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Browsing Technical Reports by Issue Date

Browsing Technical Reports by Issue Date

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  • A note on demand draft charges levied by banks in India 
    DAS, ASHISH; RAJEEV KUMAR; PRASANNA KUMAR (2010-03-19)
    In this paper we study the service charges levied by banks on demand drafts in India. Though RBI advocated reasonability of service charges for demand drafts as early as February 2007, it did not prescribe any explicit ...
  • Comparison of banks with respect to cheque collection policy 
    NAGA, A D; RAMARAO, VENKATA; DAS, ASHISH; MIDHA, CHAND (2010-03-30)
    In 2004 RBI deregulated the standards set for cheque collections. The cheque collection policies formulated by banks post deregulation were studied by Das and Das (2006). Subsequent developments and Reserve Bank of India’s ...
  • On service charges of the banks in India 
    GANGULY, AMRITA; DAS, ASHISH (2010-03-30)
    In September 2006, Reserve Bank of India came out with a report “Report of the working group to formulate a scheme for Ensuring Reasonableness of Bank Charges” highlighting various issues on reasonableness of bank’s service ...
  • Rationalisation of charges levied by banks on returned cheques 
    DAS, ASHISH; NAGA, A D; RAMARAO, VENKATA (2010-03-30)
    This is an approach paper for rationalisation of service charges levied by banks on returned cheques in India. The analysis carried out here has an underlying premise that competitive market pricing is required to safeguard ...
  • Cashless Payment System in India- A Roadmap 
    DAS, ASHISH; AGARWAL, RAKHI (2010-08-31)
    India has been using electronic payment systems for many years now. However, the retail sector still has predominance of cash transactions, and payment through cards is yet to pick up. Cards (both credit and debit) are one ...
  • Savings Bank Accounts- Interest Rate Deregulation 
    DAS, ASHISH (2011-05-27)
    For long, the regulated savings bank (SB) interest rate remained downward sticky even when the market conditions were favourable for an increase. This could be attributed, among other reasons, to commercial banks’ prevail ...
  • Electronic Remittance System in India – Rationalization 
    DAS, ASHISH (2011-06-01)
    Migrating from paper-based payments to electronic payments would improve the overall efficiency of the payment system, and provide meaningful cost savings and efficiency to the entire economy. With a view to expedite ...
  • A Rational Savings Bank Deposit Interest Rate in India 
    DAS, ASHISH (2011-10-21)
    Reserve Bank of India (RBI) through one of its discussion papers proposed to deregulate savings bank (SB) deposit interest rate to remove the skewed benefits that the bankers may be enjoying at the expense of the depositors. ...
  • Distributed optimisation method for multi-resource constrained scheduling in coal supply chains 
    THOMAS, ANU; SINGH, GAURAV; KRISHNAMOORTHY, MOHAN; VENKATESWARAN, JAYENDRAN (2012-02-10)
    We consider an integrated planning and scheduling problem motivated by the coal supply chains in Australia. The problem considers production planning of several independent mines. The mines need trains to complete delivery ...
  • Including the Poor- Need for Reforms in Remittances 
    DAS, ASHISH (2012-07-23)
    This paper looks into the reforms that the remittance system of the country needs in order to boost financial inclusion and bring in inclusive growth. Leveraging on an effective interoperable electronic remittance arrangement ...
  • ‘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 ...
  • Banks Violating Prevention of Money-Laundering Act for Excluding the Excluded 
    DAS, ASHISH (2013-11-26)
    To facilitate banking for small clients, Reserve Bank of India (RBI), as early as 2005, introduced savings bank account not requiring maintenance of minimum balance in the account. For such accounts, the fee for non-maintenance ...
  • 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 ...
  • 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 ...
  • 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 ...
  • Characterization and Optimal Designs for Choice Experiments 
    CHAI, FENG-SHUN; DAS, ASHISH; MANNA, SOUMEN (2014-11-21)
    Street and Burgess (2007) present a comprehensive exposition of designs for choice experiments till then. The choice design involves $n$ attributes (factors) with $i$-th attribute at $l_i$ level, and all choice sets are ...
  • 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 ...
  • 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 ...
  • Optimal two-level choice designs for estimating main effects and specified two-factor interactions 
    Chai, Feng-Shun; Das, Ashish; Singh, Rakhi (2015-10-11)
    Over two decades, optimal choice designs have been obtained for estimating the main effects and the main plus two-factor interaction effects under both the multinomial logit model and the linear paired comparison model. ...

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