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Category: Economy

  • Resilient Markets and India’s Growth Outlook Frame High Level Dialogue Hosted by BSE

    Chief Economic Adviser Dr. V. Anantha Nageswaran, Motilal Oswal Chairman Mr. Raamdeo Agrawal, BSE CEO Mr. Sundararaman Ramamurthy outline macro strength, capital market depth and investor confidence

    BSE Ltd hosted a session titled “Resilient Markets, Growing India: The Road Ahead for 2026 and Beyond” in the national capital, bringing together senior policymakers and market leaders to discuss India’s economic outlook and the role of capital markets in the years ahead.
    The session featured a keynote address by Dr. V. Anantha Nageswaran, Chief Economic Adviser to the Government of India, and a special address by Mr. Raamdeo Agrawal, Chairman and Co-founder of Motilal Oswal Financial Services Ltd. Mr. Sundararaman Ramamurthy, Managing Director and Chief Executive Officer of BSE Ltd, delivered the welcome address at the event.

    The dialogue focused on India’s economic resilience, the continued deepening of capital markets and the prevailing optimism among investors as the country approaches 2026. Speakers reflected on the structural and policy factors that have supported growth amid a complex global environment.
    Addressing macroeconomic prospects, Dr. V. Anantha Nageswaran highlighted India’s strong fundamentals and growth trajectory despite uncertainties surrounding global trade tariffs. He said that India remains a bright spot amid global uncertainty, citing a growth rate of around 6.5 percent, improving fiscal health, strong domestic demand and structural reforms that have contributed to resilience. He added that the economy is positioned for sustained growth by leveraging technology, infrastructure development and demographic advantages.

    Sharing his perspective on capital markets, Mr. Raamdeo Agrawal spoke about India entering a multi-trillion-dollar growth phase in which both the economy and equity markets are expected to compound over time. He pointed to rising household financial assets, deeper market participation and strong institutions as factors contributing to the development of a robust capital market ecosystem. According to him, disciplined participation will be key for investors as India’s growth story unfolds.
    Highlighting the role of policy and institutions, Mr. Sundararaman Ramamurthy spoke about the resilience shown by India’s economy amid global challenges. He said progressive government measures have strengthened economic fundamentals and boosted confidence. Capital markets, he noted, continue to serve as a pillar of long-term wealth creation, supported by proactive and collaborative actions by the regulator to ensure transparency and stability.

    Mr. Ramamurthy added that as India progresses towards the goal of Viksit Bharat, deep reforms, strong domestic participation and technology will play a central role in enabling inclusive and sustainable growth. He reaffirmed BSE’s commitment to facilitating capital formation in a sustainable and innovative manner.
    The session concluded with a shared view that India’s economic resilience and evolving capital markets position the country as a high-potential economy. The discussions underscored the importance of capital markets in supporting long-term growth and fostering investor confidence in the years ahead.
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  • Crypto Markets Regain Footing After Selloff, But Traders Still Hedge Cautiously: Bybit Report

    With BTC above $93K and ETH past $3K, reduced downside fear and BAT’s breakout rally suggest improving sentiment, but macro caution prevails.

    Global crypto markets are showing early signs of a rebound after a sharp selloff earlier this month, according to the latest Crypto Derivatives Analytics Report by Bybit, the world’s second-largest crypto exchange by trading volume, in partnership with derivatives analytics firm Block Scholes.
    While Bitcoin crossed the $93,000 mark and Ethereum reclaimed the $3,000 psychological level, traders continue to approach the recovery with caution. The sharp correction on December 1, triggered by hawkish tones from the Bank of Japan, shook investor sentiment just as optimism had begun returning to the markets. Despite positive developments such as Vanguard opening its platform for crypto ETF and mutual fund trading, derivatives data indicates that traders are still operating defensively.

