HDFC Bank is the most valuable private bank in India. Its market capitalization is 2.5x more than SBI, even though SBI has ~3x more assets. HDFC Bank has consistently grown its market share in loans and deposits across credit cycles. It has 7.8% and 6.4% market share in loans and deposits in FY18 compared to…

My presentation on personal finance

Recently, I taught a course on personal finance to executive admins in my company. The goal was to teach them: (a) the power of compound interest (b) the dangers of credit card debt and how to get out of it (c) how to develop the habit of saving (d) how to think about investing. I…

Thoughts on NPA

Tamal Bandyopadhyay is a prolific writer, has a knack for explaining difficult banking concepts using simple words. If you’re interested in learning about HDFC Bank, then I highly recommend his book A Bank for the Buck. Recently, I read his book From Lehman to Demonetization, which gives the lay of the land of what happened…

The Joy of Search

Even though I buy a lot of books from Amazon, I have the habit of going to physical bookstores at least once a month. I spend time flipping through books, reading a few random paragraphs, and occasionally buy if it piques my curiosity. Click here to read the rest.

Note to self

Life is made up of ups and downs. We all wish to have a life full of ups and low-to-no downs, but what we get is not in our hands. However, how we react to them is entirely under our control. Click here to read the rest.