The biggest risk in the financial services business today is the Regulatory risk. The more the regulators think that they can prevent frauds and cheating the more they will move into the controls of a business. Sebi has been making a lot of changes in the mutual fund business – there is a good chance […]

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It is easy for me to say ‘you should not take personal loans, because I have not taken’. It is so foolish too say do not borrow. Most people are borrowing out of compulsion, not love for the bank!! Nobody borrows if they can live without that expense. However people do borrow, and when I […]

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