    Han Tan, Chief Market Analyst at Bybit Learn, noted that “cryptocurrencies have been buffeted by multiple crosswinds, from shifting expectations surrounding major central bank policies, to mounting concerns over the viability of DATs. Major crypto prices are likely to remain beholden to macro forces over the immediate term, especially with the pivotal Fed rate decision looming, even as the crypto world attempts to shake off the ghosts of the October 10 liquidation event.”
    The report identifies several signals that reflect improving, yet tentative, market sentiment. Notably, options traders have significantly reduced their bearish positioning. Put-call skew premiums, a key measure of downside protection demand, fell from 10 to 13 percentage points earlier this month to just 2 to 4 percentage points. This shift implies that traders are now pricing crash protection with much lower premiums than just a week ago.

    Meanwhile, leverage activity remains muted. Open interest in perpetual futures has risen modestly alongside the rebound, but continues to lag behind levels seen before the October 10 crash. The absence of liquidation cascades during recent selloffs signals a healthier risk environment, suggesting that the market is no longer overly leveraged.
    Block Scholes’ proprietary Risk Appetite Index reflects this nuanced stance. Although sentiment has tilted more positive, the index indicates that traders have not turned decisively bullish. This aligns with the reality that major assets like Bitcoin and Ethereum still trade far below their all-time highs. The index measures euphoria above one and panic below minus one, with directional movement correlating closely to actual spot returns.

    One standout from the report is the Basic Attention Token (BAT), which has surged over 100 percent since October 11 to approximately $0.27. BAT, which fuels the Brave browser’s privacy-focused advertising model, has significantly outperformed broader altcoin peers and contributed to social tokens becoming the second-best performing sector over the past month, just behind privacy coins.
    The latest findings suggest that while the worst of the recent volatility may be over, cautious optimism rather than euphoria is guiding market behavior. As the industry watches key macroeconomic signals including the upcoming U.S. Federal Reserve decision, sentiment will likely remain data-driven and reactive.
    For a more comprehensive breakdown of these market dynamics, the full Bybit x Block Scholes report is available for download.

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  • PFRDA’s Shri S. Ramann Calls for Pension-Led Capital Reforms at IVCA Forum 2025

    In a strategic dialogue with TVS Capital’s Gopal Srinivasan, Shri Ramann outlined how India’s long-term growth depends on well-governed AIFs, credible selection frameworks, and broader participation of retirement funds in private markets

    The Indian Venture and Alternate Capital Association (IVCA) hosted its Domestic Institutional Investors (DII) and Exits Forum 2025 in New Delhi, bringing together leading voices from policy, investment, and regulatory sectors. The forum focused on mobilising Indian institutional capital and strengthening long-term domestic investment strategies.
    A central voice at the event was Shri Sivasubramanian Ramann, Chairperson of the Pension Fund Regulatory and Development Authority (PFRDA), who addressed the role of pension capital in shaping India’s financial future. His participation included the formal report launch and a fireside chat with Gopal Srinivasan, Chairman and Managing Director of TVS Capital Funds, on the theme “Enabling Patient Capital: The Pension Fund Perspective on India’s Growth Story.”

    Speaking to a hall of policymakers and asset managers, Shri Ramann outlined the critical need for structured pension participation in private markets. “India’s next phase of capital formation must be built on strong domestic pools of patient capital,” he said. “Pension assets, by design, are long term and stable. Our effort at PFRDA is to create a framework that allows these funds to participate meaningfully in India’s private market growth.”
    Shri Ramann detailed the development of a centralised and transparent fund-of-funds platform under the National Pension System (NPS) to evaluate and select AIFs with both rigour and accountability. He emphasised that trust in governance, not just returns, will determine the pace and breadth of participation by pension and retirement assets.

    “We fully recognise that risk capital comes with cycles. But a well-diversified AIF portfolio, backed by robust oversight and long-term horizons, can still deliver outcomes that are beneficial for subscribers,” he said. He also highlighted the limitations of traditional seven to ten-year fund structures. India must embrace longer-tenor and perpetual vehicles that reflect the nature of retirement savings.
    The forum took place against the backdrop of sharp growth in AIF participation. The joint IVCA–360 ONE CRISIL report, titled Unlocking Domestic Capital: Key to India’s AIF Growth, 2025, showed commitments to AIFs rising from ₹0.84 lakh crore in 2017 to ₹13.49 lakh crore in 2025. However, domestic institutional investor participation continues to lag global benchmarks, underscoring the need for more enabling regulation and improved exit pathways.

