Podcasts about idfc

In this episode, Shantanu is absolutely thrilled to sit down with Luis Miranda—Founding Member of HDFC, Ex-CEO of IDFC, and the founder of the Indian School of Public Policy. This one is packed with wisdom, laughter, and invaluable insights for anyone interested in leadership, impact, and the startup ecosystem!Luis is the kind of person who doesn't take himself too seriously—despite having built some of India's most iconic institutions. He's an incredible storyteller, effortlessly blending high IQ with deep emotional intelligence.This time, the conversation is even more fun and candid, as Shantanu and Luis explore everything from leadership to the social issues that truly drive him. Luis has spent years working on causes that matter, constantly seeking to understand people and their challenges in a way only few do.From this episode, you'll learn about what it takes to build and scale institutions, the importance of having strong role models, and why giving back is just as important as success.And here's the best part—Luis has a way of making complex ideas sound effortless. His honesty, his warmth, and his storytelling make this episode a must-listen!We hope you enjoy this conversation as much as we did. Drop your thoughts in the comments—what resonated with you the most?Navigate your journey through this conversation:00:00 Coming Up02:38 The Importance of Reaching Out10:06 Building Relationships Through Conversations17:35 Career Path and Influences21:01 The Journey of HDFC Bank and Citibank36:19 Transitioning from Banking to Tech Startups39:00 Entering the Venture Capital World45:59 Exploring Development Sector Opportunities52:19 Finding Purpose in Work and Life54:12 World of Development59:58 The Importance of Reflection and Mentorship01:07:32 The Hunger for Success01:11:55 Finding Your Sweet Spot in Business01:12:30 The Impact of Middle Management01:16:00 Loneliness at the Top01:17:50 Prioritizing What Matters01:20:00 The Importance of Perspective01:21:40 Mindfulness in a Fast-Paced World01:23:30 Navigating Young People's Challenges01:26:30 The Balance of Hard Work and Care01:27:10 Understanding Entitlement in the Workplace01:28:33 Activism and Awareness in Today's Youth01:30:00 The Trade-offs in Public Policy01:32:42 Men's Mental Health and Societal Expectations01:37:27 The Role of Equity and Individuality01:39:51 Lessons from Indian Civilization01:41:01 Happiness and Expectations01:44:39 Final Thoughts on Life and Work

The Board of Control for Cricket in India (BCCI) is the sole governing body for cricket in India, overseeing all domestic and international operations, fixtures, and competitions. As the wealthiest cricket governing body in the world, the BCCI generates a staggering 85% of the revenue, underlining its financial dominance and crucial role in sustaining the sport globally. It attracts the world's best players to the Indian Premier League (IPL), further ensuring its continued growth. In this episode of A Century of Stories: Cricket podcast presented by IDFC FIRST Bank, we explore the history and key figures who shaped the BCCI into what it is today.See omnystudio.com/listener for privacy information.

T20 cricket is the powerhouse of the sport today! With its thrilling pace and explosive plays, it's given us unforgettable innings that will go down in cricket history. In this episode, host Cyrus Broacha takes a look back at the most iconic T20 batting innings. From Chris Gayle's unforgettable knock against South Africa in the inaugural tournament of the first international T20 to Yuvraj Singh hitting 6 sixes in an over, to Virat Kohli's sturdy innings against Pakistan which led India to victory and a lot more. #T20Cricket #IconicInnings #CricketHistory #ChrisGayle #YuvrajSingh #ViratKohli #CricketLegends #T20Moments #Acenturyofstories #cricketpodcastSee omnystudio.com/listener for privacy information.

Marketbuzz Podcast: The GIFT Nifty is indicating a subdued start for the Indian markets. Watch out for stocks like IDFC First Bank, Pharma stocks and BHEL.

In this episode of Market Minutes, Zoya Springwala talks about the key factors to watch out for today before the domestic market opens. From the IRCON offer-for-sale, Warburg Pincus selling stake in IDFC First Bank, Bharat Electronics in focus to the global market set up, get all the updates here. Also, catch CA Manish Mishra, market expert on the Voice of the Day segment. Market Minutes is a morning podcast that puts the spotlight on hot stocks, key data points, and developing trends.

As CNBC-TV18 celebrates 25 years of excellence, Indian markets continue to trade near lifetime highs. Benchmark indices are set to open at fresh record highs for a fourth session in a row on December 7.  India's GIFT Nifty was down 0.14% from its overnight close at 21,030.50 as of 8:25 a.m. IST, above the Nifty 50's Wednesday's record close of 20,937.70, indicating a positive open. This comes at a time after US economic data kept intact the expectations of the US Federal Reserve rate cut by March 2024 and as oil prices dropped. In the overnight session, Wall Street equities extended losses for a third session as the rally faded after posting their best month in 2023 in November, while US Treasury yields fell as data showed a lower-than-expected rise in private payrolls in November. Oil prices fell to a six-month low of $74.11 per barrel on Wednesday as high US crude output and gasoline inventories added to concerns over global fuel demand Back home in the Indian market, the stellar rally continued. The Nifty 50 has risen 5.77%, over the last seven sessions and is at record high levels. The index is the most overbought in over two years, boosted by favourable macroeconomic data and liquidity. Interestingly, fertiliser and sugar stocks were in focus. Stocks to watch: Paytm, M&M, IDFC First Bank Tune in to Marketbuzz Podcast for more cues

(Watch the video interview HERE) In this masterclass of investing, Gaurav Narain of River Global who runs the India Capital Growth fund takes Vox Markets through 15 stock ideas including: 00:00 Differences & attractions of investing in India 05:00 Secular growth drivers underpinning the economy 14:25 Outlook for Indian earnings & equities 21:20 ‘Buffett-esk' investment criteria 24:20 Financial sector: Federal, IDFC & IndusInd banks 29:20 Consumer: Jyothy Laboratories, Emami, Kajaria Ceramics, CCL Products & Welspun India 44:05 Healthcare: Neuland Laboratories 48:10 Technology: Persistent Systems, Tech Mahindra & Dixon Technologies 54:55 Infrastructure & Industrialisation: PSP Projects, Skipper & Ramkrishna Forgings

Equity Cash: Infosys, IDFC and Hindalco Equity Derivatives: Muthoot Fin 1300 CE, Fed Bank 150 CE Index Derivatives: Nifty 19500 CE, Nifty Bank 44000 CE --- Send in a voice message: https://podcasters.spotify.com/pod/show/kunvarji-group1/message

