Research Initiatives
Research is an important aspect of education. Research studies help the institutions to understand the lay of the road and shape of things to come such that the educational programmes can be appropriately modified and sharpened. Further help the organizations to understand the problems to explore the appropriate steps to be initiated. With this in view, in 2003 the Institute had started an initiative to fund research studies on selected areas in banking and finance. The initiative has been known as the `Macro Research', the term macro suggesting the scope of the research and to distinguish it from the other research initiative of the Institute namely the 'Micro Research' which is a sort of an essay competition for members of the Institute (bankers) on areas of their interest.
Under the Macro Research initiative, the Institute invites proposals from research scholars from universities, colleges and banks to take up research in identified areas. The proposals are approved by the Research Advisory Committee (RAC) of the Institute comprising eminent bankers and economists. The present Research Advisory Committee comprises of
- Dr. Ajit Ranade, Chairman
- Mr. Madan Sabnavis, Member
- Dr. S.Sarkar, Member
- Dr. Pallavi Chavan, Member
Once selected, the researchers carry out full fledged research for a period of 4-6 months. The Institute awards grant support of Rupees two lakh and fifty thousand for undertaking the project. The research studies undertaken so far under the Macro Research initiatives are
| Sl.No. | Year | Title of Research | Author/s |
|---|---|---|---|
| 1 |
2003 (October 2003) |
WTO and its Implications for Indian Agriculture |
Dr.N.S. Shetty, Dr.N.K.Thingalaya and Dr.M.S.Moodithaya Of the Justice K.S.Hegde Institute of Management, Karnataka |
| 2 |
2003 (October 2003) |
Implications of WTO on Indian Industry: Leather and Garments Industries | Dr. Soundara Rajan and Dr.(Mrs.) Shanthi Nachiappan, Velammal College of Management and Computer Studies, Chennai |
| 3 |
2003 (April 2003) |
WTO and its Implications for Financial Services | Dr.A.K.Sengupta and Dr.R.Aurora of the SIES College of Management Studies (SIESCOMS), Navi Mumbai |
| 4 |
2004 (Dec.2004) |
Model of Micro Credit Financing System | Dr.B.T.Acharya of the Vaikunthbhai Mehta Research Centre for Decentralised Industries, Navi Mumbai |
| 5 | 2004 | The Role of Thrift and Credit Societies (T&CSs) to the Capital Formation among the Urban Poor in Kerala | Dr.K.Krishnakumar, State Poverty Eradication Mission (Kutumbashree), Thiruvanathapuram |
| 6 | 2003-4 | Basel II and Credit Risk | Dr. M. Jayadev , Indian Institute of Management, Lucknow |
| 7 | 2003-4 | Basel II: implications for Indian banks | Dr.M.K.Datar and Dr. Saumya Sankar Banerjee, Research and Planning Department of the Industrial Development Bank of India |
| 8 | 2004-05 | Emerging Structure of Indian Banking | Dr.A.S. Ramasastri, Dr. Achamma Samuel and Shri.S.Gangadaran, Reserve Bank of India |
| 9 | July 2006 | Mergers and Acquisitions in PSU Banks | Dr.Rudra Sensarma, Maxwell Fry Research Fellow, Birmingham Business School and Dr. M.Jayadev, Professor, Indian Institute of Management, Lucknow |
| 10 | 2005-06 | Regional Imbalance in Agriculture Credit in Goa: Cause and Effect Analysis | Dr.M.R.Patil, Dnyanprakasarak Mandal's College of Arts, Science and Commerce, Goa |
| 11 |
2005-06 April 2009 |
Imbalances in Agricultural Credit System in Different Agro-Climatic Zones of Tamil Nadu - An Economic Study | Prof. Dr. K. Mani and Mr.Karnam Lokanadhan Department of Agricultural Economics, Centre for Agriculture & Rural Development Studies, T.N. Agricultural University, Coimbatore |
| 12 |
2006-07 (2007) |
Retail Banking- Models, Strategies, Performances and the Future - The Indian Scenario | Dr. J Sethuraman, Chief Manager, of the Indian Overseas Bank, Chennai |
| 13 |
2006-07
April 2009 |
Retail Banking in India: Opportunities and Challenges | Dr. K.M. Bhattacharya, Prof. M.P.Deivikaran,Prof.L.A.Shaikh and Shri Anirban Basu , Centre for Advanced Banking & Finance Studies, ICFAI Business School, Mumbai |
| 14 |
2007-08 April 2009 |
Pricing of Bank Products and services | Prof. Dr. B.K. Swain of the Centre for Rural Credit and Development Banking, National Institute of Rural Development, Hyderabad |
