Selected Tag: UCB
Selected Tag: UCB

Three Lines of Defence in Cooperative Banks: Orchestra Sans Instruments

Cooperative banks test the model where it is weakest: thin control functions, elected boards and depositors who cannot read the warning signs until a crisis.

Rabi N. Mishra

Komal Gupta

November 13, 2026 at 6:19 AM IST

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Wikimedia Commons

The Missing Test of Governance in Cooperative Sector

The test of the quality of governance does not lie in the existence of an architecture – but in whether that architecture enables the institution to govern itself effectively.

Rabi N. Mishra

Komal Gupta

September 2, 2026 at 4:28 AM IST

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Istock.com

Reopening the UCB Window: Is India Looking to the Past Instead of the Future?

The RBI’s plan to reopen UCB licensing revives an old institutional form even as governance, capital and scale constraints remain unresolved.

R. Gurumurthy

August 6, 2026 at 8:44 AM IST

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The Bureau

India's Energy Transition: The Hard Part is Yet to Come
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