Articles

To unlock India’s potential as a global financial powerhouse, out-dated capital market regulations must evolve in step with digital innovation, investor behaviour, and cyber security challenges. Indian capital markets have undergone revolutionary transformation since liberalisation of the economy in 1991. The post-liberalisation period’s digital revolution redefined the financial landscape, as technology-enabled models of stockbroking and… Read more: Modernizing Capital Market Regulations: A Blueprint for India’s Digital Financial Future

CBDCs can reshape India’s financial landscape by enhancing inclusion, transparency, and efficiency—if built on trust, innovation, and strong policy safeguards. India is on the threshold of a new age of finance with Central Bank Digital Currencies (CBDCs)—state-backed digital currencies that hold the potential to revolutionize the way we save, spend, and make payments. While crypto… Read more: India’s CBDC Revolution: Building A Trusted, Inclusive and Resilient Digital Currency Ecosystem

Introduction: The Rise of “The Algorithmic Sentinel” in Banking As the digital transformation of the banking sector accelerates, Artificial Intelligence (AI) has emerged as a transformative force—both a powerful defense mechanism and a potential vulnerability. AI in banking cybersecurity is reshaping how financial institutions detect threats, respond to attacks, and manage risks. But along with… Read more: AI in Banking Cybersecurity: A Double-Edged Sword of Innovation and Risk

In the financial year 2024, India recorded an astounding 164 billion digital payments—a number that makes me pause and marvel at how far we’ve come. For someone who’s witnessed the banking transformation in India, this milestone isn’t just a statistic; it’s a reflection of a nation embracing change with open arms. From pioneering the Unified… Read more: India’s Digital Payment Revolution: Trends Redefining the Future

Your credit score is a powerful financial tool that can shape your financial future and a good credit score can open relevant doors. Building a strong credit score is a gradual process that requires discipline and financial responsibility Sethurathnam Ravi The average credit score for Indians last year was 715 as per a credit monitoring… Read more: Guide To Building And Understanding Your Credit Score

REs shall facilitate the easy administration of IT and cyber governance and compliance, in place of the prevalent multiple circulars The new comprehensive master direction on information technology governance, risk, controls and assurance practices to be implemented by Regulated entities (REs) comprising of scheduled commercial banks (excluding regional rural banks); small finance banks; payments banks;… Read more: RBI Mandates IT Services Framework For REs

The growth and development of a nation are continuous processes, and the aim is to make India a developed nation in the next 20-25 years The coming 30th May will see the completion of nine years of the Modi-led NDA government. PM Modi and his team have taken multifarious strides to enhance governance, financial inclusion,… Read more: Modi@9: Decoding PM’s Contribution To India’s Growth Story

The role of the CFO in the organization is changing and transforming. The new global order, regulatory challenges, advent of tech and fluctuating financial cycles in the 21st century and the current decade, in particular, are transforming the definition of CFO from Chief Financial Officer to Chief Futuristic Officer Sethurathnam Ravi – former chairman of… Read more: CFO – From ‘Finance’ To ‘Futuristic’

This budget has something for all sections even as it walks the path of fiscal consolidation The focus of the budget 2023 is pro-growth. It has a long-term vision. It has also been described as an “Amrit Kaal” Budget. The Budget allows free cash availability and pushes employment generation which will give an impetus to… Read more: Union Budget 2023-24 Has A Long-Term Vision

The 2023 Budget is the last full-year budget before the general elections in 2024. The Indian government has a challenge on hand: with global recession knocking at our doors, global GDP growth is expected to slow down to 2.7% in 2023, and not to forget our own fiscal deficit which is projected to be 6.4%… Read more: Few key recommendations for personal taxes that Budget 2023 should consider

The fraudsters succeed on account of customer’s need for rewards or better returns, increased spending limits, saving while spending and most importantly, carelessness as we seem to have forgotten what our elders taught us that Never Trust Strangers and Greed causes great Disaster. The advancement of technology, increased usage of digital platforms and mobile becoming… Read more: Customer To Remember Mantra “Never Trust A Stranger” To Avoid Getting Defrauded

RBI has recently launched a pilot for its digital rupee – a first step towards CBDC. However, there is a way to go before a full acceptance and leveraging of the blockchain ecosystem is achieved. This is a once in a generation opportunity for India to be a world leader, and the question is whether… Read more: RBI CBDC – An Opportunity For The Future

It was a proposal made in October 2021 by the RBI to the government, which set India on the path of becoming one of the largest economies in the world to use a CBDC (Central Bank Digital Currency). The central bank had recommended that the RBI Act, 1934, be amended to broaden the ‘banknote’ definition… Read more: Impact of CBDC on the financial system and economy of India

The government believed that a streamlined tax system and a single market would increase operational effectiveness, particularly for MSMEs According to the Ministry of Micro, Small, and Medium Enterprises, there were more than 7.9 million MSMEs in India as of March 27, 2022. These enterprises account for more than 29 per cent of the GDP… Read more: How Govt Can Ease GST-Related Complications To Facilitate Business For MSMEs – Sethurathnam Ravi

Fintech, like most emerging technologies, and as one of the key verticals in the startup ecosystem, can be a game changer for India The world over fintech has been designed to be innovators and technology leaders. However in India as with all innovation, fintech has been viewed as a dated system and a historic roadblock… Read more: Fintech Needs Regulation – But With A Dash Of Futuristic Thinking

By S. Ravi, Former Chairman of BSE Fraud applications have been a menace to many users who have lost money unknowingly. They are fake applications that are mirrors of legitimate applications available on the market. Fraudsters and scammers create applications to induce people to use them. These applications could be similar to popular applications to… Read more: How to protect yourself from fraudulent app scams

The world is witnessing innovation and evolution in the financial sector at a pace never seen before – and it is being driven by fintech. India is one of the leading frontiers in this. Among all domains, banking and financial services have always been at the cutting edge of adopting technology – even as regulations… Read more: Next Big Thing In The Future Of Finance – Fintech Revolution

All financial products come with a statutory warning to read while buying them. For IPOs, the buyer should read the prospectus that discloses the risks associated with the company before deciding to invest. It is raining IPOs, with over three dozen companies accessing the primary market for raising funds in this financial year. The interest… Read more: Raining IPOs: What Investors Want?

It is a homecoming for Tatas, and for the Government, for whom disinvestment is one of the core agendas, disinvestment of Air India would be a catalyst in the process. The story of the Air India coming back to the Tatas has been the flavour of the season. It is an action precipitated by the… Read more: The Air India Homecoming. And The Road Ahead

Investors can also look at global indices; overseas index funds can provide good opportunity for investors. Investors must certainly evaluate the return given by domestic indices as compared to foreign indices. The investor may also decide to diversity to mitigate risks. Investments can be made in foreign stocks adopting various methods like fund of funds,… Read more: How To Invest In Foreign Stocks

“Climate change is no longer a far off problem: it is happening here, it is happening now.” – Barack Obama We have reached a pivotal point in our lives where we have just a few moments to choose our present day toxic comfort or a healthier future for our children & Mother Earth. Doomsday is… Read more: We are Killing our Future

India and her potentials in development and progress are neither new nor a recent discovery. It is a country of 1.37 billion people with a GDP of $2.94 trillion, revenues worth US $550 billion and 527 million labour forces. What is important is to introspect into our growth story and the realities that we as… Read more: Introspection into the Health of our Economy