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The Telecom 'Voice' Story

The telecom story in India is all about data. Since the launch of Jio and largely because of the disruption caused by Jio (and the introduction of 4G), dat...

Jan. 10, 2022


The Rise Of Qr Codes

UPI has been the single biggest contributor to the Payments revolution in the country. From being non-existent 5 years back, UPI now accounts for 15% of Re...

Aug. 16, 2021

Third Covid Wave In The Uk And Vaccines

The UK is in the midst of the third wave of Covid19 pandemic. Daily new cases are at 50% of the second wave. But fatalities have not risen in s...

July 14, 2021

The Fall Of Fixed Term Plans

Once upon a time Fixed Term Plans were very popular. They combined the best of both worlds - almost guaranteed returns and tax arbitrage. But then thin...

July 13, 2021

Operational Creditors Have Been The Biggest Users Of Ibc

The Insolvency and Bankruptcy Code (IBC) was enacted to provide a structured legal framework for resolving corporate bankruptcies in the country. The cod...

July 12, 2021

House Price Growth Remains Modest In 4qfy21

House prices grew on average by just 3% YoY in the first quarter of this year in the 10 major cities of India. They declined in 4 out of the 8 ...

July 1, 2021

The Rise Of Fixed-Line Telecom Services

Work from Home during the pandemic & rise of streaming services has meant that after years of consistent decline, Fixed line telephone services saw n...

June 25, 2021

Overseas Remittances By Indians Declines Sharply In Fy21

Outward remittances from India had increased over 15x (yes, more than 15 times) since FY14 reaching almost US$19bn in FY20. But they dropped by a third i...

June 17, 2021

Fdi Jumps In India In 2020 Even As Most Countries See A Sharp Decline

Most large countries saw FDI decline sharply in 2020. India and China were the key exceptions. FDI in India (excl repatriation) grew over 25%, the fastes...

June 9, 2021

The Rise In Government Borrowings

The Covid19 pandemic has had a severe impact on Govt finances. On one hand revenues have shrunk & on the other there is pressure to maintai...

June 8, 2021

Demonetisation By Stealth

The demonetisation of 2016 introduced the ₹2000 currency note. And ever since there has been talk of a second demonetisation that takes away this high deno...

May 28, 2021

Kerosene Consumption Falls 80% In The Last Decade

India's Kerosene consumption has fallen 80% in the past decade. The fall has been especially sharp in the last 5-6 years when the Government started to gra...

May 25, 2021

Whose Interest Rates Were Moved?

With the Covid19 pandemic impacting the economy, the RBI doubled down on easing monetary policy to support growth. It cut the repo rate by 115bps and the r...

May 17, 2021

Nrega Demand Spikes

The number of people demanding work under NREGA doubled YoY in April-2021, the sharpest growth since Feb-2016. However work provided under NREGA has not ke...

May 12, 2021

Are Women Getting More Credit?

Just ~20% of Personal Loans given by Banks to Individuals are to Women. But at the margin that is changing. In the last 5 years, Personal Loans to Women ha...

May 11, 2021

Highway Upgradation Grows 30% In Pandemic Hit Fy21 (Till Feb)

Economic activity has been badly impacted in FY21 due to the Covid19 Pandemic through a combination of lockdowns, issues with labour availability and budge...

May 10, 2021

Urban Consumers Are Still Struggling

Economic activity has recovered sharply from the pandemic lows - GDP growth which had fallen 25% in the June quarter grew modestly in the December quarte...

March 10, 2021

What Happens When Fewer Trains Run On The Railway Network?

Indian Railways are inefficient. But why is it inefficient - is it the lack of investment in infrastructure like wagons and locomotives OR is it the lack o...

Feb. 19, 2021

Do Ultra-Low Interest Rates Distort Asset Prices?

It is often insinuated that abnormally low nominal interest rates distort asset prices. This inturn drives mis pricing of assets and undue risk taking. And...

Feb. 17, 2021

Is The Economy Seeing A Sharper Than Expected Recovery?

Is the Indian economy recovering? Is the impact of Covid on the economy likely to be lower than earlier anticipated? Well, the answer to a large extent, de...

Feb. 9, 2021

The Remarkable Transformation Of India's Ports

Once upon a time, India's ports were inefficient and had no capacity left. The last decade or so has seen a dramatic change - capacity has increased more t...

Dec. 8, 2020
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