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Cover Feature

CPI – SHOCKER OF A NUMBER

By Ruma Dubey about 7 days ago
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For the man on the street, life is tough, what with cost of living rising beyond his ability to earn. With interest rates also going up, the EMI burden for the middle class is only going to increase. Ukraine and Russia are at war but for most of us Indians, its been war times since 2020 - first against Covid and now prices.

MARKET SULKS AS RBI GOES ALL-OUT!

By Ruma Dubey about 15 days ago
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This is a very proactive and practical but extremely significant move made by the RBI. If it had sat on the rates even now, while staying worried only about consumption and growth, the impact would have been disastrous. The rate hike is the perfect move and it does warn us all about the storm raging ahead as far as inflation in concerned.

RBI – ASSUMES ROLE OF A LIGHTHOUSE AS STORM RAGES

By Ruma Dubey about 1 month ago
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When the entire globe is in a turmoil, its best to wait out the storm and allow things to settle before making major decisions – that’s how RBI’s MPC has viewed its take on interest rate decision. Hoping that the war troubles will end soon and crude will soon start retracting, while keeping an eye on inflation, which RBI thinks is not a big cause for worry, the MPC unanimously voted to maintain a status quo.

HUM SAB MEIN HAIN 'HERO?'

By Ruma Dubey about 2 months ago
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News headlines all over the country, almost all over, carried the news about the IT raid at Hero Moto and how the team recovered a racket of bogus expenses to the tune of Rs.1000 crore. Rs.1000 crore bogus expenses? That’s unthinkable for 99% of us Indians; for many, putting in a voucher for Rs.1000 and then waiting for it to get cleared in itself is a big deal.

RATE CYCLE REVERSED TO "HIKES" TRAIL

By Ruma Dubey about 2 months ago
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The Fed raised interest rates by a quarter percentage point and signaled six more such hikes this year. The Fed in its statement, said, inflation has been high due to broader price pressures and added that the war in Ukraine and related events are likely to create additional upward pressure on inflation.

MARKET VOLATILITY - LEAVING EVERYONE GIDDY

By Ruma Dubey about 2 months ago
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Based on over three decades of market ups and downs, living through the Gulf war, the WTC, Iraq, Obama,Osama, Trump and so many more geopolitical crisis, what can be said with 100% conviction is that in the end, everything does get alright – sab theek ho jayega is indeed true. When crisis happens, the markets are volatile and we have always found peace when we stay away at that time, till things settle down.

CRUDE – OUR POCKETS AND ECONOMY TO GET CHEWED!

By Ruma Dubey about 3 months ago
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Two years ago, we were looking at crude oil prices at $20/barrel and oil producing countries were crying barrels of tears. Today, they are a mighty happy lot what with crude nearing the three digit, $100/barrel mark. There is talk of $115, $114 and more such numbers doing the rounds. No one at this point of time is taking a call on the Sensex or the Nifty as all seem to have become busy plotting crude oil and the rupee’s trajectory.

UKRAINE CRISIS – STOCK UP!

By Ruma Dubey about 3 months ago
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So, even though there are war clouds on the horizon, the mood among the retail investors is optimistic – they are looking at the current situation as a blip and expect that in the end, like always, sab theek ho jayega. The long-term story is intact so they are not worried about the short term – its being looked upon more as an opportunity.

RBI STUNS WITH STATUS QUO

By Ruma Dubey about 3 months ago
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That’s what almost everyone felt today; it was almost a foregone conclusion that RBI would hike rates by at least 25 bps. But RBI today stayed put on the rates; it’s a status quo! And RBI also said that it has decided to stay the course on its accommodative stance "as long as necessary.”

BUDGET FY23 – HARNESSING THE ANIMAL POWER OF PVT SECTOR!

By Ruma Dubey about 4 months ago
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The Budget began as usual, almost like a tradition, with the FM telling us about the achievements made in the fiscal though this time around, poetry was sadly missing though there was a quoted from the Mahabharata. Thankfully, despite so many important states going into election, it did not have giveaways and sops. It stayed on course and one can even call it ‘non-populistic.’ It’s a bold and pragmatic budget.

