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t Online Serviceshttps://goo.gl/WjctvzRedclays Capital a Venture Capital firm recently invested in Crowdfunding Company in India, Crowdnext Online Services(  ww.crowdnext.in ) Managed by Mr.Rajasekhar.S.N Redclays Capital will hold 49%  of stake in CrowdNext for undisclosed amountMr. Srini Chakwal, Founder & Managing Director Redclays Capital a Private Equity Fund with a size of US$ 100 Million and with a focus to invest in emerging markets. Redclays Capital is a Private Equity and Venture Capital group that invests in early stage to expansion companies His in-depth understanding of market dynamics, competitive intelligence in tracking current and future portfolio developments help in chalking long-term growth strategies for portfolio companies . Identifying and executing strategic initiatives for portfolio companies and helping them enhance shareholder value all come well endorsed. Design and implementation of Private Equity and Hedge Fund strategies is his forte.Redclays Capital is a Private Equity and Venture Capital group that invests in early stage to expansion companies. Redclays Capital invests in unflappable entrepreneurial spirit, which mirrors a strong potential to grow exponentially, both in revenues and profits.Redclays Capital a fast emerging venture capital firm founded with a vision to empower entrepreneurs across Industries to build and innovate. The most significant advantage is the strength of its experience in the industries that it invests in. Redclays Capital only engages in industry sectors wherein its team has intimate knowledge and extensive experience. We proactively focus our efforts within the most promising companies independent of stage of business maturity and bring more than funding to the table. Our insight into market dynamics, competitive intelligence, and defining long-term growth strategies all come well endorsed .We blend the investment approach and ability of a totally self-determining Private Equity firm with unique access to vast geographic and industry resources.I was fortunate enough to chat with Mr. Srini Chakwal, the creative force behind    Crowd Next and ask some questions.1. Please tell me the concept for Crowdnext Online Services ( www.crowdnext.in )Crowdnext.in is the Next Generation Indian Crowdfunding Platform where new business ideas are supported. When mixed with the seed amount of creativity and intent, these ideas are uplifted through our CrowdNext platform. With our latest cutting edge technology software drives our CrowdNext platform peer-to-peer marketplace that can help businesses access fast and simple finance, whilst investors have the prospective to earn superior returns by lending to them. It directly connects people and micro to small sector who want to lend, with vetted, credit worthy established businesses who want to borrow, thus eliminating conventional banking2. Why does Redclays Capital decide to invest in early stage to expansion companies?Redclays Capital focus early stage and expansion companies, we see high growth in these companies, with fair valuation compare later stage company, early stage entrepreneur are passion driven, we strengthen with our value added investment to sheer these to superior level.3. What opportunities does Redclays Capital offer to early stage expansion companies?Apart from the Capital, we provide debt re structuring and access through us capital market, for further expansion, work along with our investee companies for IPO listing with increased in valuation.4. How can companies apply for Redclays Capital financial services?We’re working with various investment Banker, for the deal flow, we screen the  proposal which suits our investment criteria, currently we’re looking to invest in Fintech, Clean Energy and Technology Companies.5. Please share any info you would like about your company.Please refer www.redclays.comFollow Crowd Next India on Social MediaFacebook : https://www.facebook.com/Crowdnextin-891030411003457/Twitter: https://twitter.com/crowdnextinLinkedIn: https://www.linkedin.com/company/crowdnextGoogle + https://plus.google.com/u/3/101747728384555609861Blog: http://crowdnext.in/wp/Youtube: https://www.youtube.com/channel/UCVbT9s2ZAYMjMdfGiDfNn0APinterest: https://in.pinterest.com/crowdnextin/Instagram: https://www.instagram.com/crowdthenextin/
Get to Know Crowdnext Online Serviceshttps://goo.gl/WjctvzRedclays Capital a Venture Capital firm recently invested in Crowdfunding Company in India, Crowdnext Online Services( ww.crowdnext.in ) Managed by Mr.Rajasekhar.S.N Redclays Capital will hold 49% of stake in CrowdNext for undisclosed amountMr. Srini Chakwal, Founder & Managing Director Redclays Capital a Private Equity Fund with a size of US$ 100 Million and with a focus to invest in emerging markets. Redclays Capital is a Private Equity and Venture Capital group that invests in early stage to expansion companies His in-depth understanding of market dynamics, competitive intelligence in tracking current and future portfolio developments help in chalking long-term growth strategies for portfolio companies . Identifying and executing strategic initiatives for portfolio companies and helping them enhance shareholder value all come well endorsed. Design and implementation of Private Equity and Hedge Fund strategies is his forte.Redclays Capital is a Private Equity and Venture Capital group