An ever growing middle class population and rising income levels, combined with the demographic change of smaller household sizes has boosted demand for retail credit. There may exist meaningful inter-linkages among economic indicators and personal finance growth such that the variation in the...

Mr. Ramesh a customer of HDFC Bank read in the newspaper The Times of India on 2nd August 2017 about the repo rate was reduced by the Reserve bank of India, from 625 Basis Points (BP) to 600 basis Points (BP). The newspaper on 2nd August 2017 also mentioned that all banks were expected to follow...

A number of studies have addressed issues on Energy Efficiency (EE) pertaining to improving productivity, employment generation, and increased energy security. Investing EE reduces demand for electricity generation, reduces fiscal deficit and energy deficits. In this context, very few studies...

This paper highlights and measures the quality of services provided by commercial banks in India. The perceptions of borrowers regarding service quality dimensions are composed and service quality of banks regarding credit schemes is measured. In this study, total service quality is measured in...

I study the impact of the expansion in a national-level directed lending program aimed at increasing institutional credit access of small firms in India. In 2006, the Government of India changed the criterion determining the small status of firms, thereby expanding the pool of small firms...