ECONOMIC SURVEY - SNAKES & LADDER UP AHEAD

By Ruma Dubey about 4 months ago
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The Survey has laid a lot of importance on consumption growing to pre-pandemic levels led through Govt spending on infra and uptick in housing cycle helping revive the construction sector. Based on this commentary it would be safe to say that the Budget tomorrow will continue to focus on boosting the realty sector and increase consumer spending.

MARKET NOW NEEDS SITHARAMAN, DESPERATELY!

By Ruma Dubey about 4 months ago
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Forced by rising inflation, the US Fed Reserve yesterday night signaled a rate hike during its 15-16th March meet, very much what the global markets were all expecting. The Fed very clearly spelt out that we will be looking at not just March but a steady pace of increasing interest rates, at a much faster pace than what was anticipated.

HUMPTY DUMPTY HAD A GREAT FALL...

By Ruma Dubey about 4 months ago
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Wow!! What a week this has been. The color red has streaked Dalal Street a month before Valentine’s day. The fall of the indices has been relentless and throughout this entire week. On Monday, 17th Jan, the BSE lost a small 89 points – we all looked at it like a blip and usual correction but that set the mood for the rest of the day – something like zor ka jhatka dheere se lage!

PROJECT COMPLETION LINKED TO ELECTIONS

By Ruma Dubey about 4 months ago
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CMIE has put out a report stating that FY22 could end up breaking all record when it comes to project completion. Now that’s a huge achievement under the current circumstances but then again, its all thanks to the elections in UP. Does this all have to do with the upcoming elections in the state in Feb? Obviously! More than 36% of total project completion was from UP while under ‘no election’ period,

HIGH IQ = HIGH MARKET RETURNS?

By Ruma Dubey about 4 months ago
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The underlying lesson here – the stock markets still crumble the way they did 300 years ago and geniuses during each era make errors and those mistakes matter, because we all continue to repeat the same mistakes, over and over again. Forgetfulness is only one of the reasons bubbles happen again and again.

MACRO DATA OVERSHADOWED BY IT EARNINGS

By Ruma Dubey about 4 months ago
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And there was macro data too. First the CPI for Dec which came in at 5.59% - a 6-month high v/s 4.91% (MoM) and v/s 4.59% (YoY). In CPI, it is food inflation which was the main culprit at 4.05% v/s 1.87% (MoM). The RBI has been mandated by the government to keep retail inflation at 4% with a margin of 2% on either side. This means, we are now at the upper side of this margin.

TU TU MAIN MAIN - ALL OVER BHARAT

By Ruma Dubey about 4 months ago
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Interestingly, while Kotak refused funding to Grover for Nykaa, it did provide funds to Suhail Sameer, CEO of BharatPe. This is what makes one wonder what happened between the two at the last moment? Why did things go so sour? Grover is an ex-Kotak employee. His LinkedIn profile shows that he was VP Investment Banking of Kotak from 2006 to 2013. Even after leaving Kotak, he chose Kotak for managing his personal wealth.

LOOKING BACK, LOOKING FORWARD

By Ruma Dubey about 4 months ago
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What we need to watch out for in Q3 earnings - the amount of de-leveraging done and how debt costs have come down. Cost management will be key in Q3 earnings and keep a watch on the cash flow – that will indicate the presence or absence of stress. As raw material costs rise, companies resorted to cleaning up their balance sheets,

2021 ENDS – BRINGS HOPE OF A HISTORIC 2022

By Ruma Dubey about 5 months ago
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2021 is finally on its way out. It was better than the forgettable year of 2020 but the threat of the virus remains high and the country is once again on high alert. If 2020 was probably one of the toughest years for mankind in recent times, 2021 is about the spirit of the human endeavor.

CHINA's LIKE SALT – NEEDED BUT HARMFUL TOO

By Ruma Dubey about 5 months ago
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We can shout and wail till the throat goes hoarse and the eyes pop out. Yet, nothing will change the fact that China today is an irrefutable truth of our lives; we simply cannot live with it and most certainly without it. After the pandemic, the entire world got onto the “ban Chinese goods” bandwagon; so did India in a big way. We all did our bit by not buying Chinese made lanterns and Hindu Gods.