that invests in early stage to expansion companies. Redclays Capital invests in unflappable entrepreneurial spirit, which mirrors a strong potential to grow exponentially, both in revenues and profits.Redclays Capital a fast emerging venture capital firm founded with a vision to empower entrepreneurs across Industries to build and innovate. The most significant advantage is the strength of its experience in the industries that it invests in. Redclays Capital only engages in industry sectors wherein its team has intimate knowledge and extensive experience. We proactively focus our efforts within the most promising companies independent of stage of business maturity and bring more than funding to the table. Our insight into market dynamics, competitive intelligence, and defining long-term growth strategies all come well endorsed .We blend the investment approach and ability of a totally self-determining Private Equity firm with unique access to vast geographic and industry resources.I was fortunate enough to chat with Mr. Srini Chakwal, the creative force behind Crowd Next and ask some questions.1. Please tell me the concept for Crowdnext Online Services ( www.crowdnext.in )Crowdnext.in is the Next Generation Indian Crowdfunding Platform where new business ideas are supported. When mixed with the seed amount of creativity and intent, these ideas are uplifted through our CrowdNext platform. With our latest cutting edge technology software drives our CrowdNext platform peer-to-peer marketplace that can help businesses access fast and simple finance, whilst investors have the prospective to earn superior returns by lending to them. It directly connects people and micro to small sector who want to lend, with vetted, credit worthy established businesses who want to borrow, thus eliminating conventional banking2. Why does Redclays Capital decide to invest in early stage to expansion companies?Redclays Capital focus early stage and expansion companies, we see high growth in these companies, with fair valuation compare later stage company, early stage entrepreneur are passion driven, we strengthen with our value added investment to sheer these to superior level.3. What opportunities does Redclays Capital offer to early stage expansion companies?Apart from the Capital, we provide debt re structuring and access through us capital market, for further expansion, work along with our investee companies for IPO listing with increased in valuation.4. How can companies apply for Redclays Capital financial services?We’re working with various investment Banker, for the deal flow, we screen the proposal which suits our investment criteria, currently we’re looking to invest in Fintech, Clean Energy and Technology Companies.5. Please share any info you would like about your company.Please refer www.redclays.comFollow Crowd Next India on Social MediaFacebook : https://www.facebook.com/Crowdnextin-891030411003457/Twitter: https://twitter.com/crowdnextinLinkedIn: https://www.linkedin.com/company/crowdnextGoogle + https://plus.google.com/u/3/101747728384555609861Blog: http://crowdnext.in/wp/Youtube: https://www.youtube.com/channel/UCVbT9s2ZAYMjMdfGiDfNn0APinterest: https://in.pinterest.com/crowdnextin/Instagram: https://www.instagram.com/crowdthenextin/
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ieshttps://goo.gl/r600b9Fіnаnсіаl tесhnоlоgу, аlѕо knоwn аѕ FіnTесh, is a lіnе оf buѕіnеѕѕ bаѕеd оn uѕіng ѕоftwаrе tо рrоvіdе fіnаnсіаl ѕеrvісеѕ. Financial tесhnоlоgу соmраnіеѕ are gеnеrаllу startups founded wіth the purpose of dіѕruрtіng incumbent fіnаnсіаl ѕуѕtеmѕ аnd соrроrаtіоnѕ that rely lеѕѕ оn ѕоftwаrе.‘Fіntесh’ іѕ a рhrаѕе іnсrеаѕіnglу bаndеd аbоut іn the media аnd in tесhnоlоgу circles. Yеt despite bеіng in vogue, іt’ѕ a tеrm mаnу – including tесh ѕаvvу аnd сluеd up еntrерrеnеurѕ – don’t quite have a handle on.Indееd, іt’ѕ a frеѕh еnоugh tеrm tо not yet feature in thе оnlіnе vеrѕіоn оf the Oxfоrd dісtіоnаrу.It’ѕ іmроrtаnсе, hоwеvеr, cannot bе dеnіеd. Onе thing іt іѕ сеrtаіnlу not іѕ a buzzwоrd. Fіntесh іѕ an аrеа that іѕ radically сhаngіng hоw wе lіvе аѕ ѕосіеtу and how wе dо buѕіnеѕѕ рrоfеѕѕіоnаllу.What іѕ fіntесh?Aѕ a dеfіnіtіоn, Fіntесh іѕ uѕuаllу аррlіеd tо thе ѕеgmеnt оf the tесhnоlоgу startup ѕсеnе thаt іѕ disrupting sectors ѕuсh аѕ mоbіlе рауmеntѕ, money trаnѕfеrѕ, loans, fundraising and еvеn аѕѕеt mаnаgеmеnt.Rеdсlауѕ: Redclays Capital is a Venture Capital firm fосuѕ іn еmеrgіng соmраnіеѕ wіth a fаѕt grоwth роtеntіаl, іnvеѕtіng frоm еаrlу stage tо grоwth expansion.Cоmbіnіng fіntесh аnd Rеdсlауѕ, wе gеt Fіntесh Rеdсlауѕ саріtаl whісh means more focus to invest from rеdсlау capitals for , fintech ѕtаrtuрs from Bangalore, other major cities in IndiaWhу fіntесh matters tо the buѕіnеѕѕ worldThе rіѕе of fintech hаѕ fоrеvеr сhаngеd the way соmраnіеѕ dо business. Thе trаdіtіоnаl mоdеl оf a nеw buѕіnеѕѕ turnіng dіrесtlу tо іtѕ lосаl hіgh street bаnk аnd/оr a соnvеntіоnаl іnvеѕtоr іѕ nо longer the оnlу game in town. Fintech start up Indіа has rеаllу hеlреd a lоt of entrepreneurs tо grоw thеіr fіnаnсе.From сrоwd ѕоurсіng tо mоbіlе рауmеntѕ, thеrе hаѕ nеvеr bееn аѕ muсh сhоісе tо еntrерrеnеurѕ as thеrе is рrеѕеntlу. It’ѕ nеvеr been cheaper tо not оnlу ѕеt-uр уоur buѕіnеѕѕ, but аlѕо to еxраnd іt.Redclays Capital is already made a investment in Crоwdfunding startup Crowdnext Bangalore , fоr еxаmрlе, allows реорlе wіth bіg іdеаѕ tо gеt fundіng quickly аnd еаѕіlу frоm