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The 79-year-old IT firm is capitalising on India’s crypto-tax arbitrage, offering investors Bitcoin exposure without incurring Bitcoin taxes. It’s clever. It’s legal. And it may not last
More money is chasing fewer deals. Returns are falling. Banks could be back as rivals. Private-credit funds are bound to make mistakes
India wants to stop terror-funded rupees, banks want to stop inadvertently laundering them, and compliance firms just want to be on every bank’s speed dial
The Walmart-owned fintech's failure to sell insurance to its UPI users means the payments company's desire for a new business with scale remains just that
The struggling credit card major faces a deep divide, courtesy of a peculiar organisational structure that can’t be done away with
Gullak, Safegold, Plusgold, and others promise easy money, but in an unregulated market with no safety net for investors, even industry insiders are sounding the alarm
And Juspay counts on merchants to come to its aid after the two payment aggregators parted ways with it
Tighter norms in the unregulated digital-gold space could throw a wrench into micro-gold platforms riding high on the yellow metal’s popularity
From auto loans to home loans, generative AI tools are helping buyers get faster loans. But existing biases still lurk
The regulator has singled out four non-banks for charging “usurious interest rates, frivolous penalties” even as others are playing by a similar book
Account aggregators, fraud-protection startups, and invoice authenticators have been long-time lenders’ partners. But the RBI is disrupting the rhythm
Lenders are flouting every rule in their books to cater to the rising gold-loan demand. The Ken tracked down such cases deep in the country's hinterlands from Karnal to Bulandshahr
Lenders like Navi are taking the step of extreme borrower surveillance. This is hardwired into its DNA
The last quarter was the company’s best in two years as it scrambles to onboard merchants and tries to make the most of a year-long regulatory ban
Earlier this year, the banking regulator audited fintechs and flagged concerns with regard to daily operations, pricing, and credit risk. Fintechs see this as ‘RBI overreach’
The lender must secure its portfolio as it gears up for its IPO, even though it already makes solid profits from its loans
New rules meant to enhance banks’ locker services for clients are having the opposite effect, unlocking a window of opportunity for private players
Visa and Mastercard have long been synonymous with credit cards. The regulator wants to change that—but it will have collateral damage
In four years, Sumant Kathpalia has wowed investors to take the bank’s market cap to $14 billion. Now he needs to do the same with the central bank to extend his stint
With Phonepe and other rivals targeting its merchants, Paytm wants its sales force to leave no stone unturned
It has been nearly a year since the central bank restricted the fintech from onboarding new merchants for its payments-gateway business; the impact is only being felt now
A barrage of KYC mandates from banks and regulators has created the perfect fear vector for Indians to be targeted by criminal tech startups running “fraud stacks”
Personal loans helped lift Paytm and rejuvenate its lending operations. But the fintech must now seek alternatives
Those that lend to you illegally make hay
Central bank digital currency (CBDC)’s many contradictions make this increasingly unlikely even almost a year after its launch
The nod for Slice-North East Small Finance Bank merger shows that the regulator is open to using fintechs to rescue troubled banks
In an era buzzing with excitement over stocks, funds, and derivatives, Stable Money’s Saurabh Jain crowns fixed deposits as the best mass product in India
What can lenders do when credit-card experts on Telegram, WhatsApp, and Discord keep finding new ways to game the system and maximise rewards?
For over half a century, athletes with sports-quota jobs in government-owned companies have felt shielded. But for today’s Indian sportspersons, they are like swords without a hilt
First came the entrepreneurs, former executives, and management graduates. Now, even fitness and beauty influencers are dispensing financial advice on social media without any checks
India’s central bank has thrown many curveballs at the unicorn lending fintech, leaving it to navigate a complex path. Despite the efforts to steer its way out with new products, Slice finds itself adrift in a sea of dwindling user numbers
India’s credit boom has sparked a revival in the luxury real-estate and automobile industries. But the lack of an uptick in other economic markers, such as industrial loans, raises questions about the sustainability of this trend
“We think given its federal structure, India needs only about 1,000 schemes. Anything less than that will be undermining the states’ role”
Piramal Finance, one of India's largest non-banking lenders, is taking hits in its traditional business model and attempting a 180-degree flip, thanks to far smaller companies. But this is at a time when fintechs are facing an acute funding crunch.
The fund house's solid track record on returns took a hit in 2022 because of a sell-off in US tech stocks and the RBI cap on investments abroad. Meanwhile, investors continue to pour in money and the fund managers are holding tight. But the tide could turn
Business models are what enable companies to generate revenues and profits. Which ones are investors most interested in?
Deloitte, EY, PwC, and KPMG have unlocked a new, high-margin revenue stream: making sure fintechs don't fall afoul of rapidly changing rules
Up until recently, many young Indians under the age of 35 were prepping to buy homes for the first time. Now, they’re facing the latest swing in the real estate market’s long-running seesaw game
If India’s card tokenisation rules had kicked in on 1 July as planned, it would have upset online commerce for millions of India's merchants. The banking regulator’s third extension has taken the deadline to September, but three months may not be enough for stakeholders to get it together
Deloitte, which audits Byju’s, hasn’t yet signed off on the edtech’s 2021 financials—its reticence comes from the lending and accounting decisions that Byju’s has made. The impact of this decision will ripple across India’s startup sector
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