In this episode of the businessline podcast, businessline's Hamsini Karthik is joined by the chairman of IDFC Limited, Anil Singhvi. Singhvi who played a crucial role in the IDFC First Bank merger with IDFC, isn't very happy with this concept of holding company discounts. He shares his insights into why it is unfair to the minority shareholders, the merger process, the motivations behind it, and the potential outcomes. Holding company discounts occur when a company operates subsidiaries without having its own business, leading to a decrease in market valuation. These discounts have reached as high as 80 per cent in the past, affecting even prominent companies like HDFC Limited, which experienced a 20 per cent discount. While such structures are often implemented to benefit promoters and improve capital structure, it raises concerns about minority shareholders' interests.  During the discussion, IDFC's Singhvi addresses the market's expectations regarding valuations and the reasoning behind the price at which the merger was finalized. The conversation highlights the need to reconsider the prevailing discount culture and its impact on Indian markets, hindering the progress of companies and their underlying assets.  Furthermore, Singhvi explores the importance of passing on dividends from underlying assets to shareholders and the value derived from legacy investments. Join us as we delve deeper into these topics, gaining valuable insights into the IDFC merger and its implications for the Indian market. Listen in.   --- Send in a voice message: https://podcasters.spotify.com/pod/show/business-line/message

Vegetable prices have increased considerably in several states. Tomatoes are selling at over 120 rupees a kg in Delhi and some other big cities. Supply disruption caused by rains in producing regions is one of the key reasons for this inflation in vegetables prices. And it comes when India's central bank, RBI, had just started to breathe easy on the inflation front. So, will this development complicate RBI's job? And, will it have any impact on its future rate actions?  Car prices too have shot up considerably in the last few years. But that has hardly cast any shadow over the sales. New models are hitting the roads almost every month. Maruti Suzuki recently unveiled its priciest car till date. A rebadged version of the Toyota Innova HyCross MPV, Maruti's Invicto will come in the range of 24 to 28 lakhs. This vehicle is a result of the collaboration between Maruti Suzuki and Toyota. So is Maruti becoming too dependent on Toyota?  Buoyed by the launch of Invicto, the shares of Maruti Suzuki India crossed Rs 10,000 milestone for the first time ever this week. Moving on, the mergers of HDFC twins and then the IDFC twins have put a spotlight on NBFC space, especially the banking segment. This has intensified competition in the financial sector of the country. Will the state-owned banks also come together to ward off the heat? And how should investors approach the pack?  After the markets, let us now turn our gaze to snow-capped mountains of Kashmir. Just about 15-km from Srinagar, in the town of Pampore, purple crocus flower fields will be a dazzling sight in a few months from now. Its yield, called Kashmiri saffron, is famous for its distinct aroma and quality. But why is Kashmir's saffron so special? And expensive too? Listen to this episode of the podcast for answers. 

In this episode of Market Minutes, Shailaja Mohapatra talks about Senco Gold IPO opening, D-Mart operator's Q1 business update and share swap ratio for IDFC merger. Also, catch Vinit Bolinjkar of Ventura Securities in Voice of the Day segment. Market Minutes is a morning podcast that puts the spotlight on hot stocks, keys data points and developing trends

In addition to approving the merger of the two companies, the boards of directors of IDFC and IDFC Financial Holding also announced an exchange of 155 shares of IDFC FIRST Bank for every 100 shares of IDFC. IDFC Limited, although publicly traded, is predominantly held by the government, along with a mix of mutual funds, foreign investors, and large domestic institutions. In this News Explained podcast, Nabodita Ganguly is joined by Hamsini Karthik, Senior Assistant Editor who talks about the merger in-depth. IDFC Limited recently sold its AMC business, leaving the bank as its primary asset. This transaction has emphasised the fact that IDFC Limited's financial strength heavily relies on the performance of IDFC First Bank. Consequently, there is not a significant holding company discount involved in this merger. The executives and bankers at IDFC Limited, including Chairman Anil Singhvi, have worked diligently to secure a favourable deal in this process. However, it's important to note that while the merger is advantageous to the government and IDFC Limited shareholders, it could have been even better. Now, what does all this mean for customers? Well, if you have an account with IDFC Bank, you don't need to worry about the merger's implications. Your banking experience will continue, as usual, unaffected by these changes. The divestment of the mutual fund business has already been completed, and your day-to-day banking operations remain unchanged. On the other hand, investors may experience more significant changes. The merger has been driven by the demands of IDFC Limited shareholders, who were dissatisfied with the company's lack of value. The merger addresses their concerns by addressing the issue of value erosion and providing access to IDFC First Bank shares, which have performed well recently. Looking ahead, the possibility of more bank mergers cannot be ruled out. Promoters have been granted permission to increase their stakes, indicating a favourable environment for corporate action. Several other banks have also expressed their intentions for mergers and acquisitions. However, it is unlikely that we will see large-scale bank mergers similar to the HDFC Bank and HDFC Limited merger, except for IDBI Bank. The current system is not yet conducive to such mergers. Listen in. --- Send in a voice message: https://podcasters.spotify.com/pod/show/business-line/message

Our guest today is the inspirational Madhura DasGupta Sinha, the Founder & CEO of Aspire For Her, a unique start-up to motivate women to enter and stay in the workforce. Madhura has been a banker for the last 25 years – holding leadership positions in IDFC, Standard Chartered, and ANZ Grindlays Bank, She completed her  MBA from XLRI and Electrical Engineering from Jadavpur University. Madhura was one of the 12 women across India to be awarded the British Chevening Scholarship in 2003. Since its birth on Women's Day, 2020, the rapidly-growing community at Aspire For Her has become a movement for women, in India and across the world, getting together members, supporters, and mentors to unleash the trillion-dollar potential in the Indian economy. Madhura's work has been covered widely in the media including CNBC, NDTV, BBC, The Times Of India, New Indian Express, etc. Aspire For Her has been honored with awards from UN Women, Economic Times, T-Hub, NDTV, and International Advertising Association. Madhura was among the 23 of the Twenty-Three list published by the HR Association of India. She also is invited to speak at various prestigious forums including IITs, IIMs, Niti Aayog, G 20, UN Women, Global Fintech Forum, National Commission of Women, and many acclaimed podcasts.  Aspire For Her is proud to be part of the first-ever cohort of Women Founders launched by Google, India. Listen in as she shares her journey, her motivational moments, and what keeps her so positive all the time.   --- Send in a voice message: https://podcasters.spotify.com/pod/show/the-third-eye1/message