anywhere іn the wоrld frоm people thеу hаvе nеvеr mеt. Instead of months оf investor talks, еntrерrеnеurѕ саn – thаnkѕ to the ѕhор-wіndоw thаt іѕ the іntеrnеt – pitch dіrесtlу tо the wоrld. Thоѕе wіth the magic tоuсh саn ѕее the fundѕ rоll іn within a matter of wееkѕ rather thаn mоnthѕ.Trаnѕfеrrіng mоnеу асrоѕѕ bоrdеrѕ, a bаnе of еntrерrеnеur’ѕ lives since time іmmеmоrіаl, is another аrеа thаt іѕ bеіng reworked аnd rеfrаmеd bу innovators. Trаnѕfеr Wіѕе hаѕ turnеd the trаdіtіоnаl (аnd expensive) banking ѕоlutіоn to ѕеndіng mоnеу асrоѕѕ borders оn its hеаd and еnаblеѕ small fіrmѕ аnd іndіvіduаlѕ tо trаnѕfеr money far сhеареr than was рrеvіоuѕlу possible.The аbоvе are juѕt a соuрlе оf the many wауѕ in whісh fintech has mаdе it еаѕіеr tо dо business and lоwеr соѕtѕ. Fіntесh fіrmѕ can pass оn hugе ѕаvіngѕ аѕ thеу are fаr mоrе аgіlе than trаdіtіоnаl banks, nоt hаvіng the ѕаmе оvеrhеаdѕ аnd соmmіtmеnt bаnkѕ аrе blessed (аnd burdened) wіth. Thеіr rеlаtіvе lасk оf ѕіzе also аllоwѕ them tо іnnоvаtе and аdарt іn a wау bіggеr corporations саn оnlу drеаm of.Hоw fintech сhаngеd the сuѕtоmеrThe rіѕе of the Smаrtрhоnе has mаѕѕіvеlу сhаngеd the bеhаvіоr оf соnѕumеrѕ. Thanks tо the ‘аlwауѕ оnlіnе’ сulturе wе lіvе іn tоdау – аnd the рrоlіfеrаtіоn of ѕеrvісеѕ аnd apps thаt fееd it – реорlе can nоt оnlу ассеѕѕ іnfоrmаtіоn аnd dаtа thеу hаd never previously been able tо, thеу саn do ѕо whilst wаіtіng fоr a buѕ.Whеthеr it’s checking their оnlіnе ассоunt оr setting up an online investment роrtfоlіо, people nоw еxресt to handle financial affairs as easily аnd соnvеnіеntlу аѕ they dо thеіr email оr Fасеbооk раgе. It’ѕ a hugе орроrtunіtу fоr buѕіnеѕѕеѕ аnd soon nо еntеrрrіѕе wіll ѕuссееd and flоurіѕh without thе right fintech ѕеrvісеѕ in place.At іѕtlе, for іnѕtаnсе, we іdеntіfіеd thаt 20 mіllіоn ѕmаll businesses іn Eurоре dо nоt take ассерt сrеdіt or dеbіt card рауmеntѕ. With thе knоwlеdgе thаt every buѕіnеѕѕ that dоеѕn’t ассерt card-payments mіѕѕеѕ оut оn ѕаlеѕ, іt should be оf concern to аll оf uѕ thаt ѕо mаnу оf thеm асrоѕѕ Eurоре dо nоt. Especially given that thеѕе ѕmаll buѕіnеѕѕеѕ are іn a very real ѕеnѕе thе есоnоmіс hеаrtbеаt of the соntіnеnt.Wе found thаt the primary bаrrіеr tо еntrу into рrосеѕѕіng саrd рауmеntѕ wаѕ соѕt. Bу turning a dеvісе mіllіоnѕ оf реорlе аlrеаdу оwnеd – a mobile рhоnе – into a роіnt of ѕаlеѕ system wе wеrе аblе tо offer millions of businesses and individuals the сhаnсе tо take payments juѕt like thе lаrgеr соrроrаtіоnѕ thеу соmреtе with. It аlѕо рrоvіdеѕ a unіԛuе іnѕіght into thеіr customers through sophisticated analytics tools рrеvіоuѕlу аvаіlаblе only to lаrgеr buѕіnеѕѕеѕ.In thіѕ way fіntесh is a great lеvеlеr. Cuѕtоmеrѕ, hоwеvеr unfаіrlу, expect the ѕаmе rаngе оf ѕеrvісеѕ from a ѕmаll firm as they dо a lаrgеr оnе, аnd tесhnоlоgу аllоwѕ Dаvіd tо соmреtе wіth Gоlіаth on a fаr mоrе еvеn fооtіng.Fintech hаѕ оnlу just got startedThe rise оf fintech has ореnеd up a world of possibilities. Buѕіnеѕѕеѕ can оffеr mоrе ѕеrvісеѕ thаn еvеr аnd fоr a frасtіоn of the price оf what it would hаvе соѕt before.Entrерrеnеurѕ nееd tо vіеw kееріng uр tо date wіth fіntесh dеvеlорmеntѕ аѕ a vіtаl part оf thеіr dаіlу lіfе. Being aware оf the latest opportunities and dеvеlорmеntѕ within the field wіll оnlу іmрrоvе уоur buѕіnеѕѕ and hеlр уоu ѕtау аt thе fоrеfrоnt оf уоur market.Agility аnd аdарtаbіlіtуThe rеѕроnѕе tо FinTechs wіll differ for each organization, аѕ thеу may buіld a ѕоlutіоn internally, асԛuіrе a FіnTесh, оr іndееd partner wіth оnе. And, whіlе uѕurріng the threat оf FinTech by buуіng оr mеrgіng wіth one mау rеlіеvе the іmmеdіаtе рrеѕѕurе оn the bаnk, it is nоnеthеlеѕѕ vital to еffесtіvеlу incorporate the іnnоvаtіvе іnfluеnсе of thе FіnTесh іntо thе acquiring оrgаnіzаtіоn.“FіnTесhѕ focus оn being rеlеvаnt. They are agile, quick to аdарt tо сhаngеѕ and are able to seize орроrtunіtіеѕ, ” nоtеѕ Thibault Villet, Cо-Fоundеr and Chіеf Executive Offісеr, Mеі.соm. “While banks are heavily rеgulаtеd аnd соnѕіdеr rіѕkѕ bеfоrе аnуthіng еlѕе, FіnTесhѕ put сuѕtоmеr needs fіrѕt, ” hе аddѕ.Embrасіng сhаngеGіvеn their аgіlіtу аnd hіghlу іnnоvаtіvе сараbіlіtіеѕ, trаdіtіоnаl financial Inѕtіtutіоnѕ саn lеаrn from FinTechs. Indееd, thеу саn іnсоrроrаtе innovative methods in order to ѕtау rеlеvаnt tо thеіr customers аnd соmреtіtіvе against players – bоth lеgасу organizations and new еntrаntѕ – іn a fast-changing environment.
Fintech – Opportunitieshttps://goo.gl/r600b9Fіnаnсіаl tесhnоlоgу, аlѕо knоwn аѕ FіnTесh, is a lіnе оf buѕіnеѕѕ bаѕеd оn uѕіng ѕоftwаrе tо рrоvіdе fіnаnсіаl ѕеrvісеѕ. Financial tесhnоlоgу соmраnіеѕ are gеnеrаllу startups founded wіth the purpose of dіѕruрtіng incumbent fіnаnсіаl ѕуѕtеmѕ аnd соrроrаtіоnѕ that rely lеѕѕ оn ѕоftwаrе.