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Overdraft: Saving the Indian Saver

Urjit Patel | Hardcover | 248 pages
MRP : 599/-
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Description : All of us love to spend. But before we can do that, we have to have earned or saved some money. Only sovereigns don't have to: they can print money, or borrow; in our country, where they own banks, they can use our deposits to lend and splurge for goals that may not always be economic in nature. Many rulers have succumbed to the temptation, with dire results - inflation, debased currency, payments crises, bankrupt banks, economic stagnation, loss of public confidence. After centuries of ruinous experiences, some governments learnt, others haven't, to control themselves, create self-governing Central banks and let them manage money and regulate banks. Sometime in 2015, news of unsustainable bad debts (non-performing assets or NPAs) in the Indian banking sector started to first trickle out, and then became a flood. In the forefront were some of India's largest government banks, and a series of tycoons who were running their empires on unpaid debts. The banks' problems landed on the table of Urjit Patel when he became Governor of Reserve Bank of India in September 2016. Based on thirty years of macroeconomic experience, he worked out the '9R' strategy which would save our savings, rescue our banks and protect them from unscrupulous racketeers. In this book, he explains the problem and how it blew up; and how he would have resolved it if he had not been prevented.

Product Details

Publisher : Harper Collins
Publication Year : 2020
Language : English
ISBN : 9789353579142
Categories : BUSINESS & MANAGEMENT
Product Dimension : 4 X 14 X 20 cm
Weight : 0.5 kgs

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Customer Reviews

| raman.******@gmail.com |
An interesting read from the inside man himself, who was thrust upon the job of cleaning up the mess of our PSU banks which was conveniently ignored and misused for years. Mr Urgit Patel gives a clear picture of the past mistakes and how he addressed the ills to rectify them and create a better set-up for the future of these banks.

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