Will Bandhan buy out of Gruh make sense?


Was Gruh buyout a desperate attempt to resolve the shareholding non compliance flag raised by RBI? Very recently (Oct 2018), RBI had restricted Bandhan from opening any further branches and had also put an hold to CEO salary for failing to bring down the owner (NOFHC) shareholding to 40% (currently…

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Peer to Peer (P2P) Lending; Salient points from RBI Final Guidelines


RBI released the final set of guidelines for P2P players. This is extremely welcome move and will bring in credibility to this sector. That augurs well for all the participants, including the NBFCs and the borrowers/ lenders accessing these platforms. We had highlighted earlier in our article (India Fintech P2P…

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IDFC Shriram Capital Merger: Opportunities & Challenges


The IDFC Shriram merger has the potential to catapult the IDFC from being a baby bank to a mid-sector bank but the rational for Shriram capital is not very clear. Shriram capital is one of the best names in NBFC sector and is larger than IDFC bank but what may…

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India Fintech P2P Lending: Will Regulation Constrain or Spur Innovation?


Regulation is mostly said to have a throttling effect on innovation while innovation is the foundation stone for the peer2peer lending story in India. With nearing 1 billion INR in loan disbursed, 15-20 odd fintech players making their presence felt and thousands of borrowers/ lenders gaining from this ecosystem, it…

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