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03 Sep, 2018 Divesh Mishra

A Payment Bank (PB) facilitates small payment transactions of its retail customers. It operates on a small scale. Though a majority of banking transactions fall under its purview, yet it can not give any types of loans. As credit cards fall in the category of loans, it can not directly issue credit cards either.

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01 Sep, 2018 Divesh Mishra

HDFC Group is the biggest financial services house in the country. HDB Finance Limited (HDBFL) is an NBFC and extends secured (property backed) as well as unsecured and small loans. The company has been promoted by HDFC Bank and is 95.87% owned by HDFC Bank Limited. The remaining shares are with the current and ex-employees of HDFC Bank, HDFC Group and HDB Finance employees.

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01 Sep, 2018 Divesh Mishra

Any official data on the country’s economic performance is released only by Central Statistical Office (CSO). CSO comes under the Union Ministry of Statistics and Programme Implementation. Currently Mr Sadanand Gowda is the minister here.

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18 Aug, 2018 Divesh Mishra

Stock Market Price

Students often ask questions about a bank’s stock market price and as to what it exactly means. As per RBI guidelines it is mandatory for the Public and Private Sector banks to restrict the promoters’ shareholding.

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18 Aug, 2018 Divesh Mishra

Let’s learn Ten Management Lessons from the extraordinary life of Late Mr. Vajpayee:

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14 Aug, 2018 Divesh Mishra

Today, on the eve of the Independence Day, on the 14th of August, 2018, the Rupee has crossed 70 per U S Dollar (or USD). It is a tough situation if not an outright crisis. Such sudden reduction in the value of Rupee damages our economy as it:

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10 Aug, 2018 Divesh Mishra

SFIO is corporate fraud investigating agency in India and falls under the Ministry of Corporate Affairs. It mainly focuses upon tax evasion, diversion of funds, money laundering, misleading accounting, misuse of Information Technology, customs duty evasion, company law violation, funds embezzlement and corporate frauds.

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24 Jul, 2018 Divesh Mishra

In India, if you earn money over a particular limit (which is currently Rs. 2,50,000/- for citizens upto the age of 60 years). In simple words, if a person earns income of upto Rs. 2,50,000 during a financial year, it does not have to pay any Income Tax. For the year 2017-18, the Income Tax collections have been over Rs. 10 lac crore, showing a growth of over 18% and exceeding target, thanks to demonetisation.

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23 Jul, 2018 Divesh Mishra

India’s domestic trade is approximately USD 1.7 t (or 60% of its GDP). Its international trade (imports and exports) at current terms is about USD 1 t. Globally, the countries with higher international trade percentage offer better quality of life for their citizens.

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20 Jul, 2018 Divesh Mishra

Reality:
There are over 1500 Fintechs in the country today operating in various fields of BFSI and in various geographies. Almost all these Fintechs are floated by promoters based in Delhi, Mumbai or Bangalore. There is huge imbalance here. About 75% of the investment is made in 10 Fintechs.

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