In this episode of Market Minutes, Shailaja Mohapatra talks about JPMorgan's acquisition of First Republic Bank and Q4 earnings performance of Ultratech Cement, IDFC First Bank and Seshayee Paper & Boards. (With inputs from Sucheta Anchaliya). Also, catch Abhishek Banerjee, smallcase manager and founder of Lotusdew Wealth in Voice of the Day segment. Market Minutes is a morning podcast that puts the spotlight on hot stocks, keys data points and developing trends

00:00 Introduction00:50 European stocks close higher01:29 US bank stocks rise as investors assess efforts to calm turmoil02:33 Fed to decide on rate hikes amid banking crisis03:25 Google's Bard AI chatbot is now open to users in the US and UK04:26 Indian IT sector to tread turbulent waters going ahead05:53 Steep decline in new mutual fund investors in FY2306:40 India exploited only 29% of hydropower potential07:37 India misses RE capacity target08:36 India's eye-watering 1.7% spend on transport upgrade09:29 RBI hopes to see 7% economic growth10:24 Domestic tyre industry expected to see double-digit growth10:50 Army partners NTPC arm for clean energy11:36 Tata Power secures ‘Letter of Award' for 200 MW solar project in Maharashtra11:57 Indian Oil setting up Mega Petro chemical plant12:53 E-commerce giant Snapdeal starts receiving orders through ONDC14:31 IDFC announces plans to complete merger in FY2315:22 Knowledge SectionComplete Fundamental Stock Analysis Tool - Stock-o-meter:https://investyadnya.in/stock-o-meterResearch Based Ready-made Model Portfolios:https://investyadnya.in/model-portfoliosComprehensive Mutual Fund Reviews:https://investyadnya.in/fund-o-meterYadnya Books and eBooks now available:On Amazon - https://amzn.to/2XKtlksOn our website - https://investyadnya.in/booksFind us on Social Media and stay connected:Blog - https://blog.investyadnya.inTelegram - http://t.me/InvestYadnyaFacebook Page - https://www.facebook.com/InvestYadnyaFacebook Group - https://goo.gl/y57QcrTwitter - https://www.twitter.com/InvestYadnyaLinkedIn - https://www.linkedin.com/company/investyadnya/#InvestYadnya #YIALEGAL DISCLAIMER: Use of this information is at the user's own risk. The Company and its directors, associates and employees will not be liable for any loss or liability incurred to the user due to investments made or decisions taken based on the information provided herein. The investment discussed or views expressed herein may not be suitable for all investors. The users should rely on their own research and analysis and should consult their investment advisors to determine the merit, risks and suitability of recommendation. Past performance is not a guarantee for future performance or future results. Information herein is believed to be reliable, although its accuracy and completeness cannot be guaranteed. The images used may be copyright of the company or third party.  As a condition to using the services, the user agrees to the terms of use of the website and the services. DISCLOSURES UNDER SEBI (RESEARCH ANALYST) REGULATIONS, 2014:Yadnya Academy Pvt. Ltd. (InvestYadnya) is registered with SEBI under SEBI (Research Analyst) Regulations, 2014 with registration no. INH000008349.Disclosure with regard to ownership and material conflicts of interest1. Neither Research Analyst nor the entity nor his associates or relatives have any financial interest in the subject Company;2. Neither Research Analyst nor the entity nor its associates or relatives have actual / beneficial ownership of one per cent or more securities of the subject Company, at the end of the month immediately preceding the date of publication of the research report or date of public appearance;3. Neither Research Analyst nor the entity nor its associates or his relatives have any other material conflict of interest at the time of publication of the research report or at the time of public appearance. Disclosure with regard to receipt of Compensation1. The Research Entity and its associates have not received compensation from the subject company in the past twelve months.2. The subject company is not or was not a client during the twelve months preceding the date of recommendation.

“An ELSS is a product that provides a diversified equity exposure, with a professional asset management team that is there to assess risks and help you with an appropriate risk/reward strategy. The larger opportunity in ELSS that people don't focus on, is long-term wealth creation. ELSS offers the best of both worlds (tax benefit and potential wealth creation opportunity). If you have patience, you will be rewarded.” Daylynn Pinto, Senior Fund Manager – Equity with IDFC Asset Management, highlights ELSS' as tax benefit and the potential to create wealth over the long term. In this podcast, Daylynn explains why ELSS is a good option for investors, the need to invest and the reason it is a popular tax-saving instrument.

In this edition of Market Minutes, N Mahalakshmi talks about the big fall in IDFC and City Union Bank. Market Minutes is a morning podcast that tracks the risk-reward in stock markets by putting the spotlight on keys data points and developing trends

In this episode, we are joined by Suyash Choudhary, Head of Fixed Income at IDFC AMC. Tune in to hear Suyash's views on the economy and inflation, rate hikes and perspective on bonds for the months ahead.Speaker:Suyash ChoudharyHead - Fixed Income, IDFC AMCwithRavi SinghChief Investment Strategist, Standard Chartered

geo politik Una explosión sacudió el miércoles la embajada de Ucrania en Madrid, España. La explosión se produjo cuando un empleado manipulaba una carta dirigida a Serhil Pohoreltsev, embajador de Ucrania en España. Popurrí El Banco de la Reserva de la India (RBI) comenzó un programa piloto de su moneda digital para usuarios individuales el jueves. Cuatro bancos nacionales, el Banco Estatal de la India, el Banco ICICI, el Banco Sí y el IDFC, participarán en el piloto en las ciudades de Mumbai, Nueva Delhi, Bengaluru y Bhubaneswar, Salud: Eres amante del vino? Según indica un nuevo estudio publicado en Neurology, beberlo podría reducir la pérdida de memoria ya que contiene flavonoles, unos antioxidantes que conducen a una tasa más lenta de deterioro cognitivo para el final: noticias purumpumpum y muchas noticias más que importan y algunas que no tanto Episodio #50 Temporada 5 dale like a la página para quedarte en contacto con @LRDFDM Sitio Web : http://blendenblick.com Facebook: https://www.facebook.com/LRDFDM Instagram : https://www.instagram.com/lrdfdm/ Twitter : https://twitter.com/laradiodelfind1 Bitchute :https://www.bitchute.com/channel/4A23L8lB9c8m/ LBRY : https://lbry.tv/@LRDFDM:1 Podcast : Ivoox: https://de.ivoox.com/es/escuchar-blenden-blick_nq_295679_1.html Anchor : https://anchor.fm/lrdfdm Breaker ,Google podcast, Overcast, Pocket Cast, RadioPublic, Spotify

