Tech Tutor

Exponential technologies are changing how and where we learn

READY TO LEAPFROG

Consolidation, new leadership at top private banks and newer growth areas in retail are set to build the foundation for the banking industry. The 24th edition of BT-KPMG Best Bank Study celebrates the success of banking and fintech stars

PARANOID & THRIVING

In an era of rising digital footprint, continuously looking at ways to add growth and girth to its services is helping fintech firm Perfios

HOW WE DID IT

The methodology for the BT-KPMG Best Banks Survey 2019

GIVING THE BEST ADVICE

For JP Morgan, if 2019 was about launching and expanding its mid-market commercial banking, the focus this year will be on growing its securitisation business

FUTURE READY

SBI, the largest bank in the country, has created building blocks for capturing the next growth cycle with sharper focus on risk and returns

FASTER, HIGHER, STRONGER

HDFC Bank, the largest private bank in India, pads up for its first major leadership transition as growth momentum speeds up

BIG LENDER OF SMALL LOANS

Bandhan Bank has grown its business in microlending and now plans to use its customer reach to broad-base its credit portfolio

MYSTERY OF THE OYO ROOMS

WHY THE FASTGROWING HOTEL CHAIN HAD TO SCALE DOWN

IN A STATE OF BOTHER

States are facing a funds crunch. As GST revenues moderate and fiscal deficits balloon, they must look for new sources of revenue to fund welfare schemes and infrastructure needs

OUT IN THE COLD

The disruption due to coronavirus in China has put Indian industry in a jam

Freeing Company Boards

Provisions seeking independence of board members have been tightened. Can the companies catch up?

Tata Group's DEBT Threat

MOST LEADING TATA COMPANIES, INCLUDING TATA POWER, TATA STEEL AND TATA MOTORS, ARE BURDENED BY DEBT, MAKING THE GROUP OVERDEPENDENT ON TCS, ITS SOLE MONEY SPINNER

Does an Annuity Plan Work for You?

ANNUITY PLANS CAN FORM A GOOD PART OF YOUR RETIREMENT PORTFOLIO IF THE PRODUCT FIT IS RIGHT

The Gene Business

Technology advances in gene sequencing are creating new opportunities for enterprises in healthcare and other sectors

CHINKS IN WHISTLE BLOWER ARMOUR

Despite rise in number of whistleblower complaints, the lacunae in the system are proving to be a deterrent in the fight against corporate unethical practices

Tick on the Right Education Loan

AN EDUCATION LOAN MAKES IT EASIER TO PURSUE YOUR DREAM EDUCATION BUT IT ALSO MEANS LONG REPAYMENT YEARS, SO MAKE SURE YOUR CHOICE IS RIGHT

BIG AUTO'S EXPO WOES

As footfalls decline at Auto Expos globally, what is the way forward?

What Budget 2020 Has For You

The decision to switch to the new income tax rates will depend on the level of deductions that you are able to use in the present regime.

Budget 2020 - What Will Work, What Will Not

The Budget aims at boosting consumption and private investment to pull the economy forward.

“THERE WILL BE GOOD RESPONSE TO DIRECT TAX AMNESTY SCHEME”

A day after she presented her second Budget, Business Today caught up with Finance Minister Nirmala Sitharaman in her North Block office to find out the reasoning behind the key initiatives in Budget 2020. Edited excerpts:

UNLOCKING THE INNOVATION KEY

To survive and grow, all businesses need a culture that is conducive to innovation. Enabling management attributes and a top-down involvement can make this possible

WE HAVE TO GET TO 4-5% OF GDP IN RESEARCH

While the Economic Advisory Council to the Prime Minister, in 2019, recommended that India more than double its expenditure on research and development (R&D) to 2 per cent of GDP by 2022, N.R. Narayana Murthy, the legendary founder of Infosys, thinks this wouldn’t be enough to solve the pressing problems facing the nation. He advises a much higher spending on research and stresses that taxpayers should fund not only applied research but also fundamental research, which can take several decades to show results. In an interview to Business Today’s Goutam Das on the sidelines of Infosys Prize, an annual award that honours achievements of researchers and scientists, Murthy also explained why India needs to change some of its cultural approaches to learning. Edited excerpts:

PLUGGING IMPORT LEAKS

ANTI-DUMPING DUTIES HAVE OFTEN FAILED TO SUPPORT DOMESTIC INDUSTRY

New-Age NBFCs

A NEW BREED OF TECH-SAVVY PLAYERS IS TARGETING NICHE LENDING SEGMENTS NOT COVERED BY BANKS AND TRADITIONAL NBFCs. THEIR JOURNEY IS NOT WITHOUT CHALLENGES.

OVERSPENDING FOR GROWTH

The Budget reveals the government is willing to stretch its finances by going off the fiscal glide path

LOW ON CHARGE

In India and elsewhere, the electric vehicle story has not quite lived up to the overzealous projections of a few years ago. A course correction is under way.

FUELLING ECONOMIC GROWTH

A dozen experts interpret Budget 2020 and its impact

How To Save Tax

Here are some tips for smart tax planning in 2020

FUTURE OF WORK

Leading experts on the radical changes in jobs, workplace, skills, privacy and employee well-being