Selected Tag: BL Chandak
Selected Tag: BL Chandak
BL Chandak

BL Chandak

BL Chandak, former DGM at SIDBI, has worked for over three decades in research, project appraisal, credit sanctioning, policy liaison, and branch management. 

The Missing Variables Distorting India’s Economic Policy Diagnosis

India’s financial data are extensive, but policy can still miss the economy beneath the aggregates when trade credit, payment behaviour and import distortions remain invisible.

BL Chandak

September 2, 2026 at 3:50 AM IST

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Why Economic Theory Keeps Missing What Businesses Already Know

Models can illuminate the economy, but when they overlook financial behaviour, trade credit and business realities, policy can diagnose the wrong problem

BL Chandak

September 1, 2026 at 6:13 AM IST

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India's Currency Paradox Has an Overlooked Link to Chinese Imports

Despite a world-class digital payment system, high-value currency continues to rise. The missing explanation may lie not in the payment system, but in India's trade with China.

BL Chandak

July 9, 2026 at 5:28 AM IST

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Trade Credit: India’s Financial Stability Blind Spot and Hidden Contagion Risk

The trade credit network is trust-based, and economic or geopolitical uncertainties disrupt its delicate balance. What India needs is to formalise this framework to ensure safeguarding manufacturing growth and financial stability.

BL Chandak

June 25, 2026 at 6:02 AM IST

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Is India's Trade Credit System Approaching a Tipping Point?

A hidden slowdown in trade credit flows is tightening liquidity at the base of India’s economy, subtle today but potentially systemic if ignored for long.

BL Chandak

May 6, 2026 at 5:44 AM IST

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Why India’s Working Capital Is Still Stuck on Paper

India has the rails to modernise working capital. Linking invoices with payments can cut fraud, sharpen pricing and improve credit flow.

BL Chandak

February 24, 2026 at 5:24 AM IST

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Working Capital’s Blind Spot in India’s Credit System

India’s working-capital system focuses on bank limits, not trade credit. Supplier credit and payment behaviour remain the economy’s hidden engine.

BL Chandak

February 23, 2026 at 6:04 AM IST

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Fixing India's Credit Blind Spot: Link Invoices to Payments

Link invoices with payments to turn cash flows into real-time credit signals, easing MSME, traders, small and mid-caps liquidity stress and fixing India's trade-credit blind spot.

BL Chandak

January 2, 2026 at 11:29 AM IST

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The Bureau

India’s GDP Data Puzzle: Pronab Sen on Deflators, Revisions and Trust
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