| 15 |
2007-08 Dec. 2007 |
Housing Finance: A Study of Experiences of Commercial Banks | Dr. N.K. Thingalaya, Dr. M.S. Moodithaya and Dr. N.S. Shetty of the Justice K.S.Hegde Institute of Management, Nitte, Karnataka |
| 16 | 2007-08 | Agricultural Credit in India: Changing Profile and Regional Imbalances | Dr.S.L.Shetty, EPW Research Foundation, Mumbai |
| 17 | 2007-08 | Mutual funds and Banking: Indian and Global Experiences | Dr. N. Subrahmanyam, Professor of Finance, IBS, Hyderabad |
| 18 | 2008-09 | Feasibility of Business Correspondent/Business Facilitator models for financial inclusion in Uttar Pradesh | Dr. Prasun Kumar Das, School of Rural Management, KIIT University, Bhubaneshwar |
| 19 | 2008-09 | Operational Risk Measurement for the Indian Banking Sector: Alternative Measures | Prof. Dr. Romar Correa & Dr.Swati Raju, Department of Economics, University of Mumbai, Mumbai |
| 20 | 2008-09 | Suitability of Business Correspondent model for financial inclusion in Slums in Mumbai | Dr.(Mrs.) Shobana Vasudevan, Principal & Head,Research Cell, R.A.Podar, College of Commerce & Economics, Mumbai |
| 21 | 2009-10 | Customer Satisfaction Survey in Selected Microfinance Institutions | Dr. Suresh Chandra Bihari, Sanjit Roy and Dr.Kaushik Bhattacharya, IBS, Hyderabad |
| 22 | 2009-10 | Financial Literacy: The Approach of Indian Banks | Dr.A.N. Abhyankar, Akola Urban Co-operative Bank, Akola, Maharashtra |
| 23 | 2010-11 | Role of Credit Rating in Motivating Retail Investors with reference to Coimbatore District | Dr.S.Renuga Devi, S.N.R.Sons College, Coimbatore |
| 24 | 2010-11 | Understanding the Structure of Microfinance institutions in India and suggesting a Regulatory Framework | Dr. Prakash Singh, IIM, Lucknow |
| 25 | 2011-12 | BASEL-III: Implications for Indian Banking | Dr. Vighneswara Swamy, IBS, Hyderabad |
| 26 | 2011-12 | A Study on quality of customer services of Banks in India | Dr. Manasa Nagabhushanam, Analyz Research Solutions Pvt.Ltd, Bangalore |
| 27 | 2011-12 | Bank Finance for Agro Business: A Case study in Dakshina Kannada | Dr. G.V. Joshi, Justice K.S.Hegde Institute of Management, Nitte |
| 28 | 2011-12 | Measuring Customer Services through Customer Satisfaction Index | Dr.B.K.Swain, Centre for Rural Credit and Development Banking, NIRD, Hyderabad |
| 29 | 2011-12 | Evaluation of the BC/BF Model | Dr.P.S.R.Prasad, State Bank Staff College, Hyderabad |
| 30 | 2011-12 | Issues in SME Financing | Dr. Ram Jass Yadav, Bank of Baroda Staff College, Amdedabad |
| 31 | 2011-12 | Priority sector credit across states and banks -Issues of inclusiveness - Equity across regions And impact assessment In Andhra Pradesh | Dr.S.Kishan Rao, Chairman & Director, National Akademi of Development, Secunderabad |
| 32 | 2012-13 | Security and Privacy Issues in Internet Banking: A Study of online banking portals and customers'+ perspective | Dr. Tejinderpal Singh, University Business School, Punjab University, Chandigarh |
| 33 | 2012-13 | Financial Inclusion in India: Why not happened? | Dr. Debashis Acharya, School of Economics, University of Hyderabad and Mr.Tapas Kumar Parida, Economist, SBI, Mumbai |
| 34 | 2012-13 | Infrastructure Financing: Challenges of Restructuring | Dr. Vikas Srivastava, IIM, Ranchi |
| 35 | 2013-14 | Issues in loan restructuring & provisioning (CDR) | Dr. Rajendra Singh Chikara, DGM, State Bank Academy, Gurgaon |
| 36 | 2013-14 | The Trade Credit Channel of Monetary Transmission in India | Mr. Saibal Ghosh, RBI, Mumbai |
| 37 | 2013-14 | Managing Current Account Deficit: Cross Country Experience from Developing Countries | Dr. Partha Ray, IIM, Calcutta |
| 38 | 2013-14 | Asset Quality of banks: Evidence from India | Dr. Arpita Ghosh, IIM, Calcutta |
| 39 | 2014-15 | Quantifying Basel III's time varying capital requirements and their impact on macro and financial variables over business and financial cycles | Dr. Saurabh Ghosh, RBI, Mumbai |
| 40 | 2014-15 | Rethinking Priority Sector Lending for Banks in India | Mr. Sumit Jain, Mr. Tapas Kumar Parida & Dr. Soumya Kanti Ghosh, SBI, Mumbai |