India will conduct the first pilot of the e-rupee for retail digital currency on December 1, Reserve Bank of India, the country's central bank said yesterday in a statement. Meanwhile, the central bank has rejected the NBFC licence applications of some well-known fintech startups, The Hindu Businessline reports. And Vikram Kirloskar, the well-known industrialist, widely seen as being responsible for bringing Toyota to India, died yesterday, reportedly of a heart attack. He was 64. Notes: India will conduct the first pilot of the e-rupee for retail digital currency on December 1, Reserve Bank of India, the country's central bank said yesterday in a statement. Four banks — State Bank of India, ICICI Bank, Yes Bank and IDFC — will participate in the initial phase of the pilot in four cities (Mumbai, New Delhi, Bengaluru and Bhubaneswar). Bank of Baroda, Union Bank of India, HDFC Bank and Kotak Mahindra Bank will join the pilot subsequently, the Reserve Bank of India said. In more digital finance news, the Reserve Bank has rejected the NBFC licence applications of some well-known fintech companies in India, The Hindu Businessline reports, citing “highly placed sources” that the paper didn't name. Among the companies that have had their applications turned down are PhonePe, Razorpay, BharatPe, OkCredit and NiYo which operates as a neo-bank, according to Businessline. The central bank is concerned about the sources of the money flowing into these startups, seen as coming in through tax havens, according to Businessline. The likelihood of fintech companies charging high-interest rates on their loans is also a concern for the central bank, according to the paper. Chinese e-commerce giant Alibaba Group Holding is looking to sell a three percent stake in food delivery services provider Zomato as part of a $200 million block deal today CNBC-TV18 reports. Shares of the loss-making Indian company ended yesterday's trading in Mumbai at Rs. 63.35, down more than 55 percent from the beginning of this year. The company went public in July last year with a listing price of Rs. 76. Biocon Biologics, a subsidiary of Bengaluru's biopharma company Biocon, said yesterday it has successfully completed its multi-billion-dollar acquisition of the global biosimilars business of its partner Viatris. Biocon Biologics and Viatris have obtained all applicable approvals from key global regulators and investors. The acquisition provides Biocon Biologics with direct commercial capabilities and supporting infrastructure in the advanced markets and several emerging markets, the company said. Vikram S. Kirloskar, Vice Chairman, Toyota Kirloskar Motor, died yesterday, according to a brief company statement. He was 64, and multiple media reports state the cause of death as a heart attack. Vikram Kirloskar was a pioneer of India's automotive industry and played a key role in bringing Japan's Toyota Motor Corp to India in the late 1990s, according to Business Standard. He had a degree in mechanical engineering from the Massachusetts Institute of Technology, in the US. Kirloskar is survived by his wife Geetanjali and daughter Manasi, according to Business Standard. Last respects can be paid today at the Hebbal crematorium in Bengaluru at 1 pm, according to the company's statement. Theme music courtesy Free Music & Sounds: https://soundcloud.com/freemusicandsounds

“A Flexi cap fund is not confined to certain percentages in certain market cap buckets. It can take advantage of opportunities available across the market spectrum. As you know, market prices are dynamic and companies do appreciate or depreciate in terms of value. In such cases, the market cap categorization could also change. A fund manager can continue to have his winners irrespective of such a change. It can also take advantage of value depreciation, from a long-term point of view.” Sachin Relekar, Senior Fund Manager – Equity at IDFC AMC, is a finance expert with over 20 years of experience. He has been managing funds across the market cap spectrum and focuses on quality companies that can generate superior long-term returns. He is a CFA and also has a Masters in Management Studies from Jamnalal Bajaj Institute of Management Studies. In this episode of The Moneywise Podcast, Sachin explains why Flexi cap funds could be an effective investment option and why investors should be paying attention to this category. 

Mutual funds are a popular way of investing. There are a little over 1,100 open-ended funds if you take into account debt, equity, hybrid, and solution-oriented schemes. After a lull, fund houses have gone on an overdrive in terms of launching NFOs. More than three dozen new funds have been launched in just a few weeks. For instance, Franklin MF launched a balanced advantage fund after their debt fund crisis. Fund houses such as Navi, Mirae, White Oak, Tata, IDFC, Sundaram, ICICI Pru, Motilal Oswal, etc. have brought in their new equity schemes. Amid all the excitement, it is important for investors to take a step back and consider important things before they jump onto the NFO bandwagon. Listen in to understand how a particular NFO is different, the importance of an NFO to your personal financial roadmap, why should you understand the investment strategy, and map the previously-launched NFO performance etc. --- Send in a voice message: https://anchor.fm/business-line/message

“What I and my wife started is - involve our daughter in all kinds of small planning. Let's say, planning a vacation. We would involve her in packing bags, and emergency requirements, all within a budget. Not only did she get a sense of participation, but over a period of time, she started aligning herself to more budget timelines. These are the kind of small processes you can use to make your children more financially aware, in a more joyful manner.”   For many of us, our first experience or lesson about financial wisdom came from our parents, and usually, it was dad or papa or appa who insisted we save for our future. Welcome to the Father's Day Special on The Moneywise Podcast, where we discuss finance from the perspective of a father!  In this episode, Brijesh Shah, Associate Vice President, Fixed Income, IDFC Asset Management Company Ltd, and father to a daughter, shares with us how he discusses money with his children, the need to inculcate the habit of investing early, positive experiences regarding finance from an early age and the mistakes some make during their investment journey. Tune in to this fascinating conversation for timeless pearls of financial wisdom and to learn how you can talk to your family about money, savings and investment. 

(An investor's) the first allocation should be towards large-cap investing. The top 100 companies in the country can be termed as a large-cap segment. Generally, when you are in a down-cycle, or the overall market is weak due to weak macros, geopolitical tensions, or some liquidity crisis, most of the money tends to stick with the top 100 companies, because that is where...the risks are lower. Sumit Agrawal, Senior Vice President, Fund Management Team (Equity) at IDFC Asset Management, has over a decade's experience in the world of finance. Sumit is passionate about wealth creation and believes that sound financial advice will greatly benefit investors to achieve their financial goals.  In this episode of The Moneywise Podcast, Sumit explains the meaning of large-cap funds and the several advantages of this category to the investors. Also, he conveys to the listeners that if they keep investing when the market is in red, they will enjoy it when it turns green!

