Over reliance on credit rating: How Banks constrain SME Lending

Banks are flush with liquidity, but still grappling with twin issues – where to deploy the money and how to source the right credit which meets the stringent criterion. Is the straight jacket approach of the bankers and high reliance on credit rating constraining SME lending? Sumit Kakkar shares his perspective

cheque bounce

Decriminalisation of Cheque Bounces : Pros and Cons

In order to improve ease of doing business in India, Ministry of Finance issued a notification inviting suggestions on decriminalisation of around 39 sections which contain minor offences under 19 different Acts, including decriminalising Cheque bounces under NI Act
Vimee Sharma evaluates the pros and cons


Deciphering the Bank ROA enigma

ROA, PCR and NIM are first point of call for the investors to assess the profitability, efficiency and premium on Bank valuations. But there is more to the high ROAs than meets the eye. Sumit Kakkar deciphers the enigma


Digital Lending: The missing piece of puzzle

The recent RBI notification, seems to be nudging Digital Lenders to be more transparent. But a pertinent question to ask may be ‘Who are these digital lenders that RBI wants to regulate?’ Amit Balooni evaluates the missing pieces


Breaking the Agri Barriers

The Farmers Produce Trade and Commerce Ordinance, 2020, is a key ecosystem change and opens up opportunities within Indian agri and lays the ground for new age agri-startups. Amit Balooni evaluates