Emerging fintech disruption in India

Data consumption has been up four-fold in as many years and India is digitising at an exponential pace. By and large, the country has leapfrogged the PC straight to the smartphone, where content is being absorbed.

Second, the government rolled out a unique infrastructure five years ago that introduced a Unified Payments Interface (UPI) across India, allowing digital transactions across all banks and consumers. Post demonetisation, consumer payment behaviour has undergone a vast change: i.e, more comfort with online payments for daily expenses. Covid-19 has accelerated this

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Modi Govt also Fails to Control Inflation

One of the most essential thing in Good Governance is the stability in Core Inflation. Despite, modifying the constituents and benchmarks to suit to the reportable needs of the Government, Inflation refuses to come down as Commission Agents & Traders get Rich quicker.

CPI inflation jumped to ~6.9% YoY in July, up 70bps from June. Fresh spike in vegetables and sustained rise in commodities (oil, gold, etc) pushed headline higher. Amongst components, food inflation picked up 80bps to 8.7% YoY. The high and rising food inflation was driven by spike in perishables like vegetables, meat and fish. But other items such as cereals, pulses, milk and

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Who’s Competing for IndiaMart’s Business ?

With Jio in news on a daily basis, everybody wants to be in the Big Kirana Store revolution either Online, or Omni Channel or the Online Delivery partner where margins are wafer thin and except Top 3 none have the deep pockets to sustain. B2B has been a real big business as is visible by the success of Alibaba which started in China, the Factory for the Globe. With COVID-19 some manufacturing is moving away from China and lets examine the B2B space in India.

IndiaMart a leading online B2B marketplace for business products and services has ~60% market share of the online B2B classifieds space in India (Source: KPMG). It provides a two-way discovery platform for business buyers to discover products and services FREE of Cost, and contact the sellers of such business products and services. The platform generates revenue from Subscriptions, Listings, Lead generation and other related services provided to Suppliers / Sellers. Since the concept of B2B has been profitable as witnessed here and the world’s largest platform Alibaba, entrepreneurs decided to focus on

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India Life Insurance Companies Market Share

It has been a while since we reported the Top Life Insurance Companies in India. According to data released by IRDA, Government owned LIC continues to be the Top Life Insurer with 50% market share on the basis of APE (Annualized Premium Equivalent) year till date. The combined market share of listed players in the Private Sector – SBI Life, ICICI Prudential Life, HDFC Life and Max Life on an individual basis stood at ~63.2% as at Jul 2020. Tata AIA, Bajaj Allianz and Birla Sun Life are also getting firmly positioned amongst the 5-7th largest private insurers.

The following Chart Shows the Market Share of all the Life Insurance Companies operating in India

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Modi Govt Funds Startups using PSU Money – HPCL Invests in RedRoom Technology

The Government of India led by Mr. Narendra Modi has started funding innovative Startups using Money from the Public Sector Undertakings [PSU]. PSUs are companies owned and operated by the Government of India and most of its employees are Government Employees even though the companies are formed under the Indian Companies Act.

Which is the Startup Funded by Modi Govt’s through PSU ?
The Startup we are referring to is RedRoom Technology Pvt Ltd. They are the manufacturers of Women’s hygiene products viz. menstrual cups, sanitary pads, tampons, etc under the brand name Sanfe. The company was incubated in IIT Delhi and the institute is a shareholder of the company. The Government has invested in Redroom using the Cash from

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Indian EdTech Gets Hot – Vedantu Second Most Valued Firm

Vedantu has now become the second most valued ed-tech start-up in India following its USD 100mn fund raise at a valuation of USD 600mn during a Series D round led by Coatue Management, Tiger Global, GGV Capital, Omidyar and Westbridge Capital. Interestingly, the company’s valuation seems to have more than doubled in just three months, as it had earlier raised USD 7mn from KB Global at a valuation of USD 280mn in Apr 2020.

We believe the latest fund raise comes under the backdrop of the fast growing adoption of the online medium for learning purposes in the country that was visible even prior to the onset of the Covid-19 pandemic. The pandemic has further intensified the online shift, with all

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