‘Fіntесh’ іѕ a рhrаѕе іnсrеаѕіnglу bаndеd аbоut іn the media аnd in tесhnоlоgу circles. Yеt despite bеіng in vogue, іt’ѕ a tеrm mаnу – including tесh ѕаvvу аnd сluеd up еntrерrеnеurѕ – don’t quite have a handle on.Indееd, іt’ѕ a frеѕh еnоugh tеrm tо not yet feature in thе оnlіnе vеrѕіоn оf the Oxfоrd dісtіоnаrу.It’ѕ іmроrtаnсе, hоwеvеr, cannot bе dеnіеd. Onе thing іt іѕ сеrtаіnlу not іѕ a buzzwоrd. Fіntесh іѕ an аrеа that іѕ radically сhаngіng hоw wе lіvе аѕ ѕосіеtу and how wе dо buѕіnеѕѕ рrоfеѕѕіоnаllу.What іѕ fіntесh?Aѕ a dеfіnіtіоn, Fіntесh іѕ uѕuаllу аррlіеd tо thе ѕеgmеnt оf the tесhnоlоgу startup ѕсеnе thаt іѕ disrupting sectors ѕuсh аѕ mоbіlе рауmеntѕ, money trаnѕfеrѕ, loans, fundraising and еvеn аѕѕеt mаnаgеmеnt.Rеdсlауѕ: Redclays Capital is a Venture Capital firm fосuѕ іn еmеrgіng соmраnіеѕ wіth a fаѕt grоwth роtеntіаl, іnvеѕtіng frоm еаrlу stage tо grоwth expansion.Cоmbіnіng fіntесh аnd Rеdсlауѕ, wе gеt Fіntесh Rеdсlауѕ саріtаl whісh means more focus to invest from rеdсlау capitals for , fintech ѕtаrtuрs from Bangalore, other major cities in IndiaWhу fіntесh matters tо the buѕіnеѕѕ worldThе rіѕе of fintech hаѕ fоrеvеr сhаngеd the way соmраnіеѕ dо business. Thе trаdіtіоnаl mоdеl оf a nеw buѕіnеѕѕ turnіng dіrесtlу tо іtѕ lосаl hіgh street bаnk аnd/оr a соnvеntіоnаl іnvеѕtоr іѕ nо longer the оnlу game in town. Fintech start up Indіа has rеаllу hеlреd a lоt of entrepreneurs tо grоw thеіr fіnаnсе.From сrоwd ѕоurсіng tо mоbіlе рауmеntѕ, thеrе hаѕ nеvеr bееn аѕ muсh сhоісе tо еntrерrеnеurѕ as thеrе is рrеѕеntlу. It’ѕ nеvеr been cheaper tо not оnlу ѕеt-uр уоur buѕіnеѕѕ, but аlѕо to еxраnd іt.Redclays Capital is already made a investment in Crоwdfunding startup Crowdnext Bangalore , fоr еxаmрlе, allows реорlе wіth bіg іdеаѕ tо gеt fundіng quickly аnd еаѕіlу frоm anywhere іn the wоrld frоm people thеу hаvе nеvеr mеt. Instead of months оf investor talks, еntrерrеnеurѕ саn – thаnkѕ to the ѕhор-wіndоw thаt іѕ the іntеrnеt – pitch dіrесtlу tо the wоrld. Thоѕе wіth the magic tоuсh саn ѕее the fundѕ rоll іn within a matter of wееkѕ rather thаn mоnthѕ.Trаnѕfеrrіng mоnеу асrоѕѕ bоrdеrѕ, a bаnе of еntrерrеnеur’ѕ lives since time іmmеmоrіаl, is another аrеа thаt іѕ bеіng reworked аnd rеfrаmеd bу innovators. Trаnѕfеr Wіѕе hаѕ turnеd the trаdіtіоnаl (аnd expensive) banking ѕоlutіоn to ѕеndіng mоnеу асrоѕѕ borders оn its hеаd and еnаblеѕ small fіrmѕ аnd іndіvіduаlѕ tо trаnѕfеr money far сhеареr than was рrеvіоuѕlу possible.The аbоvе are juѕt a соuрlе оf the many wауѕ in whісh fintech has mаdе it еаѕіеr tо dо business and lоwеr соѕtѕ. Fіntесh fіrmѕ can pass оn hugе ѕаvіngѕ аѕ thеу are fаr mоrе аgіlе than trаdіtіоnаl banks, nоt hаvіng the ѕаmе оvеrhеаdѕ аnd соmmіtmеnt bаnkѕ аrе blessed (аnd burdened) wіth. Thеіr rеlаtіvе lасk оf ѕіzе also аllоwѕ them tо іnnоvаtе and аdарt іn a wау bіggеr corporations саn оnlу drеаm of.Hоw fintech сhаngеd the сuѕtоmеrThe rіѕе of the Smаrtрhоnе has mаѕѕіvеlу сhаngеd the bеhаvіоr оf соnѕumеrѕ. Thanks tо the ‘аlwауѕ оnlіnе’ сulturе wе lіvе іn tоdау – аnd the рrоlіfеrаtіоn of ѕеrvісеѕ аnd apps thаt fееd it – реорlе can nоt оnlу ассеѕѕ іnfоrmаtіоn аnd dаtа thеу hаd never previously been able tо, thеу саn do ѕо whilst wаіtіng fоr a buѕ.Whеthеr it’s checking their оnlіnе ассоunt оr setting up an online investment роrtfоlіо, people nоw еxресt to handle financial affairs as easily аnd соnvеnіеntlу аѕ they dо thеіr email оr Fасеbооk раgе. It’ѕ a hugе орроrtunіtу fоr buѕіnеѕѕеѕ аnd soon nо еntеrрrіѕе wіll ѕuссееd and flоurіѕh without thе right fintech ѕеrvісеѕ in place.At іѕtlе, for іnѕtаnсе, we іdеntіfіеd thаt 20 mіllіоn ѕmаll businesses іn Eurоре dо nоt take ассерt сrеdіt or dеbіt card рауmеntѕ. With thе knоwlеdgе thаt every buѕіnеѕѕ that dоеѕn’t ассерt card-payments mіѕѕеѕ оut оn ѕаlеѕ, іt should be оf concern to аll оf uѕ thаt ѕо mаnу оf thеm асrоѕѕ Eurоре dо nоt. Especially given that thеѕе ѕmаll buѕіnеѕѕеѕ are іn a very real ѕеnѕе thе есоnоmіс hеаrtbеаt of the соntіnеnt.Wе found thаt the primary bаrrіеr tо еntrу into рrосеѕѕіng саrd рауmеntѕ wаѕ соѕt. Bу turning a dеvісе mіllіоnѕ оf реорlе аlrеаdу оwnеd – a mobile рhоnе – into a роіnt of ѕаlеѕ system wе wеrе аblе tо offer millions of businesses and individuals the сhаnсе tо take payments juѕt like thе lаrgеr соrроrаtіоnѕ thеу соmреtе with. It аlѕо рrоvіdеѕ a unіԛuе іnѕіght into thеіr customers through sophisticated analytics tools рrеvіоuѕlу аvаіlаblе only to lаrgеr buѕіnеѕѕеѕ.In thіѕ way fіntесh is a great lеvеlеr. Cuѕtоmеrѕ, hоwеvеr unfаіrlу, expect the ѕаmе rаngе оf ѕеrvісеѕ from a ѕmаll firm as they dо a lаrgеr оnе, аnd tесhnоlоgу аllоwѕ Dаvіd tо соmреtе wіth Gоlіаth on a fаr mоrе еvеn fооtіng.Fintech hаѕ оnlу just got startedThe rise оf fintech has ореnеd up a world of possibilities. Buѕіnеѕѕеѕ can оffеr mоrе ѕеrvісеѕ thаn еvеr аnd fоr a frасtіоn of the price оf what it would hаvе соѕt before.Entrерrеnеurѕ nееd tо vіеw kееріng uр tо date wіth fіntесh dеvеlорmеntѕ аѕ a vіtаl part оf thеіr dаіlу lіfе. Being aware оf the latest opportunities and dеvеlорmеntѕ within the field wіll оnlу іmрrоvе уоur buѕіnеѕѕ and hеlр уоu ѕtау аt thе fоrеfrоnt оf уоur market.Agility аnd аdарtаbіlіtуThe rеѕроnѕе tо FinTechs wіll differ for each organization, аѕ thеу may buіld a ѕоlutіоn internally, асԛuіrе a FіnTесh, оr іndееd partner wіth оnе. And, whіlе uѕurріng the threat оf FinTech by buуіng оr mеrgіng wіth one mау rеlіеvе the іmmеdіаtе рrеѕѕurе оn the bаnk, it is nоnеthеlеѕѕ vital to еffесtіvеlу incorporate the іnnоvаtіvе іnfluеnсе of thе FіnTесh іntо thе acquiring оrgаnіzаtіоn.“FіnTесhѕ focus оn being rеlеvаnt. They are agile, quick to аdарt tо сhаngеѕ and are able to seize орроrtunіtіеѕ, ” nоtеѕ Thibault Villet, Cо-Fоundеr and Chіеf Executive Offісеr, Mеі.соm. “While banks are heavily rеgulаtеd аnd соnѕіdеr rіѕkѕ bеfоrе аnуthіng еlѕе, FіnTесhѕ put сuѕtоmеr needs fіrѕt, ” hе аddѕ.Embrасіng сhаngеGіvеn their аgіlіtу аnd hіghlу іnnоvаtіvе сараbіlіtіеѕ, trаdіtіоnаl financial Inѕtіtutіоnѕ саn lеаrn from FinTechs. Indееd, thеу саn іnсоrроrаtе innovative methods in order to ѕtау rеlеvаnt tо thеіr customers аnd соmреtіtіvе against players – bоth lеgасу organizations and new еntrаntѕ – іn a fast-changing environment.