    Shri Ramann called for a shared focus on aligning incentives, enhancing selection transparency, and establishing credible long-term frameworks that can deepen domestic capital’s footprint in India’s private market space. “If India is to unlock the full power of domestic institutional investors, we must align incentives, deepen trust through process excellence, and enable wider participation from pension, insurance, and retirement assets,” he said.
    The IVCA DII & Exits Forum 2025 served as a timely reminder of the opportunity that lies ahead. As India seeks to become a global hub for innovation and capital formation, patient domestic capital, led by pensions and governed by strong frameworks, could prove to be the bedrock of its economic future.
    At Prittle Prattle News, we honor your dedication and inventiveness led by showcasing you in a positive light. Under the direction of Editor-in-Chief Smruti Bhalerao, our platform is committed to disseminating powerful narratives that raise awareness and motivate change. For more important stories, follow us on LinkedIn, Instagram, and YouTub

  • The 8.2% Question: Turning Point for India or Temporary High?

    By Rohit Kumar Singh, Ph.D. (Eco), PMP®

    India’s latest GDP release has injected a sense of uplift across policy circles, boardrooms, and markets. An increase of 8.2% in the second quarter of FY26 is not something that can be brushed off. Rather, this rate forces the debate beyond mere tracking. The larger question is this: Does India’s 8.2% growth print mark a structural inflection point or a cyclical peak? The honest answer is that it is a bit of both. With manufacturing reviving, services roaring, and digital payments accelerating, the signals are strong. Yet lurking beneath is the reality of rural-urban divides, external shocks, and fiscal limits. The number is impressive, but does it signal durable transformation?

    What stands out immediately is how broad the momentum appears. Manufacturing has come back in a way that many had stopped expecting, posting 9.1% growth, helped by better capacity use, softer input costs, and a more confident corporate sector. Yet, the October IIP numbers landed with a quieter tone. Manufacturing barely managed 1.8% that month as the extended festive holidays and unusual rainfall patterns disrupted power generation, dragging electricity output down sharply. It is a reminder that one quarter’s strength does not automatically settle the longer-term pattern. The underlying story is improving, but it is not immune to fits and starts.

    Services, meanwhile, continue to be the economy’s most reliable engine. A 9.2% expansion is impressive even by the sector’s own high standards. BFSI has been particularly energetic. Credit growth remains brisk, asset quality is steady, and banks have been lending across retail, MSME, and corporate buckets with more confidence than seen in years.
    Importantly, this financial-services strength now shows up in everyday digital payments as well. According to the latest data, UPI processed over 19 billion transactions in November 2025, with a total value of ₹ 24.58 lakh crore, up from 15.48 billion transactions worth ₹ 21.55 lakh crore in November 2024. That represents a 23% increase in transaction volume and around 14% growth in transaction value on a year-on-year basis.

    This surge in digital payments is more than just statistics: it reflects deeper consumer comfort with electronic payments, growing trust in digital wallets and UPI apps, and more widespread merchant acceptance. These are all signs of formalisation and structural change within the economy.
    Consumption, which for all practical purposes still anchors India’s growth, has had an exceptional run this quarter. The combination of cooling prices, headline inflation at 0.25% and negative food inflation, and a long festival window created unusual buoyancy. Households spent with a level of comfort not seen since before the pandemic shock. Auto showrooms, jewellery retailers, electronics stores, travel portals, everyone had a good quarter. Yet, the caution remains: the revival is heavily tilted towards urban India. Rural demand, though improving, does not yet carry the same confidence. If that gap stays wide, it will eventually show up in the composition of growth.

