I am Prakash Ranjan Singh, a banker based in Ranchi, Jharkhand, with over three decades in Indian banking. I began at SBI Home Finance in 1995 and have worked at HDFC Bank since 2007. This page is a guide to the areas of banking I have worked in and to the articles on this site that draw on that experience. The opinions here are my own and come from my full career since 1995. Nothing here represents the views of any employer, and nothing here is financial advice. More about me is on the About page.
Branch and customer banking
Retail branch banking, cash operations, KYC and AML, and customer acquisition are the daily core of a bank. Related reading: what happens to banking during a strike, how the banking system uses public money, the private banking revolution, mis-selling of dreams, cyber fraud in the digital age, and on payments, UPI and the digital financial economy and UPI and global payments.
Credit, risk and recovery
Credit and risk assessment and retail loan collection show how borrowing goes right and wrong. Related reading: the debt trap, corporate loan settlement, digital lending regulation.
Secured and retail lending
Housing finance, loan against property, gold loan, car loan and two-wheeler loan. Related reading: loan against property, gold loan risks, gold loan auctions, the psychology of gold.
Personal, consumer and business credit
Personal loans, consumer finance and business loans. Related reading: the easy credit trap, the credit card trap, the debt generation, positive cash flow.
Guarantees, trade and commodity finance
Bank guarantees, export and import finance, and commodity finance connect banks to trade and farming. Related reading: agriculture and economic growth, silent inflation.
Wealth, investments and demat
Wealth management for corporate clients and demat operations. Related reading: investment psychology, wealth transfer and investors, salaried investor mistakes.