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Shobhana Subramanian

Articles By Shobhana Subramanian

197 Articles

Govt must borrow for infra and spend to revive the economy

Without a near-term spending of Rs 4-5 lakh crore, it is going to be difficult to even reboot the economy

narendra modi, prime minister, banks, NBFC

Rural rebound some time away

Farm growth outlook is quite promising, but rural wages are likely to remain depressed, and consequently, demand too

The benefit isn’t quite mutual: Investors must accept MFs are risky products

Given less than ordinary returns for most of the decade, investors would be justified in feeling let down

The average returns from large cap schemes too have been negative for the past year, flat over two years and a positive 3.36% over three years.

‘Green shoots’ of economic recovery visible? Why it is premature to talk about it

Of course, economic activity is up, but it can fall as more cities lock down; and don’t ignore structural problems.

Right now, though the pace of recovery isn’t exciting enough to warrant any cheer.

India Inc must reform, raise capital

Without stronger balance sheets, firms will perish in this harsh environment; board, group structure reforms will attract investors.

Covid-19: For movies, OTT is rewriting the script

Theatres face a grim future in the post-Covid world; OTTs may be paying top dollar now, but producers could soon favour them

Uday Kotak tells India Inc what to do to tide over Covid crisis

Given promoters’ ability to infuse fresh capital remains limited, firms must raise money from institutions and do so well before their very survival is at stake, Kotak says.

The CII chief says India Inc must shun excessive obsession with short-term growth pangs and look at raising capital to tide over the pandemic and reap medium-term gains.

Covid crisis: Boost banks’ equity bases and get them to lend; else economy will sink further

Boost banks’ equity bases and get them to lend; else the economy will sink further

The unfortunate truth is that until companies are back on their feet, the economy is going nowhere; a 5% contraction in FY21 could well spillover into FY22 as well.

On a crash course

Banks will be hurt as defaults rise in a weakening economy; it is the start of NPA 2.0

Good liquidity-fix, wait for reforms: Helping MSMEs critical, but without collateral, chances of default higher

Given how they have been reluctant to lend to the weaker NBFCs and MFIs, the 20% partial guarantee scheme, for a targeted amount of Rs 45,000 crore, might be slow to take off, unless RBI offers some kind of forbearance.

Covid lockdown: Help states beat budget constraints

Intro: States’ revenues, including central devolution, will contract; Centre must help them out or let RBI come up with a solution

RBI unleashes liquidity, but no easy relief for NBFCs, MSMEs

RBI pumps in more liquidity, but, wary of credit-worthiness of these borrowers, banks may not just lend.

So, it is surprising that RBI has extended the timeline for making an extra 20% provision for a stressed account that hasn’t been resolved from 210 to 300 days.

COVID-19 aftermath: Get real about bailing out realtors

Most developers don’t deserve the consideration on loans they are pleading for; they squandered sops given earlier.

Coronavirus relief: Will RBI bazooka force banks to lend?

Banks now have enough resources, but may yet stay risk-averse, lending only to the best businesses.

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Coronavirus relief package: Too small a package, not enough cash

If needed, the govt should print money to support the vulnerable, especially the urban poor; but, banks must be protected at any cost

Spend money to save the poor: Why a rate cut is of no use

A rate cut is of no use, spend on infra etc that gives the poor jobs; give forbearance to MSMEs as they are hurting.

cash, Analysts noted that SaaS and cross-sector technologies are the most attractive opportunities in the next three to five years.inflow

Growth outlook: Crude crash could boost growth, but corona crisis will take it away

India’s economy today is weaker than it has been during previous crises even if a few of the macro indicators — mainly forex reserves, CAD and inflation — are more robust.

Yes Bank crisis: We failed to spot this one also

For all the criticism of the public sector and rants about its inefficiency, much of private sector hasn’t exactly covered itself with glory; integrity levels in the private sector, it would appear, are far more questionabl

Bland reassurances won’t fix lending, bankers need to be convinced they won’t be targeted

Apart from bankers not wanting to lend, the other issue—if banks loans are to rise—is about the ability of the borrowers to repay loans.

RBI wanted the core banking system of banks to be integrated with the Swift messaging network used by banks to securely send and receive information like money transfer instructions.

Lenders scared, business more so: Bankers must be protected from action against bona fide decisions that go wrong

If the state of credit markets is any indication, this slowdown is going to drag on for a long, long time. At the peak of what is typically India’s busy season, the pace of loans given is hitting new lows; the growth in non

credit, credit flow

Digital loans: It’s a UPI moment for India’s credit market

The infrastructure would enable lenders of all hues — banks, NBFCs and fintechs — to disburse loans.

Digi loans, UPI moment, credit market, NBFCs, MSME vendors, GSTN, Nirmala Sitharaman

RBI governor does a Draghi, prods bank to lend

Gives banks access to funds at a lower rate, but banks may not find it easy to lend as credit-worthy borrowers limited

RBI governor, Shaktikanta Das, Reserve Bank of India, retail inflation, MSME loans, CRR, LTRO, GDP

Budget 2020: Where will India Inc find the money?

Union Budget 2020 India: Even if it wanted to invest—which it may not, given poor demand—there is no money to fund this from

Nirmala Sitharaman, India Inc, NBFC, NPA cycle, Crisil, share of GDP, corporate loan books, FPI

Economic Survey 2020 busts govt myths, will it help?

Economic Survey 2020: Survey talks of an “Assemble in India for the world” programme that could be integrated with the Make in India plan to create jobs—40 million well-paying ones by 2025.

Budget 2020, Union Budget 2020 India

Why real estate needs a buy-in, else the economy could tank further

Little has been heard so far about the progress of the corpus created to provide last-mile funding for housing projects.

The only way to drive consumption is to push real estate. (Representative image)

Economic slowdown: Tough times call for tough measures, here’s what govt needs to do now

Loan growth is at multi-year lows, demand for power has now fallen five months in a row, car sales continue to crawl, rural wages are barely rising and consumer confidence is shaken.

economy, economic slowdown

Economic slowdown: Enough of advice, govt needs to decide if it will act now

Asking for more advice is fine, but the govt needs to decide if it will act now, or will it remain hobbled by suit-boot-ki-sarkar

Economic slowdown, Rahul Bajaj, India Inc, Kumarmangalam Birla, FDI inflows, Lakshmi Mittal, GDP, e-commerce, essar steel
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