Ashish Pandey (for Info only, not official)

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Ashish Pandey

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    ...These reports also suggest that the RBI has directed a provisioning of 100% of the loan amount for cases that are not resolved in the initial period of 180 days. If these reports are indeed true, the RBI has probably erred on the side of caution. There is limited or no empirical basis available in the public domain to justify the “zero recovery” assumption envisaged by the RBI. In addition, the RBI’s assumption regarding the final resolution timeline of 180 days is quite aggressive and does not align with the findings based on the experience of developed countries. ...

    Live Mint on July 24, 2017, 12:28 a.m.

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    ...The All India Online Vendors Association and eCommerce Sellers Association of India requested members to stop selling on the Snapdeal platform, citing credit risk. There is an ongoing conflict between the mobile application-based taxi aggregators, Ola and Uber, and their drivers. Even drivers in the National Capital Region and in Bengaluru have resorted to a strike. Uber’s Bengaluru office was vandalized by the protesting drivers. Sceptics have questioned the business model of certain start-ups for a long time but their viability does not deserve wider concern. These firms were started by entrepreneurs and funded by professional investors, both parties being fully aware of the risks and uncertainties involved in disruptive business models. The issue that should concern us is the impact of the failure of certain start-ups on the broader ecosystem. Did we unknowingly create Frankensteins in start-ups that are “too big to fail”? ...

    Live Mint on March 9, 2017, 11:24 p.m.

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    ...The proponents of government intervention claim that a significant capital infusion by established global companies such as Amazon and Uber constitutes market manipulation and distorts the level-playing field. They further argue that benefits from the growth of global companies do not accrue proportionately to local labour markets when compared with the benefits from the growth of local firms. A section of opponents to that demand argue that the local firms rallying for protection from foreign capital inflows have themselves been their beneficiaries in the past. Therefore, a sudden change in stance for these companies is anomalous, to say the least. ...

    Live Mint on Feb. 7, 2017, 1:27 a.m.