RIA

Your credit is easier to steal than your money

Advice, Banking, Financial, Governments, Investments, Mutual Fund, Personal Finance, RIA / By /

Your credit is easier to steal than your money.
With just a phone number and an OTP, fraudsters can trick lenders into approving loans in your name — without your knowledge. Weak consent systems, no instant alerts, and rushed digital lending have made identity theft alarmingly easy. It’s time India strengthens its safeguards with verified consent, real-time alerts, and stricter ID checks to truly protect borrowers.

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Programmable currency: Ensuring donors money is used right

Banking, Governments, Mutual Fund, RIA / By /

Programmable currency can transform the way money is given and used by allowing it to be spent only for its intended purpose. Just as governments could ensure subsidies are used for food or education, individuals like Hema could send money coded specifically for school fees, guaranteeing its proper use without adding friction. With consent-based visibility and universal acceptance, this next step in India’s digital journey could combine trust, traceability, and dignity — empowering millions to give with confidence and impact

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Loan rates should mirror unfinished homes higher risk

Advice, Banking, Financial, Governments, Investments, RIA, Taxes, Uncategorized / By /

Rajesh and Seema’s ordeal with a stalled housing project shows how India’s home loan system masks the biggest risk in real estate — that under-construction projects may never be completed. Banks and buyers treat them like ready homes, offering or taking loans at the same rates despite far higher uncertainty. With weak enforcement of RERA safeguards, homebuyers are left exposed. Differential interest rates — lower for completed homes, higher for under-construction ones — would make risks visible, protect buyers, and push the housing finance system toward fairness.

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Increase cap on overseas investments through MFs

Banking, Fees, Investments, Mutual Fund, RIA, Taxes / By /

Ordinary Indians still can’t invest in overseas markets through mutual funds—while the wealthy freely remit crores abroad under LRS.

The irony? Money sent through mutual funds must return to India, while LRS money may not. Diversification shouldn’t be a privilege—it should be accessible to all.

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Remove friction in fee payment for advice

Advice, Banking, Fees, Mutual Fund, RIA / By /

Abhilash dislikes selling mutual fund units monthly to pay his RIA.
MFD commissions are deducted automatically, but RIA fees need direct payment.
He suggests letting funds sell units and pay RIAs directly.
This keeps costs transparent, taxable, and investor-controlled.
Removing such friction can make quality advice widely accessible.

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How to make tax officials accountable

Governments, RIA, Taxes / By /

Individual Tax payers have become more vocal as compliance by them has improved significantly and aggregate taxes paid by individuals has overtaken taxes paid by corporates. With that the demands for the tax department to be held accountable have also increased. Unfair treatment such as indefinite delays by the tax department or very low interest paid by them on delayed refunds are no longer acceptable. Harsh’s article in the Business Standard on how accountability can be infused in the Income Tax department using the model of Public Service Guarantee Act enacted by almost all state governments. comments welcome.

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Track finfluencer earnings, and have alot more RIAs

Press, RIA, Taxes / By /

SEBI has an unenviable task of controlling the unregulated finfluencers and also ensuring that there enough RIAs to educate investors . Information on the income of “Finfluencers” is not easily available which may be inhibiting SEBI from taking preventive action against the finfluencers. Harsh suggest a creative use of the IncomeTax Act to providing real time update on the finfluencers to allow the regulator to concentrate its resources on them. Harsh’s article in Business Standard..

Track finfluencer earnings, and have alot more RIAs Read More »

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Vigilance Awareness Week 2025 (VAW2025)

Vigilance Awareness Week 2025 is being observed from October 27th to November 2nd, 2025, with the theme:

सतर्कता: हमारी साझा जिम्मेदारी (“Vigilance: Our Shared Responsibility”).

All stakeholders are encouraged to participate in the e-pledge initiative by visiting the CVC portal: https://pledge.cvc.nic.in/.