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Renuka Sane

Renuka Sane

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NPS-Lite can streamline welfare funds & pension schemes for the poor—with 2 key reforms

To widen pension coverage in the informal sector, India must use existing infrastructure to its full extent. The mechanism in place for the NPS can be...

17.07.2024 10

ThePrint

Renuka Sane

Does India need a new poverty line? Depends on what we’re measuring it for

A reasonable question to include in poverty measurement exercises would be the extent to which a person can carve out a life outside of the tentacles...

03.07.2024 10

ThePrint

Renuka Sane

India must make net-zero goal competitive for small firms, not rely on major corporations

The Indian government must reform its model of state ownership of DISCOMs. A more market-driven approach will improve autonomy, and financial...

19.06.2024 10

ThePrint

Renuka Sane

Top & bottom of the income pyramid pose different tax problems. New govt must choose reform

A government can afford to make tough decisions in its early days. Resisting populist concerns, we need long-term reform such as broadening the tax...

05.06.2024 10

ThePrint

Renuka Sane

35% bank accounts are inactive. Financial inclusion isn’t going to happen without women

The top 15 cities of India account for more than 60% of the total AUM. We still have a long way to go before the spread of financial products becomes...

22.05.2024 60

ThePrint

Renuka Sane

Lending more to households. Not enough data to call it a sign of prosperity

We are used to thinking that banks typically lend to larger firms, and households borrow from the informal sector. It's time to revise these...

08.05.2024 40

ThePrint

Renuka Sane

Climate change doesn’t just affect poor people, farmers. Cities and banks aren’t safe either

In India, only 17% of public sector banks and 25% of private sector banks claimed to have an internal strategy for integrating climate risks into...

24.04.2024 40

ThePrint

Renuka Sane

Insider trading’s negative impact on the market is exaggerated. Reassess regulations, damage

Sanctions should define who qualifies as an “insider” and take stock of the severity of the violation.

10.04.2024 10

ThePrint

Renuka Sane

Poor claims ratio, ‘hidden’ clauses—India’s health insurance firms need new business models

In an environment where there is, often legitimate, mistrust between stakeholders—insurance firms, hospitals and patients—it is no surprise that...

27.03.2024 60

ThePrint

Renuka Sane

What’s the true cost of free electricity to states? Just look at Tamil Nadu

Many states dedicate a large portion of their subsidies to free electricity, but the true financial burden doesn’t show up in budget documents.

13.03.2024 20

ThePrint

Renuka Sane

Don’t misdiagnose Byju’s and Paytm crises. Startups need VC oversight, not govt’s

If venture capital-backed funds lose money because of their inability to check for misappropriation of funds by a founder, should the government care?

28.02.2024 40

ThePrint

Renuka Sane

RBI-Paytm episode shows India is choking innovation in fintech. Bank-driven model must go

We need to move away from the current one-size-fits-all framework to a risk-based approach. Until then, every fintech will be saddled by some...

14.02.2024 20

ThePrint

Renuka Sane

Mitigation alone won’t do. Joshimath showed India must prioritise climate adaptation too

India needs to expand its climate policy toolkit to include robust adaptation strategies. For this to work multiple policy actions will have to be...

24.01.2024 9

ThePrint

Renuka Sane

Real fine print in SC Adani-Hindenburg case is investor safety. Buyers, sellers not aligned

Sellers will act in the interest of buyers only if it benefits them too. Regulations can ensure that the seller is incentivised to do the right thing,...

10.01.2024 10

ThePrint

Renuka Sane

Why surge pricing can spark a brighter future for solar power

A consistent level of electricity into the night involves a very high escalation of cost. The use of a price system might offer a better solution.

27.12.2023 10

ThePrint

Renuka Sane

RBI’s leap into cloud services is a step back for innovation, competition & regulation

The RBI claims its cloud facility will boost the security & integrity of financial sector data. But why is a central bank competing with private...

20.12.2023 30

ThePrint

Renuka Sane

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