Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 150
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 150
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 151
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 151
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 97
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

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        LATEST NEWS UPDATES | A new paradigm for inclusion    </title>
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-The Hindu



 The report of an RBI-appointed committee on financial inclusion and financial deepening has stimulated a wide-ranging debate on these crucial areas. However, policy measures initiated by the government and the RBI while adding to the numbers of new..."/>
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-The Hindu



 The report of an RBI-appointed committee on financial inclusion and financial deepening has stimulated a wide-ranging debate on these crucial areas. However, policy measures initiated by the government and the RBI while adding to the numbers of new..." />
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    <h1 class="cat-box-title">A new paradigm for inclusion</h1>
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                            <div align="justify">-The Hindu</div><p align="justify"><br /> The report of an RBI-appointed committee on financial inclusion and financial deepening has stimulated a wide-ranging debate on these crucial areas. However, policy measures initiated by the government and the RBI while adding to the numbers of new bank branches, new accounts and so on did not really enhance the quality of such inclusive practices. In September last year, the RBI asked the committee chaired by Nachiket Mor to prepare &quot;a clear and detailed vision document&quot; to lay down a set of &quot;design principles&quot; to guide national frameworks and regulation and to review existing strategies and institutions with a view to removing barriers to inclusion and to the deepening of the financial sector. The report, submitted in just over four months, is rich in detail, but its core agenda is to be seen in a few specific action points. Every Indian above 18 will have to be provided with a universal electronic bank account by January 2016, less than two years from now. Aadhaar will be the basis to open bank accounts. A vertically differentiated banking system with payments banks for deposits and payments and wholesale banks for credit outreach will come up, with few entry barriers.</p><p align="justify">No one can fault the committee for the lack of ambition or a sense of urgency. It has underlined the urgency by stipulating a distance rule - no one need walk for more than 15 minutes to reach a point of contact to avail a financial service. That has been one of the major areas of dissent within the committee, with two of its members seeking a more realistic timeframe. The committee might have glossed over the huge costs that will have to be incurred in terms of physical infrastructure and human resources. No matter how important technology will be in the emerging financial scene, the role of human resources cannot be discounted. The idea of setting up differentiated banks is not new. Regional rural banks and local area banks which fall in this category did not measure up despite being theoretically sound. Their cost structure moved up in line with those of commercial banks, making them unviable. Despite a much lower capital requirement being stipulated for these banks, there may not be many takers for them. The assumption that Aadhaar will roll out across the country by the end of next year might be an optimistic one. Despite such doubts, the Nachiket Mor report is a truly visionary document that should help the Reserve Bank and the government to initiate specific moves towards complete financial inclusion. </p>                                                           
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    <br><a href="http://www.thehindu.com/opinion/editorial/a-new-paradigm-for-inclusion/article5583237.ece?homepage=true" class="re" target="_blank">The Hindu, 17 January, 2014, http://www.thehindu.com/opinion/editorial/a-new-paradigm-for-inclusion/article5583237.ece?homepage=true</a><div class="clear"></div>
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    <h1 class="cat-box-title">A new paradigm for inclusion</h1>
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                            <div align="justify">-The Hindu</div><p align="justify"><br /> The report of an RBI-appointed committee on financial inclusion and financial deepening has stimulated a wide-ranging debate on these crucial areas. However, policy measures initiated by the government and the RBI while adding to the numbers of new bank branches, new accounts and so on did not really enhance the quality of such inclusive practices. In September last year, the RBI asked the committee chaired by Nachiket Mor to prepare &quot;a clear and detailed vision document&quot; to lay down a set of &quot;design principles&quot; to guide national frameworks and regulation and to review existing strategies and institutions with a view to removing barriers to inclusion and to the deepening of the financial sector. The report, submitted in just over four months, is rich in detail, but its core agenda is to be seen in a few specific action points. Every Indian above 18 will have to be provided with a universal electronic bank account by January 2016, less than two years from now. Aadhaar will be the basis to open bank accounts. A vertically differentiated banking system with payments banks for deposits and payments and wholesale banks for credit outreach will come up, with few entry barriers.</p><p align="justify">No one can fault the committee for the lack of ambition or a sense of urgency. It has underlined the urgency by stipulating a distance rule - no one need walk for more than 15 minutes to reach a point of contact to avail a financial service. That has been one of the major areas of dissent within the committee, with two of its members seeking a more realistic timeframe. The committee might have glossed over the huge costs that will have to be incurred in terms of physical infrastructure and human resources. No matter how important technology will be in the emerging financial scene, the role of human resources cannot be discounted. The idea of setting up differentiated banks is not new. Regional rural banks and local area banks which fall in this category did not measure up despite being theoretically sound. Their cost structure moved up in line with those of commercial banks, making them unviable. Despite a much lower capital requirement being stipulated for these banks, there may not be many takers for them. The assumption that Aadhaar will roll out across the country by the end of next year might be an optimistic one. Despite such doubts, the Nachiket Mor report is a truly visionary document that should help the Reserve Bank and the government to initiate specific moves towards complete financial inclusion. </p>                                                           
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    <br><a href="http://www.thehindu.com/opinion/editorial/a-new-paradigm-for-inclusion/article5583237.ece?homepage=true" class="re" target="_blank">The Hindu, 17 January, 2014, http://www.thehindu.com/opinion/editorial/a-new-paradigm-for-inclusion/article5583237.ece?homepage=true</a><div class="clear"></div>
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    <h1 class="cat-box-title">A new paradigm for inclusion</h1>
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                            <div align="justify">-The Hindu</div><p align="justify"><br /> The report of an RBI-appointed committee on financial inclusion and financial deepening has stimulated a wide-ranging debate on these crucial areas. However, policy measures initiated by the government and the RBI while adding to the numbers of new bank branches, new accounts and so on did not really enhance the quality of such inclusive practices. In September last year, the RBI asked the committee chaired by Nachiket Mor to prepare &quot;a clear and detailed vision document&quot; to lay down a set of &quot;design principles&quot; to guide national frameworks and regulation and to review existing strategies and institutions with a view to removing barriers to inclusion and to the deepening of the financial sector. The report, submitted in just over four months, is rich in detail, but its core agenda is to be seen in a few specific action points. Every Indian above 18 will have to be provided with a universal electronic bank account by January 2016, less than two years from now. Aadhaar will be the basis to open bank accounts. A vertically differentiated banking system with payments banks for deposits and payments and wholesale banks for credit outreach will come up, with few entry barriers.</p><p align="justify">No one can fault the committee for the lack of ambition or a sense of urgency. It has underlined the urgency by stipulating a distance rule - no one need walk for more than 15 minutes to reach a point of contact to avail a financial service. That has been one of the major areas of dissent within the committee, with two of its members seeking a more realistic timeframe. The committee might have glossed over the huge costs that will have to be incurred in terms of physical infrastructure and human resources. No matter how important technology will be in the emerging financial scene, the role of human resources cannot be discounted. The idea of setting up differentiated banks is not new. Regional rural banks and local area banks which fall in this category did not measure up despite being theoretically sound. Their cost structure moved up in line with those of commercial banks, making them unviable. Despite a much lower capital requirement being stipulated for these banks, there may not be many takers for them. The assumption that Aadhaar will roll out across the country by the end of next year might be an optimistic one. Despite such doubts, the Nachiket Mor report is a truly visionary document that should help the Reserve Bank and the government to initiate specific moves towards complete financial inclusion. </p>                                                           
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    <br><a href="http://www.thehindu.com/opinion/editorial/a-new-paradigm-for-inclusion/article5583237.ece?homepage=true" class="re" target="_blank">The Hindu, 17 January, 2014, http://www.thehindu.com/opinion/editorial/a-new-paradigm-for-inclusion/article5583237.ece?homepage=true</a><div class="clear"></div>
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Home हिन्दी

