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What happens if your bank fails? Decoding India’s deposit insurance scheme and ways to address its flaws

Updated : November 01, 2019 07:40 AM IST

The deposit insurance premium is the same for all banks; it does not differentiate between banks based on the underlying risk.
The biggest conceptual issue with the current scheme is around the pricing of the risk of a bank failure.
What happens if your bank fails? Decoding India’s deposit insurance scheme and ways to address its flaws

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