I respectfully disagree with the view that a reserved-category candidate who scores higher marks can automatically take a general (open) category seat, even if that candidate reached the exam stage using relaxations that were not available to general candidates. My disagreement is  not with reservation itself , which is a constitutionally accepted policy. The disagreement is with  how this rule works in practice , and how it can unfairly disadvantage candidates who compete un

Regulator:  Reserve Bank of India (RBI) Audience:  Audit Committee & Risk Management Committee Purpose:  To summarise recent RBI regulatory expectations and highlight priority oversight actions for committees. Time Horizon:  Ongoing / FY 2025–26 planning WHAT HAS CHANGED & WHY IT MATTERS 1. Regulatory Context RBI’s regulatory stance has evolved toward  outcomes-based supervision , with increasing emphasis on: ·       Board and committee effectiveness ·       Early identificat

Regulator:  Reserve Bank of India (RBI) Audience:  Bank Boards, Audit Committees, Risk Management Committees, Independent Directors Purpose:  To summarise recent RBI regulatory and supervisory developments and outline their implications for board-level oversight, fiduciary responsibility, and institutional resilience. 1. Why This Matters for Bank Boards Recent RBI regulatory actions reflect a  decisive shift from rules-based supervision to outcomes-based oversight , with a st

The year 2022 was surely interesting for Media business - specifically News (Digital & Broadcasting) business. There was a big rumble...

Declaration: The author holds Insurance Policy and Savings related policies underwritten / sold by the corporation. For an average Bharatiya (I am continuing to address Indian as Bharatiya), the received wisdom is once you start earning take insurance policy from LIC. LIC is currently 100% owned by Government of India and hence there is a engrained belief that government will honour the obligation arising from Insurance policy if any. The insurance business under LIC will be

Driving out my Social Apathy Background: My experiences (captured as a blog) while travelling back from an International trip in January...

This article was published in Prakalp Magazine published by PMI mumbai chapter in their April 2021 edition. I. Background: A white paper...

This blog captures my experience of dealing with Mumbai municipal authorities in the specific area of Covid related health management...

Introduction: As a student of public finance and administration, the magnanimity of the numbers involved has always overwhelmed me....

Summary: Over the years the Indian Accounting and Audit professionals throughs its Almamater - The Institute of Chartered Accountants of...

Media (Television / Print / Social) is replete with discussions on post lockdown reboot of economy. The moot question - Should such...