Articles
March 1, 2023
Don’t chase Lakshmi, embrace Mahalakshmi
Average age and lifespan of businesses is drastically coming down. It used to be 20 odd years till 2020 and courtesy covid and the VUCA (highly volatile, uncertain, complex and ambiguous) world we live in, it has come down to even further lower levels and this trend of the average age going down is simply accelerating. Similarly, family businesses also hardly survive the 3rd generation and in the current turbulent times, it is highly likely that the longevity and lifespan of family businesses are going to decline further.
February 25, 2023
Buy Now Pay Later – The Future of Lending or a Regulatory Minefield?
Buy Now Pay Later (BNPL) was introduced as the next “big thing” in consumer finance, seducing an entire generation with a great pitch. After all, it was positioned not as credit, but rather, as debt with no interest. The Covid-19 pandemic witnessed a dramatic shift in consumption patterns; job losses and pay cuts slashed consumers’ purchasing power.
February 2, 2023
The Essence of Wealth Management
Today, in our stage of evolution, the age of Web 3.0 and digitization – technology is all powerful. It has disrupted our way of life and rendered many businesses redundant on its path of evolution. The best part of technology is that it can bring with it a paradigm shift in the way things stand and these disruptions are innovation driven. However, in the case of wealth management, technology has been a gradual evolution. From physical shares, to handwritten demat transfer slips, to today’s digital on-boarding and transacting; from pit trading at the BSE to today’s high-frequency black box trading.
December 25, 2022
WealthTech 2.0 – A solution that India’s working professionals need.
India’s WealthTech industry is estimated to breach the 63 billion USD mark by FY25, up from 20 billion USD in FY20. The total number of demat accounts in India surged almost 2.5 times to 89.6 million over the last four years, with the addition of 34.5 million accounts in FY22 alone- and this trend is expected to continue, backed by increasing financial literacy & digitization.
June 10, 2022
Reimagining Real Estate: Measuring the Unmeasured
‘Recent Mint’ series called “Guru Portfolio” has fund managers talking about their personal investment strategy. They talk about the allocation and the returns earned across various asset classes in their portfolio.However, when asked about the performance of their Real Estate allocation, most responded with an honest and unfortunate “NA”.
June 2, 2022
New-age Real Estate Investment alternatives, made accessible by WealthTech
‘’Real estate is a critical sector both from an economic & social point of view. Various estimates (Census of India, MoSPI, RBI & NHB) peg the annual housing demand (rural + urban) at 10MM+ homes per annum, driven by long-term demographics trends, urbanization and nuclearization. The sector being a capital guzzler, in our estimate, the capital need for the housing sector alone will be $100bn over the next 7-10 years.
March 23, 2022
Money Management An Emphasis on Policy Making
‘Money’ is a term familiar to us as currency prevailing in an area and has a physical form which varies over the geography of the world and has been linked to different nationally prevailing forms by international financial institutions like IMF and WTO facilitating trade and common exchange platforms there-by creating balance.
March 23, 2022
A Case Study on Impact of Social Media platform for Banks in promoting different banking products
Purpose/Objectivity: The present study focuses on to analyze the penetration of different products- RD, FD, Insurance, mutual funds, credit & debit cards, demat account and how it impacts in saving and investment decision of potential customers and to identify the factors which influence the investor’s decision and to identify the preferred investment option.
March 14, 2022
Sunny days ahead for India’s Banking Sector
There is a quote attributed to Lenin (founder of erstwhile USSR) that “there are decades when nothing happens and then there are weeks when decades happen.” The quote seems apt as we hover around uncertainties in input price inflation, exchange rates and the global supply chain crisis being triggered yet again.
March 3 2022
Foreign Exchange Hedging – Changing Dynamics
01st September 2020, marked a special day for Indian Financial Market specially for those who follow Foreign Exchange (FX) markets. The Reserve Bank of India (RBI)
March 3 2022
LIBOR Transition – A Quick take
LIBOR stands for London Interbank Offered Rate and is published by the Intercontinental Exchange (ICE) Benchmark Association, UK. It is currently the accepted key benchmark interest rate for borrowing between banks in the international market.
March 14 2022
What Marketers Should do in this Covid-19 pandemic Introduction:
During this time of pandemic as a company’s meet-and-greet function, marketing’s most important job is to recognize, capture with and convert customers into valuable strength that create long-term cash streams. Marketers have had to re-examine
March 14 2022
Sunny days ahead for India’s Banking Sector
There is a quote attributed to Lenin (founder of erstwhile USSR) that “there are decades when nothing happens and then there are weeks when decades happen.” The quote seems apt as we hover around uncertainties in
March 23 2022
A Case Study on Impact of Social Media platform for Banks in promoting different banking products
Purpose/Objectivity: The present study focuses on to analyze the penetration of different products- RD, FD, Insurance, mutual funds, credit & debit cards, demat account and how it impacts in saving and investment decision of potential
23 March 2022
Money Management An Emphasis on Policy Making
‘Money’ is a term familiar to us as currency prevailing in an area and has a physical form which varies over the geography of the world and has been linked to different nationally prevailing forms by international financial institutions
30 Oct 2020
Why Consider Medical Office Buildings as an Investment?
Think about your doctor, your local radiology or pathology laboratory, or even your dentist.
How often have they moved in the last 10 years?
August 13, 2019
Mainstreaming of Alternative Investments in Tier II cities
The topic of Alternative Investments and particularly in Tier II reminds me of words of Mr. Vivek Pandit of McKinsey – “once underestimated – now underserved”.
August 13, 2019
Understanding the startup-investor fit
It is now a well-known fact that India is the third largest Startup nation in the world.
August 13, 2019
The Science and Art of Equity Investing
Behavioural bias is one of the biggest challenges in running a sustainably successful investment operation.
August 13, 2019
The Long and Short of Long-Short Funds
Hedge funds are a recent addition to the Indian alternative investment landscape, when the SEBI Alternative Investment Fund (AIF) Regulations were notified in 2012.
December 30, 2019
Asset allocation: The key to winning your financial worldcup
What is your world cup in life? Financially what is your goal?
To achieve any worthwhile goal, a team is needed as in cricket. Similarly different asset classes like different category of players help build the momentum.
Make Choices And Strive To Give It Your Best
This resonates with my journey. My mother had to make a choice while I was studying which choice shaped my career. I had just joined articleship for the chartered accountancy course when my father passed away. The bank in which my father worked had an excellent policy, which offered a job to the kin of the person who dies while in services.
Learn how to Power your Personal Growth
The wealth management sector is growing at a rapid rate. This growth offers excellent career opportunities for women – in fact, there has never been a better time to be a woman in the industry.