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nt Global ? https://goo.gl/r600b9Sometime back I was going through an article in BusinessToday which focused on the year 2012 and what investors can expect out of India. It clearly stated many challenges that India will face as a hangover from 2011 and 2010, but it also stated that ‘foreign institutional investor inflows have a huge influence on our markets. For instance, in 2007, FIIs pumped in $16 billion and the market rose 44%. This was followed by a 45% drop in 2008 when FIIs took out $12 billion. In 2009, the Sensex rose 85% amid FII inflows of $19 billion. It rose 25% in 2010 when FIIs invested $30 billion.’So the big question here is whether the foreign investors will return in 2012?Another is, can the domestic investor make up for it?The Indian market is nascent and immature, when compared to the developed market. But the outlook will change in the coming year when the full potential of Private Equity industry will be accomplished by embarking on a restricting of bond market and leveraged buyout transactions (LBO), which is still in a very nascent stage in India.When you compare the domestic investor with the global investor, there are a lot of constraints the former faces. The factor driving behind the domestic fund is the difficulty in return of capital as redemptions are done only through profits and buyback of shares by a company is restricted to a maximum of 25% of its paid up capital. Winding up domestic fund is exceedingly time consuming and cumbersome. And Debt Market is too high compared to the US & European market.The bulk of new capital is available from Global investors, which made more investment flow using various fund raising strategies like LBO, Bond Market structuring and Private Placements.Positively, if there is a dip in investor interest from the Global Player, it will only remain for a short term. There is a huge surge in Indian fund houses to setup modules in Mauritius and Singapore to attract global investors and working with fund raising strategies like credit swap and overseas listing.I believe the global investors will definitely find India more attractive if the policies are tweaked and inflation has a formal support; there are improvised systems in place for food item and raw material supply for the industry.But for now, yes, the domestic investor needs to look up to see the global investor.
Midget Domestic, Giant Global ? https://goo.gl/r600b9Sometime back I was going through an article in BusinessToday which focused on the year 2012 and what investors can expect out of India. It clearly stated many challenges that India will face as a hangover from 2011 and 2010, but it also stated that ‘foreign institutional investor inflows have a huge influence on our markets. For instance, in 2007, FIIs pumped in $16 billion and the market rose 44%. This was followed by a 45% drop in 2008 when FIIs took out $12 billion. In 2009, the Sensex rose 85% amid FII inflows of $19 billion. It rose 25% in 2010 when FIIs invested $30 billion.’So the big question here is whether the foreign investors will return in 2012?Another is, can the domestic investor make up for it?The Indian market is nascent and immature, when compared to the developed market. But the outlook will change in the coming year when the full potential of Private Equity industry will be accomplished by embarking on a restricting of bond market and leveraged buyout transactions (LBO), which is still in a very nascent stage in India.When you compare the domestic investor with the global investor, there are a lot of constraints the former faces. The factor driving behind the domestic fund is the difficulty in return of capital as redemptions are done only through profits and buyback of shares by a company is restricted to a maximum of 25% of its paid up capital. Winding up domestic fund is exceedingly time consuming and cumbersome. And Debt Market is too high compared to the US & European market.The bulk of new capital is available from Global investors, which made more investment flow using various fund raising strategies like LBO, Bond Market structuring and Private Placements.Positively, if there is a dip in investor interest from the Global Player, it will only remain for a short term. There is a huge surge in Indian fund houses to setup modules in Mauritius and Singapore to attract global investors and working with fund raising strategies like credit swap and overseas listing.I believe the global investors will definitely find India more attractive if the policies are tweaked and inflation has a formal support; there are improvised systems in place for food item and raw material supply for the industry.But for now, yes, the domestic investor needs to look up to see the global investor.
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.https://goo.gl/r600b9Last year saw Venture capital winning all the tracks in competition with the private equity. Although no records were set, it clearly indicated that India is now witnessing entrepreneurs with some great innovative ideas. The gold medal that the VCs got last year is surely in millions of dollars, a result, I believe, came through discipline.According to the Economic Times, investment in start-ups and early-stage companies totalled just $300 million in 2010. But last year, it expanded more than four-fold, making up $1.2 billion of the $9.3 billion in total risk capital. On the other hand, the proportion of growth capital investment in more mature companies fell to 61% from 83%.VC, world over is at the level which both banking and private equity crossed before. In India too it is no different. As the second fastest growing economy, India has shown a unique business culture which has shown amazing results in terms of growth for every stakeholder. This growth story will attract more number of mature VC/PE investments in coming years.Of course, it is conditional to the point that there has to be a liberal policy change in allowing investment in restricted sectors, particularly in retail market, initializing a Bond Market & LBO transaction…all leading to a mature stage in the Indian Investment Market.The Indian investment market had anticipated that the deal activity will increase reasonably in 2011 from the already better levels of 2010. While they see deal-making opportunities across all sectors, they have better pipeline and the Investors are bullish about Infrastructure, consumer products and healthcare sectors.Surely there are challenges. The main being the challenge of valuation, which is high priced relative to the other emerging markets. Large numbers in terms of funds with dry capital to be invested are chasing the same verticals and companies which drive high valuations. The other challenge is in terms of structuring of deals, and there are regulatory limitations involved in structuring of some transactions. As markets progress, I would expect to see more favorable regulations from the policy makers towards FDI.But then, I would quote from Financial Times which recently quoted a Venture capitalist – “Our greatest enemy is losing our discipline. We did that once and it took a lot of time and work to rectify it. We know the consequences of binge investing and we don’t want to go back to rehab.”Yes, it is sometimes much to the advantage of those who keep low and are disciplined. It surely does work well and in India, discipline definitely pays.
When Discipline pays.https://goo.gl/r600b9Last year saw Venture capital winning all the tracks in competition with the private equity. Although no records were set, it clearly indicated that India is now witnessing entrepreneurs with some great innovative ideas. The gold medal that the VCs got last year is surely in millions of dollars, a result, I believe, came through discipline.According to the Economic Times, investment in start-ups and early-stage companies totalled just $300 million in 2010. But last year, it expanded more than four-fold, making up $1.2 billion of the $9.3 billion in total risk capital. On the other hand, the proportion of growth capital investment in more mature companies fell to 61% from 83%.VC, world over is at the level which both banking and private equity crossed before. In India too it is no different. As the second fastest growing economy, India has shown a unique business culture which has shown amazing results in terms of growth for every stakeholder. This growth story will attract more number of mature VC/PE investments in coming years.Of course, it is conditional to the point that there has to be a liberal policy change in allowing investment in restricted sectors, particularly in retail market, initializing a Bond Market & LBO transaction…all leading to a mature stage in the Indian Investment Market.The Indian investment market had anticipated that the deal activity will increase reasonably in 2011 from the already better levels of 2010. While they see deal-making opportunities across all sectors, they have better pipeline and the Investors are bullish about Infrastructure, consumer products and healthcare sectors.Surely there are challenges. The main being the challenge of valuation, which is high priced relative to the other emerging markets. Large numbers in terms of funds with dry capital to be invested are chasing the same verticals and companies which drive high valuations. The other challenge is in terms of structuring of deals, and there are regulatory limitations involved in structuring of some transactions. As markets progress, I would expect to see more favorable regulations from the policy makers towards FDI.But then, I would quote from Financial Times which recently quoted a Venture capitalist – “Our greatest enemy is losing our discipline. We did that once and it took a lot of time and work to rectify it. We know the consequences of binge investing and we don’t want to go back to rehab.”Yes, it is sometimes much to the advantage of those who keep low and are disciplined. It surely does work well and in India, discipline definitely pays.
