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Renuka Sane

Renuka Sane

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Digital lending has got a bad rap, but don’t throw the baby out with the bathwater

With predatory digital lending practices drawing attention, it’s crucial to look at the funding and regulatory environment within which the sector...

29.11.2023 10

ThePrint

Renuka Sane

Lifting the smog won’t be cheap. India must think finance for cleaner air

Moving to a cleaner environment comes with high costs. As India goes for net-zero emissions, it must include pollution abatement costs in its climate...

15.11.2023 9

ThePrint

Renuka Sane

Pay attention to states’ treasury. If it gets worse salaries and pensions will be affected

Depositors seem to believe that public sector entities will not default. There is a perception that they are guaranteed by their respective state...

01.11.2023 7

ThePrint

Renuka Sane

Govts invoking crisis clause in Electricity Act hurts private players. Start storing instead

Under Section 11 of the Electricity Act, the government can force a generation company to operate and maintain a station as per its requirements.

18.10.2023 7

ThePrint

Renuka Sane

India’s KYC process is a privacy nightmare. FATF has given legal sanctity to mass surveillance

The extent of data collected at onboarding and once again at the time of updates to KYC goes beyond just verification and could potentially be used...

04.10.2023 10

ThePrint

Renuka Sane

States going back to Old Pension Scheme will hurt India. Here’s what 8th Pay Commission can do

The first payment need not be 50 per cent of the last wage, but could potentially be linked to the proposed indexation of the pensions in payment.

20.09.2023 10

ThePrint

Renuka Sane

Let states receive global capital. They can’t achieve net zero on their own

Chhattisgarh and Jharkhand where 97% of power generated is from thermal plants will require special support in green transition.

06.09.2023 10

ThePrint

Renuka Sane

RBI asking banks to switch to fixed interest rates is going to hurt borrowers badly

The economy is facing a rising interest rate cycle for the first time in several decades. This is likely to pinch the retail loan segment.

23.08.2023 10

ThePrint

Renuka Sane

India’s gig workers need urgent social security. But Gehlot’s new law isn’t the answer

India's experience with Coal Mines Provident Fund and Seamen's Provident Fund should lead us to ask if the idea of a centralised welfare fund is...

09.08.2023 9

ThePrint

Renuka Sane

GDP to IIP—Indian statistical systems have bigger problems than ‘underestimating’ population

It is always a good idea to see if survey results are consistent with other indicators of the economy. The problems of measurement make it difficult...

26.07.2023 10

ThePrint

Renuka Sane

Govt’s arbitration litigation a huge burden on India. Raise the bar for appeal

It is not clear whether the arbitration route has reduced the propensity of the government, or the private entity for that matter to litigate once it...

05.07.2023 8

ThePrint

Renuka Sane

Competition law must apply to PSUs. Coal India case is a good start

While there may be welfare motivations for subsidising bus travel or fertilisers, it hurts private players whose goods and services compete in the...

21.06.2023 30

ThePrint

Renuka Sane

Instead of mandating MPS norms, SEBI should look at why promoters don’t like going to market

If India wants access to global capital, then the rules in India cannot be orders of magnitude more stringent than their global counterparts.

07.06.2023 10

ThePrint

Renuka Sane

Free electricity ruined discoms. Now they will cause trouble in transition to renewables

When high tariff paying customers leave, discom finances will further deteriorate. Discoms, therefore, find ways to not allow open access to keep...

24.05.2023 7

ThePrint

Renuka Sane

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