Rule of law is better than the rule of life, but it is a two-way street

Rule of law doesn’t just apply to citizens and businesses, it applies to government too

There has been a welcome development in India that many are talking about the need for a rule…

My experience of setting up UPI from a basic phone for my house help

Shanti (name changed) works at my place and she cooks for us and cleans the house. She has two children. I noticed that she goes to her village to collect pensions for her husband. Her travel expense is quite…

Ideas to fix the twin balance sheet problem

A lot of loans that Banks in India (public sector banks in particular) have lent to big business projects are turning out to be bad loans. This implies that many of these businesses are not in a position to pay back these loans because the projects for…