Articles Archives – Sethurathnam Ravi (S Ravi)

How MSMEs and SMEs can endure a tough economy

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Having spent decades working across India’s financial, corporate, and governance landscape, I have witnessed economic cycles of both expansion and contraction. One lesson remains constant: businesses that survive difficult periods are rarely the largest or the strongest—they are often the most disciplined and adaptable. India’s micro, small and medium enterprises (MSME) and small and medium […]

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Investment Strategies For A Volatile Market

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There are phases in financial markets when uncertainty is not just visible—it becomes systemic. It permeates asset classes, distorts traditional correlations, and erodes the reliability of signals investors have historically depended on. The present environment carries many of these characteristics. Commodities such as gold and oil, which typically serve as stabilising references during periods of

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CBDC and UPI: Why India’s payment revolution depends on the coexistence of both digital systems

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By 2026, India’s financial landscape will thrive on the synergy between UPI and CBDC. UPI offers seamless bank-to-bank transfers, the Digital Rupee provides resilient, programmable offline cash.It’s a typical morning in 2026. You stop by your neighborhood tea stall, scan a QR code, and pay instantly using UPI. A few hours later, you receive a

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A Vision Of Strength: Key Milestones Under The Third Term

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At 75, Prime Minister Modi’s leadership reflects structural reforms, global ambition, and a drive to deliver inclusive growth Wishing the Prime Minister good health and every success on his 75th birthday. It is a remarkable achievement to serve a third term as Prime Minister, presiding over a stable and successful government. From the outset of

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Protecting Your Portfolio: Why Gold ETFs Are a Smart Inflation Hedge

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By Sethurathnam Ravi In today’s uncertain financial landscape, Gold Exchange-Traded Funds (Gold ETFs) are emerging as one of the smartest ways to hedge against inflation and market volatility. These investment tools combine the timeless appeal of gold with the convenience of modern financial platforms—making them a compelling addition to any portfolio. Gold ETFs: A Modern

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Make in India: PLI schemes & infra development powering growth in electronics sector

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Recognizing the importance of a strong components ecosystem, the government notified the ECMS with a budget of ₹23,000 crore. This scheme aims to boost the domestic manufacturing of passive electronic components, sub-assemblies, and capital equipment for electronics production. The Indian government has been actively promoting the growth of domestic electronics manufacturing through various strategic initiatives.

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Modernizing Capital Market Regulations: A Blueprint for India’s Digital Financial Future

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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

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India’s CBDC Revolution: Building A Trusted, Inclusive and Resilient Digital Currency Ecosystem

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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

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AI in Banking Cybersecurity: A Double-Edged Sword of Innovation and Risk

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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

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India’s Digital Payment Revolution: Trends Redefining the Future

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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

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