We study a bank run in India in which private bank branches experience sudden and considerable loss of deposits that seek safety in state-owned public sector banks (PSBs). We trace the consequences of this reallocation using granular data on bank- firm relationships and branch balance sheets....

Yes, it does. This paper finds novel evidence that salesforce gender composition has first order importance in buffering demand irregularities. We use detailed administrative data on the population of bank-branches in India. We show that savings and term deposits respond negatively to an...

We study a bank run in India in which private bank branches experience sudden and considerable loss of deposits that seek safety in state-owned public sector banks (PSBs). We trace the consequences of this reallocation using granular data on bank-firm relationships and branch balance sheets. The...

We use data from Reserve Bank of India to study the impact of India's Golden Quadrilateral (GQ) highway project on finance-dependent activity. Loan volumes increase by 20-30% in districts along GQ and are stronger in industries more dependent upon external finance. Loan growth begins with...

We present novel evidence regarding the impact of natural disasters on the dynamics of interest rates and their influence on real economic activities. Using the universe of bank loans in India, we find that local branches exposed to natural disasters increase loan interest rates for all kinds of...

We utilize branch-level data on deposits of commercial banks in India to study heterogeneity in depositors' responses to the disclosure of significant regulatory penalties. We find that men respond to such monetary penalties by withdrawing their deposits, whereas women do not. However, relative...

This paper empirically estimates and analyzes various efficiency scores of Indian banks during 1997-2003 using data envelopment analysis (DEA). During the 1990s India’s financial sector underwent a process of gradual liberalization aimed at strengthening and improving the operational...

This paper uses Data Envelopment Analysis to measure labor use efficiency of individual branches of a large public sector bank with several thousand branches across India. We find considerable variation in the average levels of efficiency across the four metropolitan regions considered in this...