    Investment numbers look respectable on paper. Gross Fixed Capital Formation rose by 7.3%, with public capital spending exceeding 32% in the first seven months of the year. Spending on roads, railways, airports, renewable energy, and urban infrastructure can all take credit. However, despite this background, there is still a limit beyond which one draws little satisfaction. With revenue growth below expectations, particularly with fiscal goals approaching, the government simply cannot spend this much on capital. A slowdown in the second half is likely. Private investment is showing early signs of warming, but it is still too sensitive to global volatility, tariff disruptions, and financing conditions to call it a cycle turning point.
    The strain on the external side is more difficult to gloss over. U.S. tariff hikes, some as steep as 50%, have knocked the wind out of several export categories. Textiles, engineering goods, pharmaceuticals, auto components, gems and jewellery, all have suffered. India’s exports to the U.S. fell sharply between May and October. Services exports have held firm, and in some pockets even grown, but they cannot fully carry the weight of the merchandise slump. The trade numbers are not catastrophic, but they do expose how dependent India still is on a narrow mix of markets and product lines.

    There are also the usual macro pressures: a rupee hovering around ₹90, unpredictable commodity prices, capital outflows that still have not stabilised, and global financial conditions that remain tight. These may not make headlines every day, but they shape the economic mood more than quarterly GDP prints do.
    Monetary policy now sits in a delicate space. With inflation at record lows, the Reserve Bank of India (RBI) has the room to cut rates, and the market is almost positioned for it. But the narrowing gap between credit growth and deposit growth complicates the picture. Banks are lending faster than they can mobilise savings. A hurried or aggressive rate cut could widen this mismatch further. So while the headline inflation numbers look like a green signal, the plumbing of the financial system is flashing amber.

    The fiscal situation faces a similar balancing act. The government has invested heavily in infrastructure, and it has worked. But the deficit target will be difficult to meet without some moderation in spending. A slippage to around 4.5 to 4.6% of GDP is not unmanageable, but it reinforces the need for broader tax reforms, a more predictable GST structure, and a steadier disinvestment schedule.

    So where does that leave India after a headline-grabbing 8.2% quarter?
    In a stronger place than many expected a year ago, but not yet in a place where momentum can be taken for granted. Manufacturing’s revival is real but uneven. Services are steady. Consumption is buoyant but split. Investment is improving but still leaning heavily on the state. Exports are under stress. And the macro environment remains uncertain.
    The number is impressive. But the direction is still being written.
    India has delivered a strong quarter. Endurance will depend on choices made from here.
    At Prittle Prattle News, we honor your dedication and inventiveness led by showcasing you in a positive light. Under the direction of Editor-in-Chief Smruti Bhalerao, our platform is committed to disseminating powerful narratives that raise awareness and motivate change. For more important stories, follow us on LinkedIn, Instagram, and YouTub

  • India Buries the Bargain Only Myth: Diwali 2025 Sales Signal the Rise of Premium First Shoppers

    Anubhav Pandey, Chief Strategy Officer at Consortium Gifts, explains how a ₹6.05 lakh crore festive surge driven by GST reform, influencer culture and easy credit has redefined Indian consumer psychology for good.

    India’s festive season in 2025 marked more than a celebratory surge. It signaled a turning point in how the country shops, as Diwali sales crossed an unprecedented ₹6.05 lakh crore. The conventional wisdom that India is a value-only market has been fundamentally challenged. From gold jewellery to luxury vehicles, and from high-end skincare to smart home decor, the numbers indicate a deeper behavioural shift. A new Indian shopper is emerging, one who seeks premium experiences, not just price-based utility.
    Independent estimates project India’s luxury goods market to reach USD 12.1 billion or approximately ₹1.06 lakh crore by 2025, reflecting how premium is no longer the preserve of a niche elite. On Dhanteras alone, gold and silver purchases accounted for nearly ₹60,000 crore, a 25 percent increase over last year. Passenger vehicle makers also saw festive season surges of 15 to 35 percent year on year. Clearly, it was not just about more spending, but spending differently.