| 41 | 2014-15 | The impact of Technology on the Performance of Indian Banking Industry: An Empirical Study | Dr. Sanjeev Bansal, Professor & Chairman, Department of Economics, Kurukshetra University, Kurukshetra |
| 42 | 2015-16 | Corporate Financing Options in India: Banking Vs. Capital markets |
Dr. Ajaya Kumar Panda, National Institute of Industrial Engineering, Mumbai and Mr. Bibekananda Panda, State Bank Staff College, Hyderabad |
| 43 | 2015-16 | A Study on the Effectiveness of Transmission of Monetary Policy Rates in India |
Dr.Vighneswara Swamy
IBS, Hyderabad |
| 44 | 2015-16 | Evaluating Implementation of Jan Dhan Yojana |
Dr. Bijay Kumar Swain, National Institute of
Rural Development & Panchayati Raj, Hyderabad |
| 45 | 2015-16 | A Study on Risks from Foreign Currency Exposure of SMEs and their Impact on Banks | Dr. Akhilesh Tripathi, State Bank of India |
| 46 | 2016-17 | Impact of Demonetization on the Microfinance sector and the Financial inclusion of poor | Dr. Radhika Ramanchi, Hyderabad Business School, GITAM University; Ms. R.Sushma, Aurora PG College, Hyderabad; Prof. A.Sreeram, Hyderabad Business School, GITAM University |
| 47 | 2016-17 | Impact of Technological Disruption on Workforce Challenges of Indian Banks - Identification, Assessment & Mitigation | Dr. Neha Chhabra Roy, Narsee Monjee Institute of Management Studies, Bangalore & Dr. T. Viswanathan, Symbiosis Institute of Business Management, Bangalore |
| 48 | 2017-18 | Non-Performing Assets of Banks in India: Efficiency in Management | Dr. Swati Raju, Mumbai School of Economics & Public Policy (Autonomous), University of Mumbai. |
| 49 | 2017-18 | Shadow banking in India: Do bank run Asset Management Companies (AMCs) perform liquidity transformation through exposure to Non-Banking Finance Companies (NBFC) in their debt oriented schemes and will this increase the systemic risk of a bank due to a possible joint exposure to NBFCs | Dr. Jaslene Bawa, FLAME University; Dr. Sankarshan Basu, Indian Institute of Management, Bangalore; Dr. Asish Saha, FLAME University. |
| 50 | 2017-18 | Ethics And Corporate Governance In Indian Banking Sector | Dr. Prakash Singh, Indian Institute of Management Lucknow. |
| 51 | 2017-18 | A Study on Issues and Challenges in MSME Financing in the State of Bihar | Dr. Vipul Kumar Singh, National Institute of Industrial Engineering (NITIE), Mumbai & Dr. Santosh Kumar, Chandragupt Institute of Management, Patna |
| 52 | 2018-19 | Issues and Challenges in Moving Towards a Digital and Cashless Banking Economy | Dr. Karabi Goswami & Dr. Shazeed Ahmed, Assam Institute of Management. |
| 53 | 2018-19 | Sustainability of Cashless Banking in Unorganized Retail Sector: A Comparative study of two districts of Telangana | Dr. Archana Srivastava & Dr. Rishi Kumar, BITS-Pilani Hyderabad Campus. |
| 54 | 2018-19 | The determinants of customer’s continuance intention to use digital banking: Public and Private Banks | Dr. P. Ganesan & Dr.A. Sivakumar, VIT Business School, Vellore. |
| 55 | 2019-20 | Transforming Rural Agricultural Cooperative Banks with Microfinance Model A Ubiquitous way of Banking Resurgence | Dr.P.Baba Gnanakumar & Dr.Nelson Michael Justin, Kristu Jayanti College Bengaluru |
| 56 | 2019-20 | Financial Intervention for Sustainable Tribal Livelihoods: A study to understand the Objectives Vs Outcomes of Microfinance and SHGs (Women) Empowerment | Dr. G Bhaskar N. Rao, IDBI Bank Ltd. & Ms. Rachel Alice Filbert, Andhra Pradesh Grameena Vikas Bank |
| 57 | 2020-21 | A Report on Issues and Challenges in Financing MSME in Pune, Maharashtra | Shri Prasad Srikant Barje, State Bank Institute of Learning & Development, Pune; Dr Elizabeth James, National Institute of Bank Management, Pune |
| 58 | 2021-22 | Impact of EASE reforms on Banking | Mr. Dinesh Mishra, Chief Manager & Faculty, Union Bank of India & Dr. Amrendra Pandey, Associate Professor, Kautilya School of Public Policy, Hyderabad |
| 59 | 2021-22 | Linkages between competitive structure and financial stability: An empirical analysis of Indian Banks | Dr. Ajaya Kumar Panda, Associate Professor, IIM Mumbai |
The Institute has published all the research works listed under Sl.No.1-31 above in 5 volumes. These reports are available for reference at the Institute's library.