“AI has the power to personalize information. At any instance where you are making a wrong investment decision, maybe because of the emotions that (can) overpower your decision, AI will come into effect and tell you - ‘hey, this is not the right time for this decision.' The ability to reach out to each individual, and provide the most personalized service at the right time with a relevant context - from both a personal behavior perspective and a market perspective - is the magic which AI can bring. It can revolutionize the way investors take their investment decisions and manage their portfolio.”  Dr. Vikash Raj, Head of Business Analytics and Intelligence at IDFC AMC, has profound expertise in the fields of AI and technology. In this episode of The Moneywise Podcast, he explains how innovations like Artificial Intelligence (AI) and Machine Learning (ML) can transform asset management and finance. He also reveals the way these technologies are leveraged to bring improvements to the finance industry and how it can help investors achieve their investment goals.

Matthew Bishop (MB): Hello, this is Matthew Bishop with Books Driving Change. And today I'm talking with Sharath Jeevan, who is the author of Intrinsic: A Manifesto to Reignite Our Inner Drive. Sharath is a social entrepreneur who came out of the business world, consulting world, and helped launch STIR Education -- which is an organization that helps teachers improve their performance through their better motivation and sharing of insights -- he can elaborate on that -- in many countries, including India and Indonesia, and some parts of Africa. And now he runs Intrinsic Labs, which we'll talk a bit about as well, I hope. The audience for this show, Sharath, is people who are conscious of this crisis that we've been living through in the pandemic, [and how that] has revealed a need for greater public service to re-engage people with talent and insight and leadership capacity into the public realm of public service. And I wondered if you could say in a sentence for them -- why they should read your book?Sharath Jeevan (SJ): Thanks Matthew, real pleasure to be on the show. And I think it's so important for those of us leading change in public service to know what deeply motivates ourselves as individuals and leaders. And that idea of really trying to find lasting motivation from within for ourselves, really with a view that that can help us motivate the people around us -- our teams, if we've got teams in our work, but also, of course, as citizens. Our work is ultimately geared towards that, and that applies, whether we're public servants, or we're political leaders, or trying to affect change, in the social sector, or nonprofit sector, etc. And these are universal themes the book talks about.MB: In the book, you set out in a powerful way a number of the trends that have caused many people to lose touch with what it is that motivates them from within and to be driven by external factors - as to what you call “extrinsic”. To the extent that you really feel there's a huge crisis in the world of loss of connection with ourselves, and that that's underlying many of the issues that emerge all over the place, in different aspects of life, and is proving dysfunctional in many parts of the world. But could you just spell that out for us? What is the key problem that you think we need to solve at this point and that Intrinsic is setting out to solve as a book?SJ: Yes, I think it's moving our dial, that motivational dial, [away] from extrinsic or external factors. So for example, in the world of work, we would think a lot about pay, about status, how fancy our job title is, how fancy our office is. These are critical things and we're not saying they're not important -- many people in the world don't have them, we need to make sure they do. But for those of us who do have those, they have a diminishing effect over time. That was a ceiling effect. I was talking to a trader in the City of London who got a £21.5 million bonus for the year. And his first reaction when his boss told him the news was, I had to work harder, because I know that someone else down the corridor got more than me. So that idea that there's never enough in some of these things, but we can keep chasing them, [although] that won't give us fulfillment, happiness, and actually won't give us success in the long term either. What we've got to do is move that motivational belt inwards to thinking about how we can really do what we do -- particularly in public service, because it's genuinely fulfilling, motivating, and rewarding. It's a bit like driving an electric car compared to a car driving on heavy diesel -- it should feel enjoyable in its own right. And we know the key pillars of intrinsic motivation are around “purpose” -- that sense of how work helps and serves others -- and “autonomy” -- that sense of us being in control of our destiny, as public policy leaders. And finally, becoming a “master” -- or becoming a better and better leader over time. We never get to perfection, but we're getting and developing and growing. So purpose, autonomy and mastery are key to us really moving that dial inwards. And we know that it's much more likely to lead us to be happy, fulfilled, and successful.MB: One of the things you do very well in the book is marshall a lot of academic research that's supportive of your claim on intrinsic motivation. And I think maybe "purpose" in particular has become one of those buzzwords that I think everyone is talking about -- a lot of company leaders, a lot of political people, saying we need to have purpose, clear and everything. Just what is the evidence that purpose matters and can be a game changer? And, with a slightly cynical hat on, how do we tell real purpose, real change making purpose, from the sort of bullshit PR purpose that a lot of people might be inclined to say [they have], if they're under pressure, in these leadership roles at the moment to try and sign sound appealing to millennials?SJ: I think that you put the nail right on the head. A lot of problems we are having with this purpose discussion is that it has been taken to this PR territory, and thousands of staff are subject to these kinds of corporate workshops, or government workshops, where they're bombarded with purpose statements from the company and so on. What I tried to look at on "purpose" was look at that really simple definition. I was trying to define it from first principles around just how what we do helps and serves others -- take away all the airy fairy language and so on. The challenge, I think, is that actually organizations are getting better and better, to be absolutely fair, on defining organizational purpose -- why that company, or how it helps and serves others. I don't think we've yet cracked the question of how do we, as an individual leader in public service, contribute to that purpose. So what tends to happen is we get hired into a job, let's say a government somewhere, civil service, and I'll be honest, [you] seem like a robot who's there to fulfill the purpose of the government department or division. The challenge though I think is, in today's world, especially with younger workers, we ourselves want to feel a sense of a personal mission statement. And by that, what is our own North Star?Let me just give you mine as an example: I help organizations and leaders to reignite inner drive by writing, coaching, consulting. So I help organizations and leaders to reignite inner drive by writing, coaching, consulting -- just a very, very simple 15-word statement. But it's a really helpful North Star that helps me remember why I'm doing what I do. And if I joined an organization -- I work for myself now, but I do write, consult for one, as you mentioned -- the question I'm asking is how am I contributing to that organization's purpose statement? But also, how are they contributing to mine? How are they helping me achieve mine? And when I think both things are in harmony, we've got a great marriage between an employee and an organization. I think we have a great motivational deal in place. But the temptation is we tend to forget the individual and forget that we all need that for ourselves as much as needed for our organizations.MB: And then you also talk about "autonomy" and "masteries". What's the key issue today with autonomy, and what do you mean by that?SJ: If you look at political life today, I'd argue we're in a really difficult autonomy situation, one where we've got two extremes. I talked