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air https://goo.gl/r600b9INSEAD’s, the world’s leading business school, study of private equity in the markets of China and India in the recent past have revealed that PE performance in both these countries is less linked to public equity trends than in Western markets, but originates more from company and deal situation specifics.I would believe that PE investing in China is growth capital investment; providing a growing company with capital to build factories or expand its distribution channels. It works in China unlike PE investing US or Europe. Aptly put in a recent report on China’s PE, in the country, ‘PE firms support winners. In the rest of the world, PE firms generally try to heal the wounded.’In India, the PE market is fragmented, often involving family owned businesses and minority stakes, and with little to no opportunities for leveraged buy-outs. Caution is a good word mainly around governance, income tax and general regulatory issues, which remain as major challenges in the country.Coming to PE exits in these two countries; in China majority of exits happen through public markets. Here private equity investment gives local companies a chance to jump the IPO queue because an outside investor is seen as an endorsement of the firm. In India, on the contrary, mergers and acquisitions have dominated exits with more than two thirds of deals exited this way.The INSEAD study states that while exits are clustered around times of strong stock market performance in China, in India exits are spread out more evenly over time. Definitely, there is a clear trend toward a shorter holding period for private equity investments in both these markets. In China, the holding period from the initial investment to the first exit had shrunk to just under two years and in India to just over two years prior to the financial crisis, although holding periods may have lengthened since then.But unlike China, PE exits in India continue to be stricken with difficulties; the state of the capital markets adding pain to the IPO avenue.Both these markets, I believe have a strong character to it, in their differences, be it investing or exiting, but definitely for the world of PE, these two (along with Brazil) will be where their money will vacation.
China-India’s PE affair https://goo.gl/r600b9INSEAD’s, the world’s leading business school, study of private equity in the markets of China and India in the recent past have revealed that PE performance in both these countries is less linked to public equity trends than in Western markets, but originates more from company and deal situation specifics.I would believe that PE investing in China is growth capital investment; providing a growing company with capital to build factories or expand its distribution channels. It works in China unlike PE investing US or Europe. Aptly put in a recent report on China’s PE, in the country, ‘PE firms support winners. In the rest of the world, PE firms generally try to heal the wounded.’In India, the PE market is fragmented, often involving family owned businesses and minority stakes, and with little to no opportunities for leveraged buy-outs. Caution is a good word mainly around governance, income tax and general regulatory issues, which remain as major challenges in the country.Coming to PE exits in these two countries; in China majority of exits happen through public markets. Here private equity investment gives local companies a chance to jump the IPO queue because an outside investor is seen as an endorsement of the firm. In India, on the contrary, mergers and acquisitions have dominated exits with more than two thirds of deals exited this way.The INSEAD study states that while exits are clustered around times of strong stock market performance in China, in India exits are spread out more evenly over time. Definitely, there is a clear trend toward a shorter holding period for private equity investments in both these markets. In China, the holding period from the initial investment to the first exit had shrunk to just under two years and in India to just over two years prior to the financial crisis, although holding periods may have lengthened since then.But unlike China, PE exits in India continue to be stricken with difficulties; the state of the capital markets adding pain to the IPO avenue.Both these markets, I believe have a strong character to it, in their differences, be it investing or exiting, but definitely for the world of PE, these two (along with Brazil) will be where their money will vacation.
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 Middle https://goo.gl/r600b9In the recent past, the middle market has been able to hold its own quite well compared to the big-deal market. Middle-market currently are those transactions with enterprise values of $10 million to $250 million and this small to mid-sized sector of the market might be the sweet spot for investors.Not long ago, the focus was mainly on highly leveraged transactions predicated on financial engineering. But today, value creation through operational improvement has become vital to generating returns. This shift has changed the way deals are sourced, financed, and executed- and in turn the skills necessary to succeed.The spike in the middle market reflects continued improvement in the overall mergers & acquisitions landscape. It is been widely accepted that the trends that have driven this activity are improvement in corporate performance, increases in public equity values, and increased availability of capital. Those are trends that affected larger companies in the private equity world first, and they worked their way down to the middle market and the emergence of these trends in the middle market is a bright sign that the recovery in the capital markets is solidifying.As private equity trends have gained visibility and affected investment opportunity in the middle market private equity sector, it is important to have a broad perspective on their current and emerging impact – how they developed?, what is driving them?, how widespread they have become?, how they affect market participants?, and what challenges they create for the middle market?To understand these there is definite need to explore several aspects like the impact of the credit crunch, the explosion of cross-border M& A activity, the proliferation of operational partners, the emergence of sovereign wealth funds, the middle-market compensation squeeze, and hot sectors for investment.Then there is another trend within the mid-market buyout. The growing disparity in premiums paid for smaller mid-market buyouts ($10m-$25m enterprise value) and larger mid-market buyouts ($100m-$250m). One reason that smaller businesses are at more of a discount is because cash flow-based lending has not yet come back, which means that the low valuations are a problem for buyers as well as for sellers.Mid-market buyout investing is particularly interesting for a number of reasons, including attractive acquisition multiples; reduced competition for smaller non-auctioned businesses; opportunity to add value and scale; and strong exit opportunities.Many of these companies targeted by mid-market buyout managers operate in highly fragmented industries and are entrepreneur-founded, and/or family-owned businesses undergoing generational change. They present significant opportunities for mid-market buyout managers to create value through consolidation and professionalization of business operations, which make them attractive acquisition targets for strategic and larger financial buyers.On the whole, typical minority private equity investments have internal rates of return expectations of 10-15%, while mid-market buyout returns could be 30-40% or even more, as per industry norms.So, private equity firms are returning to the days where they spend substantially more time looking for quality companies to invest in, and they are performing more thorough due diligence rather than jumping in to an investment headfirst.And here the middle market is definitely a big catch.
The Market is in the Middle https://goo.gl/r600b9In the recent past, the middle market has been able to hold its own quite well compared to the big-deal market. Middle-market currently are those transactions with enterprise values of $10 million to $250 million and this small to mid-sized sector of the market might be the sweet spot for investors.Not long ago, the focus was mainly on highly leveraged transactions predicated on financial engineering. But today, value creation through operational improvement has become vital to generating returns. This shift has changed the way deals are sourced, financed, and executed- and in turn the skills necessary to succeed.The spike in the middle market reflects continued improvement in the overall mergers & acquisitions landscape. It is been widely accepted that the trends that have driven this activity are improvement in corporate performance, increases in public equity values, and increased availability of capital. Those are trends that affected larger companies in the private equity world first, and they worked their way down to the middle market and the emergence of these trends in the middle market is a bright sign that the recovery in the capital markets is solidifying.As private equity trends have gained visibility and affected investment opportunity in the middle market private equity sector, it is important to have a broad perspective on their current and emerging impact – how they developed?, what is driving them?, how widespread they have become?, how they affect market participants?, and what challenges they create for the middle market?To understand these there is definite need to explore several aspects like the impact of the credit crunch, the explosion of cross-border M& A activity, the proliferation of operational partners, the emergence of sovereign wealth funds, the middle-market compensation squeeze, and hot sectors for investment.Then there is another trend within the mid-market buyout. The growing disparity in premiums paid for smaller mid-market buyouts ($10m-$25m enterprise value) and larger mid-market buyouts ($100m-$250m). One reason that smaller businesses are at more of a discount is because cash flow-based lending has not yet come back, which means that the low valuations are a problem for buyers as well as for sellers.Mid-market buyout investing is particularly interesting for a number of reasons, including attractive acquisition multiples; reduced competition for smaller non-auctioned businesses; opportunity to add value and scale; and strong exit opportunities.Many of these companies targeted by mid-market buyout managers operate in highly fragmented industries and are entrepreneur-founded, and/or family-owned businesses undergoing generational change. They present significant opportunities for mid-market buyout managers to create value through consolidation and professionalization of business operations, which make them attractive acquisition targets for strategic and larger financial buyers.On the whole, typical minority private equity investments have internal rates of return expectations of 10-15%, while mid-market buyout returns could be 30-40% or even more, as per industry norms.So, private equity firms are returning to the days where they spend substantially more time looking for quality companies to invest in, and they are performing more thorough due diligence rather than jumping in to an investment headfirst.And here the middle market is definitely a big catch.
