reverberates in India

Briefing

Should AT1 be treated at par with equity, as was the case at Banco Popular and Sberbank? Or should it be treated below equity?

Rahul Ghosh

November 15, 2025 at 4:19 AM IST

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The New Face of Bank Leadership

Banking isn't just business—it’s algorithms, accountability, and balance sheet acrobatics. So who belongs at the top?

Rahul Ghosh

November 10, 2025 at 10:36 AM IST

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When Collateral Isn’t Enough: Why ECL Could Redefine Indian Banking

The Expected Credit Loss regime may finally end India’s collateral-first mindset, forcing banks to forecast risk instead of discovering it too late.

Rahul Ghosh

October 23, 2025 at 7:03 AM IST

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Inside RBI’s Basel III Credit Risk Overhaul

RBI’s alignment to Basel-III capital requirement norms will free up more money to be lent to MSMSEs and NBFCs.

Rahul Ghosh

October 13, 2025 at 8:37 AM IST

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Why Indian Banks Need Risk-Based Capital Charge Mechanism

The three largest banks worldwide, excluding China, consume significantly lower levels of capital than India’s three largest banks.*

Rahul Ghosh

September 18, 2025 at 6:12 AM IST

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Why Indian Banks Are Piling Capital Faster Than Assets Can Keep Up

Indian banks are stockpiling capital at a breakneck pace. Strong profits help, but can this momentum sustain if India aims to double its credit-to-GDP?*

Rahul Ghosh

September 5, 2025 at 9:07 AM IST

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Indian Banks’ Capital Comfort to Face Twin Challenges 

Can Indian banks sustain their capital strength once Basel’s Pillar-II and IND-AS 109 start demanding more?*

Rahul Ghosh

August 29, 2025 at 2:53 PM IST

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Goldman Sachs and the Fed’s Softer Stress Tests: A Capital Gamechanger

Central Banking

The Fed’s relaxed stress test scenarios cut projected losses sharply, boosting capital at the US banks. India’s system can draw key lessons.

Rahul Ghosh

August 14, 2025 at 11:29 AM IST

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