    A key shift was the timing and platform of shopping. This year, millions of Indians began buying earlier and online. Platforms like Amazon India, Flipkart, Nykaa and Tata Cliq reported early spikes in premium categories like beauty, fashion and home accessories. This longer online window allowed shoppers to explore, compare and indulge in aspirational choices. The compressed last-minute rush was replaced by intentional discovery.
    Social media platforms, particularly Instagram and YouTube Shorts, played a powerful role in shaping premium aspirations. Creators across Tier 1 to Tier 3 cities converted festive markets and products into highly visual content. Hashtags like #FestiveHaul and #LuxuryUnboxing drew millions of views. Gifting was no longer just functional; packaging, curation and presentation elevated even mid-range goods into premium experiences. Influencers turned storefronts into showrooms and purchase moments into social status displays.

    A persistent misconception is that only metros like Mumbai, Delhi and Bangalore drive luxury demand. However, festive sales data tells a different story. Tier 2 and 3 cities accounted for a significant portion of premium orders. Silver coin sales and puja articles rose by 35 to 40 percent in cities like Indore, Lucknow and Coimbatore, enabled by better delivery logistics and localised content targeting.
    Payment innovation was another structural driver. Buy Now Pay Later (BNPL) options, zero-cost EMIs and flexible credit enabled first-time premium buyers to justify their purchases. From premium skincare on Purplle to statement furniture on Pepperfry, the ability to pay in instalments converted intent into action. Fintech platforms such as ZestMoney and LazyPay saw significant user uptick during the festive window.
    Underlying this behaviour was a pivotal economic reform. On 22 September 2025, India rolled out GST 2.0, streamlining tax slabs and reducing rates on key consumer durables. The top slabs were simplified to 5 and 18 percent, replacing the earlier 5, 12, 18 and 28 percent structure. This cut GST on small cars, televisions and appliances, making them up to ₹1.3 lakh cheaper. The direct consumption boost is estimated at ₹70,000 crore, with an overall demand impact of ₹1.98 lakh crore. Products that were once aspirational moved into the affordable zone.

    Yet, the definition of premium has evolved. Shoppers no longer equate premium solely with global brands or high prices. They seek ethical sourcing, personalised packaging, experiential service and aesthetic appeal. For example, handcrafted gifting kits from Bare Necessities or recycled-metal decor from Chumbak were perceived as premium not for their cost but for their story.
    Physical markets also adapted. Local stores in cities like Jaipur and Pune invested in decor, lighting and store design to make their spaces more “Instagrammable.” Merchants collaborated with local creators to make short videos, effectively turning markets into content stages. This was not just footfall marketing but emotional experience creation.
    However, this premium boom hides a challenge. Many brands that won big during Diwali might fail to retain these new customers. The festive spike is often transactional. Post-purchase engagement, community building and brand storytelling are critical to transforming one-time buyers into loyalists. Without these, the premium moment risks becoming a one-off blip.

    India’s shoppers are not simply spending more. They are spending smarter, driven by credit access, content exposure and tax-led affordability. Diwali 2025 may be remembered as the festival where the value-first Indian consumer made way for the premium-first mindset. In doing so, the market shifted from asking, “What’s the price?” to “What’s the experience?”
    As gold and silver continue to dominate rituals and investment, and aspirational goods become more accessible, the Indian market is being permanently reshaped. Brands that focus on emotional storytelling, seamless purchase journeys and responsible premium will define the future.
    Prittle Prattle News is proud to feature this insight-rich analysis featuring you virtuously, bringing you closer to the voices shaping India’s evolving economic narrative.
    At Prittle Prattle News, we honor your dedication and inventiveness led by showcasing you in a positive light. Under the direction of Editor-in-Chief Smruti Bhalerao, our platform is committed to disseminating powerful narratives that raise awareness and motivate change. For more important stories, follow us on LinkedIn, Instagram, and YouTube.

  • Building India, Not Just Portfolios: Uday Kotak’s Diwali Outlook for Samvat 2082

    Uday Kotak shares his Diwali message with investors, reflecting on equity markets, corporate responsibility, and the path ahead in Samvat 2082.