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recovery pathhttps://goo.gl/r600b9The government is bullish but one should be cautiously optimistic.Good news is flowing in from the Centre. The Prime Minister’s Economic Advisory Council (EAC) has just projected that in the current financial year (2013-14) Indian economy will bounce back from the low it reached in the last financial year. EAC has projected the GDP in 2013-14 will be 6.4 per cent as against the estimated 5.0 per cent in the last financial year. The government’s forecast follows International Monetary Fund’s report last week which also projected better growth prospects for the country.It is expected that the reform measures taken by the government in the second half of 2012, will start showing positive results from the first half of 2013-14 and will pick up further momentum in the second half. Normal monsoon predictions resulting in decent agricultural growth and the resumption of iron ore mining will also add to the economy’s well-being.This only shows that the ‘India story’ is still alive despite an unusually bad year in 2012-13. In fact, according a study by a Mumbai-based bank, in the last 12 months Indian stock market provided the highest return among the BRICS (Brazil, Russia, India, China and South Africa) countries. The economy is also getting support from the drop in international prices of crude oil, gold and coal, the three together form a large part of India’s import basket.Surely, with early signs of recovery, the optimism is back. But it can be short lived if things do not pan out the way they are projected. Moreover, not all are equally positive as the sharp drop in venture capital funding activities in India in the quarter that ended on 31 March 2013 was a disappointing news. According to VCC Edge the private equity (PE) investments in the first quarter of 2013 were pegged at $1.8 billion spread across 123 deals, significantly lower than $2.4 billion spread across 186 deals during the same period in 2012.After ruling high in the last financial year, inflation has softened in the recent months. This, in turn, has created a clamour for a reduction in interest rates by the RBI. If the central bank listen to the plea, interest rates could come down between 50-100 bps in the near future.  If that will spur growth is debatable, but the cost of money will come down. There are also concerns if the government’s fiscal deficit targets would be met, and, more so, in view of the lack of robust growth in tax revenue.On the foreign trade front too things are bleak as demand contraction in Europe and USA has curtailed exports. Imports, on the other hand, driven mainly by crude oil, fertiliser and gold, continued to remain high, creating a widening gap in current account deficit. Sensing the uncertain time ahead, the foreign institutional investors (FII) have started pulling out their money. FII’s invested a net amount of Rs 138, 586 crore in Indian equity shares in the financial year 2012-13, but in the first 17 days of April 2013, they have net sold Rs 666 crore worth of equity.The government’s efforts to put the economy back on the track can also get derailed if some structural issues are not tackled. After reviving the process of economic reform in the last quarter of 2012, the government should continue to undertake bigger reforms even if there are stiff oppositions. Such acts will help boost business confidence in the country and may also help get more foreign direct investments. Of course, the compulsions of coalition politics may restrain or slow down the reform process to the dismay of pro-reform lobbyists. With the general elections due in the middle of 2014, some expect it to take place around November this year, it is likely that the government will take some radical steps to boost business confidence. It may also resort to large spendings in welfare measures and big projects that can boost rural demand. But the possibility of an even weaker government in the next parliament is a cause of worry.Another structural issue that needs to be tackled is the over-leveraging of Indian companies, particularly the big groups, and their increasing inability to service debt. According to a study by Equitymaster.com, 177 non-financial Indian companies have raised their capital expenditure five times to Rs 10, 892 crore in the last seven years, hoping to cash in from the bullish growth prospects. Funded mainly with borrowed money, these companies are now finding it difficult to service debts as new assets are grossly underutilized due to lack of demand. Consequently, banks are now sitting on NPA levels larger than last year.In all, its an uncertain stretch of an otherwise certain highway to progress. The optimistic shall be appropriately rewarded !
Indian economy on a recovery pathhttps://goo.gl/r600b9The government is bullish but one should be cautiously optimistic.Good news is flowing in from the Centre. The Prime Minister’s Economic Advisory Council (EAC) has just projected that in the current financial year (2013-14) Indian economy will bounce back from the low it reached in the last financial year. EAC has projected the GDP in 2013-14 will be 6.4 per cent as against the estimated 5.0 per cent in the last financial year. The government’s forecast follows International Monetary Fund’s report last week which also projected better growth prospects for the country.It is expected that the reform measures taken by the government in the second half of 2012, will start showing positive results from the first half of 2013-14 and will pick up further momentum in the second half. Normal monsoon predictions resulting in decent agricultural growth and the resumption of iron ore mining will also add to the economy’s well-being.This only shows that the ‘India story’ is still alive despite an unusually bad year in 2012-13. In fact, according a study by a Mumbai-based bank, in the last 12 months Indian stock market provided the highest return among the BRICS (Brazil, Russia, India, China and South Africa) countries. The economy is also getting support from the drop in international prices of crude oil, gold and coal, the three together form a large part of India’s import basket.Surely, with early signs of recovery, the optimism is back. But it can be short lived if things do not pan out the way they are projected. Moreover, not all are equally positive as the sharp drop in venture capital funding activities in India in the quarter that ended on 31 March 2013 was a disappointing news. According to VCC Edge the private equity (PE) investments in the first quarter of 2013 were pegged at $1.8 billion spread across 123 deals, significantly lower than $2.4 billion spread across 186 deals during the same period in 2012.After ruling high in the last financial year, inflation has softened in the recent months. This, in turn, has created a clamour for a reduction in interest rates by the RBI. If the central bank listen to the plea, interest rates could come down between 50-100 bps in the near future. If that will spur growth is debatable, but the cost of money will come down. There are also concerns if the government’s fiscal deficit targets would be met, and, more so, in view of the lack of robust growth in tax revenue.On the foreign trade front too things are bleak as demand contraction in Europe and USA has curtailed exports. Imports, on the other hand, driven mainly by crude oil, fertiliser and gold, continued to remain high, creating a widening gap in current account deficit. Sensing the uncertain time ahead, the foreign institutional investors (FII) have started pulling out their money. FII’s invested a net amount of Rs 138, 586 crore in Indian equity shares in the financial year 2012-13, but in the first 17 days of April 2013, they have net sold Rs 666 crore worth of equity.The government’s efforts to put the economy back on the track can also get derailed if some structural issues are not tackled. After reviving the process of economic reform in the last quarter of 2012, the government should continue to undertake bigger reforms even if there are stiff oppositions. Such acts will help boost business confidence in the country and may also help get more foreign direct investments. Of course, the compulsions of coalition politics may restrain or slow down the reform process to the dismay of pro-reform lobbyists. With the general elections due in the middle of 2014, some expect it to take place around November this year, it is likely that the government will take some radical steps to boost business confidence. It may also resort to large spendings in welfare measures and big projects that can boost rural demand. But the possibility of an even weaker government in the next parliament is a cause of worry.Another structural issue that needs to be tackled is the over-leveraging of Indian companies, particularly the big groups, and their increasing inability to service debt. According to a study by Equitymaster.com, 177 non-financial Indian companies have raised their capital expenditure five times to Rs 10, 892 crore in the last seven years, hoping to cash in from the bullish growth prospects. Funded mainly with borrowed money, these companies are now finding it difficult to service debts as new assets are grossly underutilized due to lack of demand. Consequently, banks are now sitting on NPA levels larger than last year.In all, its an uncertain stretch of an otherwise certain highway to progress. The optimistic shall be appropriately rewarded !
