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Most of us have certainly wished to have won a lottery…an easy ticket to fulfil many dreams….isn’t it? But rarely do we think how we should use this prize money! Planning and prioritizing is important to ensure that the prize money is put to the best use. Listed below are simple and easy ways in which should prioritize and use this prize money. Track your income and expenses Continue to keep track of your income and expenses. Remember the money won in…

6/6/2020 I hope you found my first blog relevant and it made useful reading.  Taking reference of the trinity analogy, I believe we had yet another unholy trinity event. Rajasthan experienced an intense locust swarm invasion attack, affecting about 90,000 hectares across 20 districts, which disappeared as mysteriously as it appeared.  While the Corona pandemic continues, we had two cyclones, back to back.  The Orissa – West Bengal cyclone was devastating and caused many more deaths and much more damage – the more recent one on the west coast was…

Hi, This is the first of a series of initiatives we are taking to address the moratorium announced by RBI. The focus is to create awareness amongst borrowers, more the retail borrower, and thus enable a more informed decision and also to put forth an independent unbiased view of the impact and consequences of the two stage moratorium. At this stage, of course we do not know if there will be a third moratorium and if so, in what shape and manner. …

My secretary discovered the other day that I was the former MD of CIBIL and sheepishly requested for advice – she was getting calls from recovery agents saying and threatening that if she did not pay her outstanding dues on her 5 credit cards, her name would be reported to CIBIL and she would never again get a loan or a credit card in her life! In my mind I am thinking – wow, what did I help build! An organization - a concept…