    Uday Kotak, Founder and Non-Executive Director of Kotak Mahindra Bank, extended his Diwali greetings to investors and customers of Kotak Securities, accompanied by a focused outlook for Samvat 2082.
    In a video message, Kotak reflected on the year gone by, stating that Samvat 2081 was a challenging year that gave muted returns to equity investors, although he noted that investors had seen satisfying returns over a three-year period.

    Highlighting the ongoing transformation in Indian investing habits, Kotak said the Indian trendline of saver to investor continues at pace, backed by significant flows into mutual funds and equities.
    He emphasized that it is time for Indians to get out of comfort, convenience and complacency zones to build an India that is ready to take on challenges of the future. This message was directed at not just individual investors, but also toward corporate India and market institutions.

    Calling for responsible growth, he urged corporate India to focus on building companies sustainably for the future and to work on improving the earnings of the companies so that investors can continue to invest in the equities market.
    Kotak also addressed brokerage firms, suggesting they should take a medium-term approach towards customers, focusing on fundamentals and long-term value.

    To retail investors and traders, his message was clear: investors and traders should have the awareness that high profits should not be assumed, signaling the need for realism and caution as India moves into Samvat 2082.
    📺 Watch the full Diwali message here:
    At Prittle Prattle News, we honor your dedication and inventiveness led by showcasing you in a positive light. Under the direction of Editor-in-Chief Smruti Bhalerao, our platform is committed to disseminating powerful narratives that raise awareness and motivate change. For more important stories, follow us on LinkedIn, Instagram, and YouTube.

  • TVS Capital Funds Onboards Suraj Majee and Ravi Krishnan as Principals in Core Investment Roles

    As TVS Capital Funds prepares for its next growth chapter, these appointments reflect a decade-long focus on building institutional depth through internal leadership and operational continuity

    TVS Capital Funds has formally onboarded two of its longest-serving professionals, Suraj Majee and Ravi Krishnan, into the firm’s Principal team, a development that underscores the company’s internal-first approach to leadership evolution and institutional growth.
    Both individuals, who have grown within the firm over the better part of a decade, now move into central decision-making roles across investment and finance, as the firm prepares to deepen its footprint in India’s mid-market growth landscape. This move comes as TVS Capital Funds accelerates momentum on its Fund IV roadmap, continuing to back enduring Indian businesses and founders with capability capital.

    A journey from the inside

    Suraj Majee, now Principal in the Investments team, joined TVS Capital Funds in 2016. Rising from the analyst level, his track record has been closely tied to the firm’s high-conviction approach in financial services and its thesis-led investing framework. Over the years, Suraj has helped execute and scale several of the firm’s core investments, bringing domain expertise and measured risk-taking to the table.

    “Over the past eight years, it’s been a deeply fulfilling journey growing alongside the firm and working with inspiring NextGen entrepreneurs,” said Suraj. “I look forward to supporting the creation of enduring businesses and contributing to the firm’s long-term vision.”
    His elevation reflects more than tenure, it represents the embodiment of TVS Capital Funds’ philosophy of internal capability building and institutional trust. His new role will give him deeper involvement in deal execution, strategic assessments, and portfolio value creation, especially in the firm’s target sectors of financial services and technology.

    Anchoring financial governance
    On the financial operations side, Ravi Krishnan has been elevated to Principal and Deputy CFO, after a consistent track record of fortifying the firm’s governance systems, compliance architecture, and operational finance. His journey within the organisation has been marked by attention to detail and strategic financial structuring vital elements in managing fund performance across cycles.

    “It has been a privilege to witness the values, ethics, and clarity with which this institution is built,” said Ravi. “Working alongside such a committed team has been inspiring, and I look forward to contributing meaningfully to our shared vision.”
    His expanded remit will focus on enhancing fund-level compliance, liquidity management, reporting integrity, and working closely with portfolio CFOs as TVS Capital Funds scales Fund IV and beyond.

