Overdraft: Saving the Indian Saver

• The book explores how excessive borrowing, non-performing assets, weak banking practices, and government intervention can affect an economy. Patel combines economic analysis with his experience at the Reserve Bank of India to discuss possible reforms

• Urjit R. Patel served as the 24th Governor of the Reserve Bank of India. He has extensive experience in macroeconomics, monetary policy, banking, and financial stability, and previously held international roles including at the Bank for International Settlements.

Overdraft looks at the growth of bad debts in India's banking sector, particularly around the mid-2010s. Patel explains how stressed loans affected banks and the wider economy and discusses his nine-R framework for strengthening banks, protecting depositors, and improving financial discipline