GST Cut Impact on Consumer Durables Sector “Price reductions create expectation. But demand revival requires confidence.” — CS Devyani Khambhati – Compliance Expert GST Cut Impact on Consumer Durables Sector: Why the Celebration Is Missing When the government reduced GST on key consumer durables from 28% to 18%, many believed the sector would witness an immediate revival. On paper, the GST Cut Impact on Consumer Durables Sector looked positive. Lower tax means lower prices. Lower […]

P2P Lending Risks in India “Trust in finance is built not by promise of returns, but by clarity of risk.” – CS Devyani Khambhati, Compliance Expert P2P Lending Risks in India: The New Reality After RBI’s 2024 Reforms P2P Lending Risks in India have become a serious subject of discussion after the August 2024 regulatory overhaul by the Reserve Bank of India. There was a time when peer-to-peer platforms were advertising returns of 18% to […]

GIFT City Dormant Companies Crackdown: A Powerful Compliance Reset “A licence is not a trophy to display. It is a responsibility to operate.” — CS Devyani Khambhati – Compliance Expert GIFT City Dormant Companies Crackdown: Why IFSCA Is Tightening the Framework The GIFT City Dormant Companies Crackdown marks an important shift in regulatory maturity within India’s International Financial Services Centre (IFSC). The International Financial Services Centres Authority (IFSCA) has reportedly begun engaging with entities that […]

Group Health Insurance in India “The strength of a nation lies not only in its economy, but in the security of its families.” – Inspired by Dr. A.P.J. Abdul Kalam Group Health Insurance in India has quietly moved from being a corporate benefit to becoming a national economic stabiliser. What was once seen as a “perk” offered by large employers is today emerging as the fastest-growing protection engine within India’s insurance ecosystem. The latest Annual […]

Governance in NBFCs – Purpose, Principles & Practical Implementation Framework Governance in NBFCs – The Foundation of Sustainable Financial Institutions Governance in NBFCs is no longer a theoretical concept reserved for annual reports. It has become the defining pillar that determines whether a non-banking financial company can scale responsibly, withstand regulatory scrutiny, and maintain long-term credibility. Over the past decade, NBFCs have evolved rapidly. Digital lending models, co-lending structures, analytics-driven underwriting, fintech integrations and alternative […]