    Leadership continuity and long-view capital
    The firm’s Managing Partner, Krishna Ramachandran, commented on the dual appointments:
    “At TVS Capital Funds, we believe in building from within. Suraj has shown sharp investment acumen and strategic depth, while Ravi has brought consistent discipline and structure to our financial systems. These moves are a natural extension of our long-view on talent and trust.”
    This emphasis on internal growth has remained a hallmark of the firm’s culture, especially as it transitions into a new phase of growth driven by larger fund mandates, deeper partnerships, and long-term thinking. The internal appointment of professionals who have built their careers within the firm aligns with its values of continuity, ethics, and institutional memory.

    Supporting India’s next business cycle
    Founded in 2007 and headquartered in Chennai, TVS Capital Funds is one of the few homegrown private equity platforms focused exclusively on India’s growth-stage mid-market. With over ₹5,000 crore in assets under management, the firm has backed more than 35 companies and executed 28 exits a rarity in the rupee capital space.
    Its commitment to India’s economic transformation, including its aim to support the $10 trillion ambition, is underpinned by multi-cycle investing and idea-based capital deployment. The firm’s ability to nurture internal leadership mirrors the confidence it places in founders and portfolio companies building for scale, not cycles.
    With its fourth fund now in motion, and the Principal bench strengthened, TVS Capital Funds appears well-positioned to continue supporting businesses that align with long-term national value creation.
    At Prittle Prattle News, we honor your dedication and inventiveness led by showcasing you in a positive light. Under the direction of Editor-in-Chief Smruti Bhalerao, our platform is committed to disseminating powerful narratives that raise awareness and motivate change. For more important stories, follow us on LinkedIn, Instagram, and YouTube.

  • Global Impact Capital Flows Into Rural India as SAVE Joins Women’s Livelihood Bond Program

    The microfinance firm has raised USD 3 million through the bond’s seventh edition, reflecting how social debt instruments are shaping access to credit for women entrepreneurs

    August 2025 Access to affordable credit for women in rural India is still limited, even as more women step into small business activities. Instruments such as the Women’s Livelihood Bond are being used to direct money from international investors to microfinance institutions that serve borrowers at the grassroots.
    This month, SAVE Microfinance, part of the Bihar-based SAVE Group, said it had raised USD 3 million through the seventh edition of the bond. The instrument is listed in Singapore and is increasingly being used by Asian microfinance lenders to bring in funds from global investors.

    For SAVE, the capital will help expand its loan book and reduce dependence on a few domestic lenders. The company, which operates across rural northern and eastern India, described the raise as part of its effort to provide steady financial access for women who are often excluded from mainstream banking.
    Ajeet Kumar Singh, Managing Director of SAVE Group, and Pintu Kumar Singh, Chief Financial Officer, noted that the money would go into supporting women running small enterprises such as sewing units, food stalls, and petty shops and into building stronger financial systems at the village level.

    Observers say the move also signals a gradual shift in microfinance funding. Instead of relying only on Indian banks, lenders like SAVE are beginning to use blended finance structures, which give them more stable and diversified funding. That matters in a sector where continuity of credit lines can make or break outreach.
    The Women’s Livelihood Bond programme, set up by Impact Investment Exchange (IIX), has already directed significant amounts of capital to lenders across Asia. Its seventh issuance, which SAVE has now joined, is another step in linking international capital markets with rural entrepreneurs in India.

    For the women who borrow, the results will be measured in practical terms: more reliable access to loans, more chances to expand a small shop, and more room to run home-based businesses without falling into informal debt traps. For SAVE, the raise is less about headlines and more about giving its borrowers the credit lines they need to keep going.
    At Prittle Prattle News, we honor your dedication and inventiveness led by showcasing you in a positive light. Under the direction of Editor-in-Chief Smruti Bhalerao, our platform is committed to disseminating powerful narratives that raise awareness and motivate change. For more important stories, follow us on LinkedIn, Instagram, and YouTube.

