Know your customers - if they are yours!

In a piece written for this paper about a month ago, I had pointed out that risk profiling (which is now being sought to be made mandatory by the...

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The mumbo jumbo of risk profiling or risk tolerance is now part of orthodoxy

In late September, The Securities & Exchange Board of India (Sebi) released a concept paper on Regulation of Investment Advisors. There is a lot of...

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The silence of the boards

Business leaders talk piously about it. Regulators have codified it into a list of dos and don’ts. Various government departments and...

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Entry loads, exit investors

The Indian stock market today is moribund. The initial public offering (IPO) market is almost dead. In the 12 months ended March 31, 2012, just nine...

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Financial literacy to cover up for regulatory failure?

The main feature of most financial products is that producers and distributors gain far more than savers and investors. Ironically, the same is true...

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Doing More Harm: Confused regulation of financial products

A friend of mine used to joke that in the deep south of Bengal, the Sundarbans, there are three brands you would come across: the Communist Party of...

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Isn’t consumer protection the primary role of regulators’?

According to a media report, the outgoing chairman of the Insurance Regulatory and Development Authority wants Irda to have a new whole-time member...

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Retail investor participation: 5-point nothing

Though the regulators have not thought of it, consumer financial protection should stand on five pillars: financial education/literacy; competent and...

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The bad old ways of shortchanging the customers, continue

In many of my articles since late 2011, I have emphasised that consumers of financial services in India usually do not get a fair deal because the...

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Regulations around savers, please

Life insurance products and mutual funds have overlapping features, since insurance companies mainly want to sell their products as wealth...

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