The Centre for Studies in Banking and Finance (‘CSBF’) is pleased to announce the results for the Fifth Edition of NLUJ-CSBF Essay Writing Competition 2026 after an extensive evaluation for 90 competing submissions received from law schools all over in India.
We partnered with Shardul Amarchand Mangaldas (‘SAM’) for intellectual support and we are pleased to inform you that we have received the final winning entries as evaluated by the SAM Team after an extensive review process.
We are pleased to submit the list of the winning entries –
- Winner
Authors: Arnab Chakraborty and Anubhi Srivastava
Title of the Article: Algorithmic Caste: Post-Identitarian Discrimination And The Infrastructural Reproduction Of Social Stratification In Indian Digital Lending
- Second Prize
Authors: Vaibhav Kumar and Dhiya Veer Shadakshari
Title of the Article: The Phantom Lender Problem: Regulatory Perimeter Failure and the Governance of Unregulated Lending Apps in India
- Third Prize
Authors: Saumya Raj and Shivangi Raj
Title of the Article: Manufacturing Consent: Dark Patterns, Behavioural Exploitation And Regulatory Gaps In India's Digital Lending Ecosystem
- Special Mention (Fourth Best Entry)
Author: Praneel Shukla
Title of the Article: The Compliance Buffer: Why The Regulated Entity-Lending Service Provider Accountability Framework Does Not Deter Misconduct In India's Digital Lending Market
- Special Mention (Fifth Best Entry)
Author: Manya Garg
Title of the Article: Designed to Deceive: Dark Patterns in Digital Lending as Market Misconduct
The top three entries in the Competition are be awarded as -
- First Prize: INR 30,000/- along with a merit certificate;
- Second Prize: INR 25,000/- along with a merit certificate;
- Third Prize: INR 15,000/- along with a merit certificate.
