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Browsing Technical Reports by Author "Das, Ashish"

Browsing Technical Reports by Author "Das, Ashish"

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  • The Art of Living for ATMs in India 
    Das, Ashish (2014-09-17)
    To move away from cash, the payment system models should ideally incentivize use of debit card / pre-paid card / NEFT / IMPS and equivalents in day to day cashless payment transactions. The incentives for cashless use of ...
  • Banking Inclusion - A Leap Forward Clear Guidelines on Officially Valid Document 
    Das, Ashish (2014-07-22)
    To reach the changes to the ears of the people for whom it is meant, this note is to picture some of the very recent regulations in force to open a bank account (Savings Account / Fixed Deposit Account). The regulations ...
  • Basic Savings Bank Deposit Account - Complex Design, Faulty Implementation 
    Das, Ashish (2017-06-26)
    This work is a culmination of in-length correspondence with RBI and select banks, regarding how banks had been handling the RBI mandated savings product, the Basic Savings Bank Deposit Account (BSBDA). With about one-third ...
  • Can BSBDA Depositors have Long Innings? - Be Aware and Remain Vigilant 
    Das, Ashish (2018-05)
    The Basic Savings Bank Deposit Account (BSBDA) is a RBI mandated savings product that provides to the customer facilities of (i) unlimited credit, (ii) four debits every month, (iii) zero minimum balance, and (iv) no service ...
  • Charges for PPI-based P2M UPI transactions – The deception 
    Das, Ashish (2023-04-02)
    Charges for PPI-based P2M UPI transactions – The deception
  • Charges in Credit Card Payment System 
    Das, Ashish (2022-10-02)
    The credit card payment system is not exclusively a payment system since in it is embedded a camouflaged loan product. An avoidable element in the cost of the credit card payment system is the credit cost that piggybacks ...
  • Charges in Payment Systems in India 
    Das, Ashish (2022-10-02)
    On August 17, 2022, Reserve Bank of India (RBI) brought out a “Discussion Paper on Charges in Payment Systems” with an intention to seek answers to few questions from the public. The objective of RBI’s nationwide exercise ...
  • Charges in the UPI System 
    Das, Ashish (2022-10-30)
    As India strides forward to move from paper-based payments to digital payments, a crucial aspect that would further acceptability is affordability of making and receiving digital payments. With the ultimate stakeholders ...
  • Consumer Price Index: Methodological Aspects of Measuring Housing Services 
    Das, Praggya; Das, Ashish (2025-12-18)
    India's Ministry of Statistics and Programme Implementation (MoSPI) is undertaking a crucial revision of the Consumer Price Index (CPI) Base to 2024 = 100. Within this comprehensive update, the methodological approach to ...
  • D- and MS-optimal 2-Level Choice Designs for $N\not\equiv 0$ (mod 4) 
    Singh, Rakhi; Chai, Feng-Shun; Das, Ashish (2014-11-22)
    Street and Burgess (2007) present a comprehensive exposition of designs for choice experiments till then. Our focus is on choice experiments with two-level factors and a main effects model. We consider designs for choice ...
  • Discovering the right MDR for India 
    Das, Ashish (2017-02-28)
    RBI has brought out a draft regulation on MDR, seeking public comments. While keeping the digital payment focus for the country, this report suggests tweaks in the approach being advocated by RBI.
  • Efficient algorithms using subiterative convergence for Kemeny ranking problem 
    Badal, Prakash S; Das, Ashish (2017-10-24)
    Multidimensional ranking is useful to practitioners in political science, computer science, social science, medical science, and allied fields. The objective is to identify a consensus ranking of n objects that best fi ts ...
  • Fault Lines in Implementation of Minimum Balance Rule for Savings Bank Accounts in India 
    Das, Ashish (2017)
    The objective of this note is to highlight the true features of a significant regulation put in place by RBI on levy of penal charges for non-maintenance of minimum balance in savings bank accounts. Banks have been given ...
  • Incentivising ATM-cash and cheques over electronic transactions - A policy gap 
    Das, Ashish (2016-01-27)
    The country is moving through a phase of dynamic changes in the payment system. This is primarily due to technology coming into play to revolutionise the payment space. Reserve Bank of India (RBI) and the government both ...
  • Interest on Deposits – Moving Towards Computing Standards 
    Das, Ashish (2016-03-14)
    The Reserve Bank of India (RBI) on March 3, 2016 came out with master directions on ‘interest rate on deposits’. These directions over rule all the existing instructions on the subject and applies to all deposits accepted ...
  • ‘Interest’ of Bank Depositors in Chaos 
    Das, Ashish (2013-07-02)
    For Savings Bank (SB) deposits and Term deposits, amounting to Rs 60 lakh crore, though interest is computed on a per annum basis, Reserve Bank of India (RBI) has allowed banks to pay such interests to depositors only at ...
  • Merchant transactions through debit cards 
    Sharma, Bhavna; Das, Ashish (2021-10-01)
    This report provides a follow-up of the conclusions drawn in an earlier IIT Bombay Technical Report (September 2020) “Merchant transactions through debit cards – costs and prices” http://dspace.library.iitb.ac.in/jspui/h ...
  • A Myth called ‘Any Branch Banking’ - Service Charge Discrimination : Misrepresentation of Monetary Policy Regulatory Stance 
    Das, Ashish (2014-10-26)
    The term “Inter-sol charges” has been used frequently by banks and off late by Reserve Bank of India (RBI). The word ‘sol’ means branch. Thus intersol charges mean inter-branch charges. These are charges levied by banks ...
  • On optimal two-level supersaturated designs 
    Singh, Rakhi; Das, Ashish (2015-02-04)
    A popular measure to assess two-level supersaturated designs is the $E(s^2)$ criteria. Recently, Jones and Majumdar (2014) introduced the $\mbox{{\it UE}}(s^2)$ criteria and obtained optimal designs under the criteria. ...
  • Optimal Paired Choice Block Designs 
    Singh, Rakhi; Das, Ashish; Chai, Feng-Shun (2015-09-16)
    Choice experiments mirror real world situations closely and helps manufacturers, policy-makers and other researchers in taking business decisions on their product characteristics based on its perceived utility. In a paired ...

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