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y?https://goo.gl/r600b9Passive Investing or Active Investing, Active or Passive Management – the debate over the merits and shortcomings of active versus passive management that began several decades ago remains ongoing. Reports on the topic by investment professionals and academics continue to be published unabated and seem to be one of the investment world’s more popular literary pursuits.In many prominent quarters, passive management is gaining market share, especially among institutions, for good reason. Long-term results have favored this strategy, most notably among large capitalization stocks and in bonds as well. What’s more, investors have been inundated with advice by the media and academia to invest passively after watching their active managers perform poorly over the last 3-4 years.You do need a minimum standard of education to understand what you’re doing and choose a sensible selection of funds, but the passive route should ensure that fees are minimised, returns are maximised and risk is as high or low as you want it to be. Also, passive investors will develop a much greater understanding of their investments over time, and should find the process far more enjoyable as a result.I have heard, read and experienced that passive management can be effectively utilized by investors, especially when they are considering investments in the highly efficient large cap universe. Clearly, this strategy is preferable to selecting active managers who are ‘closet indexers’ struggling to perform net of fees, expenses and taxes. It is believed that it is also appropriate for those investors who seek broad diversification, are comfortable with the configuration of indexes and can live with their drawbacks.As pointed out by few experts in the equity business, the distinction between passive and active is not very sharp anywhere in the world, but on average you would expect that an active investor would at least be involved at the board level in terms of strategy setting, and would be more actively engaged in receiving and processing information at the board level. Sometimes, it can get more involved than that, for instance, they might be pretty closely involved in setting up a 100 day plan etc.In terms of what we see in India, it is believed by some experts that not much information is available in the public domain, but from the available information, one understands that the investors do take board decisions, however they pretty much leave it to the incumbent management or the new management to run the business. They don’t do the kind of things that private equity players like KKR or Carlyle do with their investments in the US or Europe. So, it seems to be more of a passive approach.Another point which proponents for passive investing usually point out is that typically 80-90% of the returns comes from asset allocation, and the balance comes from stock selection. In layman terms, this means that if you happen to be in the right asset class (for example, equity) at the right time, you can literally close your eyes and buy any equity and you should register gains. Furthermore, there is no guarantee that the returns which come from stock selection will be positive but it is almost a given that the expense ratio for such funds will be higher than that of the index funds.At the same time, there may be an important role for active management as well, even beyond the inefficient markets referred to earlier. Indexes are far from perfect and may not accurately reflect a manager’s strategy or target universe or, for that matter, the investor’s objectives. Moreover, the performance of active and passive strategies runs in cycles.Active managers might also be able to exploit what promises to be a different and undoubtedly more complex economic and investment environment than anything we have witnessed in our lifetimes.The active versus passive debate does not yield a clear-cut solution that would eliminate one or the other. There are just too many variables on both sides that raise questions while offering no unambiguous answers.So let’s just leave it to time and we may be quite surprised to know in a few years down the line that we were all the way treading the wrong path – actively or passively.
Actively or Passively?https://goo.gl/r600b9Passive Investing or Active Investing, Active or Passive Management – the debate over the merits and shortcomings of active versus passive management that began several decades ago remains ongoing. Reports on the topic by investment professionals and academics continue to be published unabated and seem to be one of the investment world’s more popular literary pursuits.In many prominent quarters, passive management is gaining market share, especially among institutions, for good reason. Long-term results have favored this strategy, most notably among large capitalization stocks and in bonds as well. What’s more, investors have been inundated with advice by the media and academia to invest passively after watching their active managers perform poorly over the last 3-4 years.You do need a minimum standard of education to understand what you’re doing and choose a sensible selection of funds, but the passive route should ensure that fees are minimised, returns are maximised and risk is as high or low as you want it to be. Also, passive investors will develop a much greater understanding of their investments over time, and should find the process far more enjoyable as a result.I have heard, read and experienced that passive management can be effectively utilized by investors, especially when they are considering investments in the highly efficient large cap universe. Clearly, this strategy is preferable to selecting active managers who are ‘closet indexers’ struggling to perform net of fees, expenses and taxes. It is believed that it is also appropriate for those investors who seek broad diversification, are comfortable with the configuration of indexes and can live with their drawbacks.As pointed out by few experts in the equity business, the distinction between passive and active is not very sharp anywhere in the world, but on average you would expect that an active investor would at least be involved at the board level in terms of strategy setting, and would be more actively engaged in receiving and processing information at the board level. Sometimes, it can get more involved than that, for instance, they might be pretty closely involved in setting up a 100 day plan etc.In terms of what we see in India, it is believed by some experts that not much information is available in the public domain, but from the available information, one understands that the investors do take board decisions, however they pretty much leave it to the incumbent management or the new management to run the business. They don’t do the kind of things that private equity players like KKR or Carlyle do with their investments in the US or Europe. So, it seems to be more of a passive approach.Another point which proponents for passive investing usually point out is that typically 80-90% of the returns comes from asset allocation, and the balance comes from stock selection. In layman terms, this means that if you happen to be in the right asset class (for example, equity) at the right time, you can literally close your eyes and buy any equity and you should register gains. Furthermore, there is no guarantee that the returns which come from stock selection will be positive but it is almost a given that the expense ratio for such funds will be higher than that of the index funds.At the same time, there may be an important role for active management as well, even beyond the inefficient markets referred to earlier. Indexes are far from perfect and may not accurately reflect a manager’s strategy or target universe or, for that matter, the investor’s objectives. Moreover, the performance of active and passive strategies runs in cycles.Active managers might also be able to exploit what promises to be a different and undoubtedly more complex economic and investment environment than anything we have witnessed in our lifetimes.The active versus passive debate does not yield a clear-cut solution that would eliminate one or the other. There are just too many variables on both sides that raise questions while offering no unambiguous answers.So let’s just leave it to time and we may be quite surprised to know in a few years down the line that we were all the way treading the wrong path – actively or passively.
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