Author: Anirudha Basak

Anirudha is immensely passionate about finance, economy, businesses, personal finance, and of course, banking. He has an MBA in Finance from XIMB.

#21 Quarter 2 starts rolling in.

Reading Time: 7 minutes It’s the season of Q2 (July-Sep) results again. I’ll be looking at ignored banks and try to understand where they’re going right (or wrong). This week, we’ll try to simplify Federal Bank. With a tiny market share of ~1%, this private bank doesn’t even come up in the news that often. However, did you know […]

#21 Quarter 2 starts rolling in.

Reading Time: 7 minutes It’s the season of Q2 (July-Sep) results again. I’ll be looking at ignored banks and try to understand where they’re going right (or wrong). This week, we’ll try to simplify Federal Bank. With a tiny market share of ~1%, this private bank doesn’t even come up in the news that often. However, did you know […]

#20 Hold It 2.0 – Bank on Basak

Reading Time: 9 minutes If you recall my first “Hold it” post, I had briefly explained the background of the MPC. Here’s an excerpt to refresh your memory: The RBI Monetary Policy Committee met from 4th-6th August, 2020 behind closed doors to decide what the policy rates are going to be for the next quarter. This was the 24th meeting since the […]

#20 Hold It 2.0 – Bank on Basak

Reading Time: 9 minutes If you recall my first “Hold it” post, I had briefly explained the background of the MPC. Here’s an excerpt to refresh your memory: The RBI Monetary Policy Committee met from 4th-6th August, 2020 behind closed doors to decide what the policy rates are going to be for the next quarter. This was the 24th meeting since the […]

#19 Frauds 101 – Bank on Basak

Reading Time: 7 minutes Welcome to all the new readers who joined this week. We are a now a community of over 2000! 😁 I still can’t believe that such a niche area grew so fast in less than four months. It has all been possible because of your support and feedback. Keep reading, keep sharing! ❤️ Also, if […]

#18 Going Back to the Drawing Board

Reading Time: 7 minutes Word on the grapevine is that the IPO of Equitas Small Finance Bank is coming very soon. While revisiting their IPO document, I found this statement, Equitas is the second largest SFB in terms of asset under management (AUM) and total deposits, behind AU SFB I know asset management companies (like HDFC Mutual Fund, SBI […]

#18 Going Back to the Drawing Board

Reading Time: 7 minutes Word on the grapevine is that the IPO of Equitas Small Finance Bank is coming very soon. While revisiting their IPO document, I found this statement, Equitas is the second largest SFB in terms of asset under management (AUM) and total deposits, behind AU SFB I know asset management companies (like HDFC Mutual Fund, SBI […]

#16 YONO, Kamath and a Woman!

Reading Time: 8 minutes SBI Chairman Rajnish Kumar made a bold claim this week: “My valuation for YONO would be, may be, $40-$50B, given the valuations which startups get. The only thing is that because it is sitting in the bank, it does not get reflected in the valuations. It is the biggest startup by a legacy bank” Let […]

#16 YONO, Kamath and a Woman!

Reading Time: 8 minutes SBI Chairman Rajnish Kumar made a bold claim this week: “My valuation for YONO would be, may be, $40-$50B, given the valuations which startups get. The only thing is that because it is sitting in the bank, it does not get reflected in the valuations. It is the biggest startup by a legacy bank” Let […]

#14 Not Risk-Averse, But Prudent

Reading Time: 9 minutes On Thursday, Business Standard held back-to-back webinars with the RBI Governor, couple of CEOs of public/private/foreign banks, and a final one – just with SBI Chairman Rajnish Kumar and HDFC MD, Aditya Puri. I attended the 4 hour marathon, so you don’t have to. Here are the concentrated insights: First up, RBI Governor Shaktikanta Das […]

#14 Not Risk-Averse, But Prudent

Reading Time: 9 minutes On Thursday, Business Standard held back-to-back webinars with the RBI Governor, couple of CEOs of public/private/foreign banks, and a final one – just with SBI Chairman Rajnish Kumar and HDFC MD, Aditya Puri. I attended the 4 hour marathon, so you don’t have to. Here are the concentrated insights: First up, RBI Governor Shaktikanta Das […]

#13 We're (not) a monopoly!

Reading Time: 8 minutes Quote of the Week “Good loans are made during bad times and bad loans are made during good times” – CSB Bank Bank Credit and an opportunity! Is Adar Poonawalla’s side bet making good loans during a (really) bad time? Let me explain. Adar Poonawalla is the CEO of Serum Institute of India, a drugmaker, […]

#13 We're (not) a monopoly!

Reading Time: 8 minutes Quote of the Week “Good loans are made during bad times and bad loans are made during good times” – CSB Bank Bank Credit and an opportunity! Is Adar Poonawalla’s side bet making good loans during a (really) bad time? Let me explain. Adar Poonawalla is the CEO of Serum Institute of India, a drugmaker, […]

#12 Change is the only constant!

Reading Time: 7 minutes Happy Independence Day to all of you! 🇮🇳 I was actually taking a much-needed break today, hence the late post. Hope you were able to make it feel like a normal holiday! In other news, my work (an extract from my last post) was published on GoMedici. It’s the leading FinTech publication in the world. […]

#12 Change is the only constant!

Reading Time: 7 minutes Happy Independence Day to all of you! 🇮🇳 I was actually taking a much-needed break today, hence the late post. Hope you were able to make it feel like a normal holiday! In other news, my work (an extract from my last post) was published on GoMedici. It’s the leading FinTech publication in the world. […]

#11 Hold it! – Bank on Basak

Reading Time: 8 minutes Whenever the RBI Governor gives a speech, it excites me and makes me anxious at the same time! Excited because I have content for my blog 🙈 and anxious because I can only hope I do a good job simplifying it. 😬 So here goes. The RBI Monetary Policy Committee met from 4th-6th August, 2020 […]

#11 Hold it! – Bank on Basak

Reading Time: 8 minutes Whenever the RBI Governor gives a speech, it excites me and makes me anxious at the same time! Excited because I have content for my blog 🙈 and anxious because I can only hope I do a good job simplifying it. 😬 So here goes. The RBI Monetary Policy Committee met from 4th-6th August, 2020 […]

#10 Please lend? – Bank on Basak

Reading Time: 5 minutes So what did NaMo ask them? Banks should not treat all borrowers in the same way – essentially, they should proactively identify “bankable proposals” so that they get funding based on merit and not be shooed away due to past NPAs (easier said than done) Small entrepreneurs and farmers should be motivated to use bank’s […]

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