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Browsing Technical Reports by Title

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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 ...
  • 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 ...
  • 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 ...
  • 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 ...
  • 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 ...
  • 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 ...
  • 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 ...
  • 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.
  • 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 ...
  • 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 ...
  • 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 ...
  • 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 ...

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