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Blogs By Ram Ray
Posted on April 17 Thu, 2014 By Ram Ray
Yes! I call them the ‘Sandwiched Generation’! They take decisions to please their parents and manage finances to provide for their children. No private holidays and romantic dinners for them…it costs more than the monthly school fees for the child or conversely more than the monthly dose of insulin for parents. Welcome to the world of middle class Indian wage earners who earn...Read More
Posted on March 20 Thu, 2014 By Ram Ray
Primary source of margin for a bank is to raise deposits at a lower rate and lend at a relatively higher rate. Established principle says that lending to many rather than a few reduces the risk. Similar reasoning is applicable while raising deposits too. Retail deposits raised through bank branches are the most preferred form of deposits for banks especially after the recent financial crisis. Retail deposits contribute towards a stable liability p...Read More

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