A new paradigm for inclusion

Published on Jan 17, 2014   Modified on Jan 17, 2014

-The Hindu The report of an RBI-appointed committee on financial inclusion and financial deepening has stimulated a wide-ranging debate on these crucial areas. However, policy measures initiated by the government and the RBI while adding to the numbers of new bank branches, new accounts and so on did not really enhance the quality of such inclusive practices. In September last year, the RBI asked the committee chaired by Nachiket Mor to prepare "a clear and detailed vision document" to lay down a set of "design principles" to guide national frameworks and regulation and to review existing strategies and institutions with a view to removing barriers to inclusion and to the deepening of the financial sector. The report, submitted in just over four months, is rich in detail, but its core agenda is to be seen in a few specific action points. Every Indian above 18 will have to be provided with a universal electronic bank account by January 2016, less than two years from now. Aadhaar will be the basis to open bank accounts. A vertically differentiated banking system with payments banks for deposits and payments and wholesale banks for credit outreach will come up, with few entry barriers. No one can fault the committee for the lack of ambition or a sense of urgency. It has underlined the urgency by stipulating a distance rule - no one need walk for more than 15 minutes to reach a point of contact to avail a financial service. That has been one of the major areas of dissent within the committee, with two of its members seeking a more realistic timeframe. The committee might have glossed over the huge costs that will have to be incurred in terms of physical infrastructure and human resources. No matter how important technology will be in the emerging financial scene, the role of human resources cannot be discounted. The idea of setting up differentiated banks is not new. Regional rural banks and local area banks which fall in this category did not measure up despite being theoretically sound. Their cost structure moved up in line with those of commercial banks, making them unviable. Despite a much lower capital requirement being stipulated for these banks, there may not be many takers for them. The assumption that Aadhaar will roll out across the country by the end of next year might be an optimistic one. Despite such doubts, the Nachiket Mor report is a truly visionary document that should help the Reserve Bank and the government to initiate specific moves towards complete financial inclusion.

The Hindu, 17 January, 2014, http://www.thehindu.com/opinion/editorial/a-new-paradigm-for-inclusion/article5583237.ece?homepage=true

Tagged with: Financial Inclusion banking

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