Aparna Iyer, Livemint

Aparna Iyer


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Past articles by Aparna:

What Q2 GDP would say about India’s economy

Numerically, the GDP growth expectations are in a wide band of 7.8-9.6% among analysts.Analysts say services will show the sharpest rebound, given the gradual opening of activities → Read More

Why state bonds are equal to some pvt sector debt in the market

On an average, state governments have borrowed at the same cost as AAA-rated private sector companies so far in FY22, a recent study by CARE Ratings Ltd pointed out. → Read More

India may not join hawkish central banks of emerging economies yet

Countries such as Brazil, Russia, Mexico and South Africa have hiked policy rates by a big margin in 2021 so far → Read More

Lenders line up festive plans but investors are sulking

HDFC Bank is partnering with fintech companies to accelerate its credit card reach.Bank credit growth has been tepid, with a year-on-year growth of 6% in the month of July → Read More

Kotak Mahindra Bank keeps calm in 2nd wave, but Street wants growth

On a year-on-year basis, the bank reported a healthy 6.6% growth in Q1 due to a low base.The bank holds an outstanding provision of ₹7,445 crore, which is 94% of its bad loan pile → Read More

The lessons from HDFC Bank's Q1 earnings letdown

HDFC Bank clocked ₹7,729.6 crore as net profit for the June quarter, lower than analysts’ estimates.It had to keep ₹4,830 crore as provisions as the second wave drove slippages 60% → Read More

Proposed microfinance rules might dampen growth in the sector

In its consultation paper, the RBI has recommended putting all lenders under uniform rules → Read More

What does the World Bank’s forecast say about India’s recovery?

The upshot is that even as India struggles to reduce the pain from the second wave, the scars of the pandemic would be visible for a long time → Read More

Bajaj Finance investors need to prune expectations

Motilal Oswal has slashed its estimate for Bajaj Finance EPS by 11% for FY22. Analysts at HDFC Securities Ltd warn that the current valuations do not justify this sober reality in the wake of the second wave → Read More

India’s already stiff healthcare costs get a pandemic boost

Healthcare inflation in India is unlikely to cool in the coming months. Economists at State Bank of India believe that healthcare expenditure will rise to form 11% of private consumption expenditure from the current 5% → Read More

Piramal Enterprises Q4 gets pharma support but lending biz shows stress

Shares of the company have dropped more than 3% today. The concerns are understandably from its finance business where the company saw stress increase and a continued rundown of its wholesale loan book → Read More

At Bajaj Finance, asset quality concerns persist

Bajaj Finance’s AUM growth was largely on the back of a jump in mortgages of its housing subsidiary → Read More

Bend it like RBI Das: yield curve management takes centre stage

The G-SAP is intended to help those who rely on the sovereign yield curve as a pricing benchmark. So far, the measures have only benefitted the government → Read More

Pandemics don’t last but IMF warns of permanent damage

Past crises show that a slower output recovery is mainly due to persistent loss of productivity, the IMF has said → Read More

Bajaj Finance shows slow improvement but challenges are mounting

Analysts believe that competition from HDFC Bank may have reduced a bit after the lender was penalised by the regulator on digital lapses and could not issue new credit cards worked in favour of Bajaj Finance → Read More

RBI to markets: look at life’s bright side

RBI has blamed bond investors for driving up bond yields and endangering economic recovery → Read More

How ICICI Bank has been narrowing the valuation gap with HDFC Bank

The lender has reported a steady growth in operating profit in the last two financial years.While the bank has not been able to trump HDFC Bank in the valuation game so far → Read More

Why the retail loan story never dies for India’s bankers

Indians may have been forced to curtail their spending owing to the pandemic, bringing a decadal growth spree in retail lending to a grinding halt, but analysts and bankers believe that the recovery in growth would be quicker in this segment.Bankers continue to focus on retail loan growth → Read More

Look who is watching price-to-book ratio of banks

The PBR ratio has a strong correlation with credit-to-GDP and output gap, which means that it captures the cyclical ups and downs well in advance. It is clear that not only investors but the RBI too is watching the price-to-book ratio to see how the lenders it regulates are performing → Read More

RBI must stay on as bond investor

To avoid hurting growth, all the RBI needs is to keep buying government paper → Read More