about some of the research in the book about political leadership where you can have the extreme. For example in the U.S., perhaps both houses where it's almost like individual lawmakers -- it's Clint Eastwood extreme, or if you like, a Lone Ranger type behavior. But the other extreme where when you're an MPs, often in the U.K., they are often micromanaged. And how do you have the right balance between these two things is important. In enough autonomy you're representing a genuine community of constituencies for your elected office. But also, you also need to make sure that you are adhering to the broad direction of the party that you were being elected to join. How do you find that balancing act? That's a key piece. So it can't be either extreme. It can't be micromanagement, nor can it be a complete free for all. How do you negotiate between is a key idea in the book.MB: But one of the things you generally observe is the people not feeling very much autonomy at work in that sense.SJ: Absolutely. So I was talking, for example, about teachers in the book, and we have record numbers of teachers leaving every month. In the U.S., 30,000, 40,000, 50,000 teachers a month leave the profession. In the U.K. 40% of teachers want to leave. It's not because they don't enjoy teaching anymore. It's because they feel like they are being micromanaged. And their head teachers, their leaders in the school system are asking, What would Ofsted say, rather than what's the right thing to do for my school, my community. So they feel often like a pawn on a very big chessboard and unable to exert their own professional judgment and discretion. That's a really killer, killer blow for motivation.MB: And that's a problem across government do you find in particular?SJ: I think very much. So I spent quite a lot of time talking to lawmakers in a lot of different countries, in the emerging world and the developed world. And that sense of not being able to control their own destiny -- for example, many of them wanted to be in the “for one nation tradition” where they really weren't genuinely supporting the whole country. They feel more and more like they're being held to factions as well. MB: And "mastery" is the third concept. So you have purpose, autonomy, and mastery. Specialization has been a huge theme -- to the extent that we now have lots of books about how dangerous silos are. Because we've all become so specialized, we don't really know how to reach out across silos and think in a joined up way in decision making. But what do you mean by mastery? You mean something very different to that.SJ: I talk in the book about the “10,000 hour rule”, and this idea that a lot of the mastery discussions have been about technical prowess. And there's a lot of evidence that's true in technical domains, but a lot of the future of modern jobs today, they thrive because of the human skills. As a civil servant, for example, you've got to know how to develop policy and legislation. But you've also got to know how to influence ministers, how to work with colleagues, how to work with different kinds of disciplines. I look at the COVID response, for example, those human skills are much harder to subject to simple 10,000 hour rules. It's much more of the broader human aspects of our work. And so how do we codify those -- what I call the "order essentials of mastery" -- and try to make them something [people] actually actively want to work on, and become better and better at? They're often things that are actually not on a public servant's job description, that actually are the magic of the job these days. And how do you make them explicit? How do you codify them? And how do you find a systematic way of improving them, and also find people who can nurture your skills as you progress in your careers?MB: So give us an example of where you've seen a different approach be applied, [one] that's really moved away from that sort of 10,000 hour rule approach, to something more holistic.SJ: Giving examples from my own life with STIR Education. I had a finance director who was fantastic. And she was really, really good at making sure we had good reliable management accounts every month. The challenge is that as we became bigger as an organization, that actually a lot of her role was shifting from that technical aspect she was very comfortable into influencing our staff, or running our program for teachers -- for them to spend money better, to know how to use resources better, to make sure they felt more comfortable in terms of financial literacy, and be able to use the numbers themselves to make intelligent decisions. So we did a lot to try and break barriers down. Simple things, like she where she sat in the office. Often, finance tends to have their own little cubicle or room because they feel that what they've got is confidential information. So I said, Why don't you rotate around the office every day, every week, so you meet different colleagues, you can talk to them, see their reality. She spent many days in the field, with schools, seeing the work on the ground, and seeing a lot of the processes that we had time might be actually hindering progress. So it's trying to break down silos. And back to that personal mission statement, if you think my role at purpose level is to produce management accounts on time and accurately, that's one purpose statement. If it's to help the organization as a whole make better decisions, that's a different one. So how do you try and break some of the traditional ways of thinking down to open up jobs in public service and make them fulfilling and motivated?MB: And you talked about STIR Education, and the book opens with this inspiring story and how you were surprised, in a sense, by the appeal of the message. Can you just talk a bit about what happened and why that's given you hope? And have you seen other examples since?SJ: So, I got into this whole thing by accident. I'm an economist by background at the end. I was very much someone to believe in the hard skills of life around finance, or economics, and so on. I think what happened is, starting off in the slums of Delhi, we were trying to find some great teaching ideas to be shared around the world. That by looking for the ideas in some of the poorest parts of the world, there was not huge pride. In a sense, my teachers, for the first time, their ideas mattered. And they were actually important people in their own right, and they enjoyed meeting each other and sharing ideas. That buzz of energy would, almost by accident, even though we didn't know what these terms meant at the time, but we're unlocking purpose, autonomy and mastery, almost as a byproduct of what we were doing. We realized we had confused the baby in the bathwater. And actually, magic was that ignition of teachers, that reigniting of motivation, and that really shifted my view of the world. I now work for a range of organizations - as an advisor at L'Oreal, to the Kenyan government. But that core idea that actually everyone goes into a job, especially in public service, with a high degree of intrinsic motivation, as had these teachers, but as we work longer and longer, the cultures around us tend to drag it out of us. And then the trick is how to keep ourselves motivated despite that at the individual level. But if we're leaders in public service, how do we create cultures that build on that intrinsic motivation, and make us feel more and more motivated, rather than taking away that energy over time?MB: I think the experience of teachers in many parts of the world is similar. There are people that were idealistic when they went into the profession; and then they've just been worn down really by the engagement with the bureaucracy, particularly as you say that the Ofsted-like factors of just being forced to do more and more testing and feeling you're just a pawn on the chessboard.And I guess, one of the things that sort of motivates us at Driving Change is, that that [also] seems to be an issue with public service -- that people would like to be idealistic about serving the public interest and serving their communities, but government, in particular, is so unappealing because it just feels like in all sorts of different ways that it's not going to be a good, intrinsic, fulfilling experience. As you've tried to help professionals, like teachers, police, as well as other aspects of government, have you found ways to shift the system so that your idealism doesn't get handed in at the door?SJ: A whole chapter in the book