Gold loans, digital lending trends, household savings, mutual funds & SIPs, insurance adoption, banking & credit behavior, stock market participation, financial inclusion insights
Introduction On 28 August 2014, Prime Minister Narendra Modi announced the launch of the Pradhan Mantri Jan Dhan Yojana (PMJDY). The promise was simple but ambitious: every household in India should have a bank account. At the time, many economists and bankers were skeptical. Would the poor really use bank accounts? Would they just remain “zero balance”? Was…
When we talk about investing in gold, most Indian households don’t think of ETFs, sovereign bonds, or digital gold. They think of bangles, necklaces, and earrings — passed down generations, stored in lockers, and bought during weddings. But here’s the reality: not all gold is a good investment.Gold jewellery, despite its sentimental and cultural value,…
If you had ₹1 lakh in 2000, where would you be richer today — in Gold or the Sensex?Over the past 25 years, both assets have told a fascinating story of India’s growth, global shocks, and investor sentiment. One shines in crisis, the other compounds in calm. In this data story, we break down how…
Two Indicators, One Nation’s Economic Journey Over the last 25 years, two financial indicators have silently shaped the wealth of millions of Indians: the Sensex, India’s benchmark stock market index, and the INR/USD exchange rate, a reflection of our currency’s strength on the global stage. At first glance, they seem unrelated — one tracks the…
Tracking the Fall of the Rupee – and What It Means From ₹43 to over ₹85 per dollar — in the last 25 years, the Indian Rupee has seen a steady slide against the US Dollar. But is this devaluation always a sign of economic weakness? Or does it reflect a global shift, inflation adjustment,…