  • At IIM Bangalore, CPP 2025 Sparks Debate on State Capacity, Water Security, and the Role of Dharma in Policy

    The three-day conference closed with reflections on how India can balance efficiency, equity, and cultural values in governance, with insights from global institutions, activists, and academics

    The halls of the Indian Institute of Management Bangalore turned into a laboratory of ideas last week as the CPP Conference 2025 wrapped up three days of discussion on how policy can respond to the country’s shifting social and economic challenges.
    What emerged was not simply a list of research papers or keynote addresses, but a bigger question about the Indian state itself: how can it deliver efficiently while still staying inclusive, equitable, and culturally resonant?

    State capacity under scrutiny
    Sessions across the event returned to the theme of state capacity – the ability of governments to design, fund, and implement policies. Some participants argued that the Indian state remains overburdened, often trying to do too much with too little, while others emphasised that capacity must be understood as not just administrative but also social: the trust between citizens and institutions.
    Water as policy challenge
    Another strong theme was water. Presentations on Jal Jeevan Mission and wider debates on water security showed how fragile India’s resource management remains. Case studies from rural areas illustrated both successes in providing piped drinking water and the gaps in ensuring sustainability. Experts from development agencies and community organisations stressed that water policy will be a frontline test of whether India can match infrastructure rollouts with long-term governance.

    Dharma in governance
    Unusually for a policy conference, a panel examined the role of Dharma in modern governance. Speakers linked ethical frameworks from Indian philosophy with contemporary questions of corruption, accountability, and fairness. The discussion suggested that embedding values in policy might not be a return to tradition but a way of grounding decisions in shared cultural reference points.

    Beyond academic debate
    The event, co-hosted by international bodies including the World Bank, alongside Indian civil society organisations and universities, also highlighted the lived experience of policy. Social activists shared field insights on disability inclusion and marginalised communities, reminding delegates that technical frameworks must connect back to everyday realities.
    As the conference closed, the consensus was clear: policy in India can no longer be thought of as a technocratic exercise alone. It is about capacity, resources, and values – a balancing act that will define governance in the years ahead.
    At Prittle Prattle News, we honor your dedication and inventiveness led by showcasing you in a positive light. Under the direction of Editor-in-Chief Smruti Bhalerao, our platform is committed to disseminating powerful narratives that raise awareness and motivate change. For more important stories, follow us on LinkedIn, Instagram, and YouTube.

  • One Point One Solutions posts ₹74.50 crore revenue in Q1 FY26 as profit rises 24 percent year on year

    The BPM services provider reported income of ₹74.50 crore and PAT of ₹9.44 crore for the June quarter, while appointing Nitin Mahajan as CEO to manage India growth and automation-driven transformation.

    One Point One Solutions Limited (NSE: ONEPOINT) reported consolidated revenue of ₹74.50 crore for the quarter ended June 30, 2025, with profit after tax rising to ₹9.44 crore. The results mark year on year growth of nearly 20 percent in revenue and 24 percent in net profit, supported by steady operational margins.
    Quarterly comparisons show income up from ₹73.62 crore in Q4 FY25, while EBITDA climbed to ₹20.56 crore and PAT increased by just over 8 percent. Margins remained consistent with an EBITDA margin of 27.6 percent and a PAT margin of 12.67 percent. Earnings per share for the quarter stood at ₹0.36.

    Alongside the financials, the company announced the appointment of Nitin Mahajan as Chief Executive Officer. Mahajan, who brings close to three decades of industry experience, will guide the company through its next phase of international expansion and the integration of advanced technologies such as GenAI and automation into its BPM offerings.

    Chairman and Managing Director Akshay Chhabra noted that the results reflect resilience in the business model and sustained client confidence, pointing to investments in technology, process excellence, and new talent as key drivers.
    The company has been diversifying through acquisitions and now operates delivery centers across major Indian cities, as well as in the United States and Europe. With a workforce of more than 5,600 people, One Point One Solutions serves over 50 clients in industries ranging from banking and finance to consumer durables, retail, travel, insurance, and healthcare.

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