is on public service and centric political life, because our leaders are so important -- as we're seeing in Ukraine now – as in the pandemic of the last couple of years. So just reading Tony Blair commenting on how he wouldn't have gone into politics today, given the level of scrutiny, the trolling on social media, all these kinds of crazy pressures. Whether you like him or not, I think generally a lot of people, our brightest people often, as you said, don't think of service first, [as] they should do. And one of the things I think that we could try to do is to create a more motivating environment for would-be politicians.I'm doing some work with apolitical and UCL around this actually, a fascinating little piece of work. And take the purpose piece, this idea of our work as a legislator or a lawmaker, helping and serving others. A lot of people I spoke to in many houses of parliament around the world feel that that idea of a one nation -- that you're there to help the whole country -- that's been lost by factionalism. And one of the ideas I explored in the book is how can we all try to create back a sense of genuine national purpose that is genuinely across divides and across political parties, and focuses on what unites us more than what divides us. I was looking at Kennedy in the book and some of the things he was saying many years ago, about how can we try and find that common ground and resist that temptation to exacerbate differences, [just] because it scores points. That sense of autonomy again -- I was talking to ministers in various governments, including the U.K., where they told me they heard about major policy announcements by what came on the news headlines, often secondhand, and they were the second people to know. And that obviously became ridiculous in the pandemic, where lockdown changes are being leaked to the press before MPs had a chance to even look at them. And that makes a mockery of parliamentary processes and demotivates ministers and MPs more widely. Because of the accountability pressures and the scrutiny, prime ministers, presidents etc. have tended to create kitchen cabinets, where you have five people in a room, and you pretty much decide everything in the country. [But] we have about 100 ministers in the country right now if you take the U.K., all very sensible, talented people. [Figuring out] how do we harness their strengths and place that broader narrative and group there is another part of our autonomy side. And mastery -- in talking to people, for example, in the House of Lords in the U.K., who got in the chamber, they were shown where the toilets were, shown how to get to the despatch box, but not much more to be honest. And, we would never allow doctors or lawyers or accountants to be trained this way. The Institute of Government in the U.K. does some training for ministers and is just fantastic. But it's not compulsory, it's very ad hoc. And this is a real job. I mean, this is a very, very difficult and demanding role. We need to develop more formal mechanisms of mastery that allow for more peer learning, more discussion, more sharing of experiences, as well as more formal training to help develop our elected leaders.MB: And would you apply the same framework to civil servants, and people going in other parts of public service, not as elected officials but as building a career?SJ: I think they're very similar pieces. Now, one of the things that's interesting with “purpose” for civil servants is that I talked to many senior civil servants in the British government, for example, [where] you obviously have to somewhat accept that the party in power may not have the same views that you have as an individual, but your job is to make sure that the direction they were elected on is executed as well as possible. That's an interesting purpose question because there is that interesting tension between personal purpose and what the role may require sometimes. But the civil servants I've talked to really are able to say, Well, whether or not I agree with this, I've been able to really make sure that the needs of my country are put into action. In terms of that piece that's been interesting. I think with the autonomy side, in civil service, there's a lot of scrutiny and it's very easy to lose your job in civil service if you do something wrong. So there tends to be a little bit of guardedness sometimes. And what that concerns me is a bit of a defensive culture. The best civil servants I know, they know how to stick their neck out. But they also know when to be careful. Just knowing when to duck and dive is a key element. There is more on mastery -- there's more formal mechanisms, professional development,  building networks, especially across departments, and across levels. I'm seeing more and more of that, and that's a very, very encouraging sign. Because, again, a lot of the key skills in civil service today are not on the job description formally. How do you actually find that? You do that through learning through peers, and going through experiences, and doing things. Very few policies ever look back on and said, Did that work? What worked well, what didn't go well? [We need to] make sure we create reflective spaces where civil servants can look back at what they've done and try to reflect and then use that as an improvement mechanism as well.MB: I mean, none of this involves paying them more or anything like that to improve in paying conditions. I think he obviously talked about pay bonuses, status, etc, as these hygiene things, the basics, that you need to have in place. As you look at government and civil service, and perhaps you compare it with the sort of growing trend for people who are committed and pumped to public service but want to go and do it in corporations and nonprofits where they might certainly in terms from the corporate side get better deals in terms of those basic hygiene of pay and status -- how much is pay the problem that is discouraging many idealistic people from really taking the path to government? And do you think we have to fix that basic before we can get to the intrinsic, mastery, purpose, and autonomy points that you've talked about?SJ: I think the research is pretty clear that it depends on where we are relative to other professions, so it's about the relative gap. I think most people in public service will always expect some kind of discount to the private sector -- in practice, that's what happens. But just make sure that it is manageable as well. And just that you can keep your family fed, if you have a family, etc. All these things are very important. So we shouldn't neglect that point, we need to constantly keep making sure that people can live sensible and decent lives on whatever their pay is, either elected office or in the civil service. But I think beyond that, looking at India for example, where teacher pay went up and up and the teachers became some of the highest paid in the world relative to per capita GDP, it did nothing for motivation, actually. So we just can't treat pay as a silver bullet. It's good to make sure we get it right and be sensible about it, but really what matters more is intrinsic factors. And most people go into public service because they want to make a difference to the world or the country. We've got to play to that and build cultures that really help them do that. And if you do that, they'll be motivated. And that will lead to better retention of civil servants, [it] will lead to more people wanting to go into the profession in the first place. And you'll create a virtuous cycle and probably the public will be more open to higher salaries for public servants, or MPs, over time. So you kind of create a virtuous cycle if you get on the right intrinsic track.MB:We [should] pick up the teachers' point. What did you see that was most effective as you were working with Indian teachers, and these relatively highly paid people, many of them weren't even turning up for work on a regular basis? How do you turn that round?SJ: Yes, we found it was really simple. For us, we looked at how do we try and inject purpose, autonomy, and mastery into a school system. And we started by running teacher networks -- groups of teachers 20-25 or so who would come together every month and go through a structured process to build their motivation, build a sense of purpose, build a sense of autonomy. They tried new techniques, learned to do things alone, [saw] what's possible, but also “mastery”, they learned how to become better and better. And doing that in a very collective fun engaging experience. We then learned that actually those networks are to grow and grow. They went from one network in Delhi in 2012, to [now] about 8000 a month, involving about 200,000 teachers, across about 35,000 schools. As that happened, we realized that actually what mattered next was the leaders of the system. So the people who manage teachers in systems, they had to buy into this, because if not, they would always be undermined. And so we started training those people to run the network. And we started working with people, very senior people, in governments and in ministries to oversee that, to make sure it was part of that budget, part of their training system. So there was kind of role modeling happening in all levels of a system as well. But it didn't cost very much. I think the cost for the teachers was about $20 U.S. per year, most of that was taken from existing training budgets. It wasn't about the money. It was more, as you're saying, about building that space in and be willing to try new ways of doing things.MB: And what was the evidence for you that that was working?SJ: We saw some pretty strong evidence that absenteeism effort improved quite substantially. Also, the relationships with teachers and children improved a lot -- just teachers knowing kids names, engaging them better, thinking of them as individuals, and nurturing kids more effectively -- was something we all saw from that.MB: Another big area of public service, that's obviously got a lot of questions being asked about the motivation and culture of the moment is -- policing. And you touch on that a bit in the book -- what needs to happen there?SJ: So we sort of heard about William Bratton, and some of these stories in the U.S., and Malcolm Gladwell popularized some of them and so on. There's a lot of truth in them. I think data has improved things. But it has slightly given this kind of culture, or created this kind of misconception, that it's all about seeing an individual policeman as a bit of a pawn on a chessboard, and driving into different things. That sense of autonomy has been really heavily undermined. And I think what we need to do is rethink and remember that policemen are human beings, they've had a lot of challenges -- with everything black lives matter to the vigils last year in the U.K. -- so how do we try and help them see that sense of professionalism again, and bring  that sense of professional dignity and motivation in what they do? Targets? I think what's happened is we've overelied on targets for them. But remember that policing, especially, there's a lot of things that cannot be reduced to a spreadsheet -- it's highly discretionary, you have to have very good judgment. It's what I call in the book “a wicked profession”, as in, there's no easy technical solution to it. We've got to help them create the conditions where they can make the right judgments at the right time. And encourage them to do that and make them feel supported to do that, as well. So I think we need to rethink that approach of sort of policing by numbers a bit.MB: Have you, again, had experiments that have worked in that respect?SJ: We're just starting, we're working with a group of IDFC. I had a chance to talk to a number of senior officers in India, for example, and really, really dynamic leaders in the police force. Now, take India as an example. What they need is the freedom not to drive change and change culture, that's always the hardest thing. But particularly how to help the constables and other frontline who often feel quite demotivated. How do you help them build trust with citizens, so they're not mistrusted? And there's a genuine sense of their being linked to their community. Get that bit right, huge things can happen. And I saw some small examples through some of that early research work, where that was possible. Now, the question is, how do we try to scale that and try and make that more of a norm?MB: We're almost out of time. I just wanted to end by asking you -- What's been the biggest change in your own life as a result of diving into this thinking about intrinsic motivation? What would you advise anyone else that wants to really reconnect with this intrinsic drive to do, beyond reading your book?SJ: So one of the most fun parts for me writing the book was looking at the side of our personal lives -- our lives and relationships, and as parents. And I'm both a husband and father of two young boys. And it really made me question my own assumptions. Take parenting as an example. What kind of parent do I want to be for my kids? How do I help them be motivated? And I, like many middle class parents those days, I was guilty of pushing them from one activity to another. From homework club, to a tennis coaching session, to a piano class ,and all this kind of nonsense. And actually just remembering what matters for them is they loved life, they love learning, and they're good people. And they have high degrees of intrinsic motivation.So I changed my parenting style quite substantially, since writing the book, to hopefully be more nurturing as a parent to help them find what they enjoy doing. Helping them build on that, helping them nurture their purpose, autonomy, and mastery. But what's also been helpful is if I tried to adapt some of these things to my own life, that role modeling effect -- if they see me trying to do these things, that can be just as powerful. So I think the book is not just about our work lives, those are important, but also our lives as real human beings.MB: Well, thank you. And what is one piece of advice to anyone that wants to start down this path of saying, Okay, I've heard what you've got to say, I'll read the book, [but] are there practical steps?SJ: I talked about in the book, a four stage journey you can go on as an individual to think about them. The first thing that it starts with is put down what I call the "cost of inaction". What tends to happen is we don't articulate why the current reality, the lack of D motivation, is hurting us so much. But we forget, we're going to be working the same 90,000 hours in our working lives on average. If we're not motivated, we're going in and feel like we're drudging through the day each day, it exerts a huge emotional, social, even financial cost on us. Just write down what the pain feels like. And that can really inspire us to say, Look, it's worth a try, it's worth taking a little bit of a risk here -- it's worth taking that first small step that I talked about in the book. So I think sometimes we just take things for granted too much. Write down why it hurts so much. And that will give us some motivation to go forward.MB: On that note, thank you very much, Sharath Jeevan. The book is Intrinsic: A Manifesto to Reignite Our Inner Drive. It's a beautifully written book, as well as full of great insights. So I highly recommend it to all our listeners. And thank you for joining Books Driving Change today. SJ: Thanks for having me. NOTE: Intrinsic is currently available in the U.K. It will be published in the U.S. in September 2022.  We hope you are as inspired by these podcasts as we are. If you are, please subscribehere, or wherever you get your podcasts (Amazon Music, Apple, Google, Spotify, Stitcher), and please rate us and write a review so others can find their inspiration.  This transcript has been lightly edited for context and clarity. 

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Check IDFC First Bank share price, financial data and complete stock analysis. Get IDFC First Bank stock rating based on quarterly result, profit and loss account, balance sheet, shareholding pattern and annual report.

“Most often, it's our behavior that can go bad rather than the investment itself. If we allow fear to dominate and we sell out every time the market falls, our long-term goal - the reason we were investing in the first place - will never be achieved.” In the second episode of our special two-part series on Moneywise, Vishal Kapoor, CEO of IDFC Asset Management Company Limited, advises investors on how they can successfully navigate the volatility that poses risks to their investments, and the importance of patience for an investor. He also explains why he is optimistic about India as an investment market, and how individual Indian investors can invest in foreign stocks while ensuring security for their investment. 

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“Investment is all about having financial products - whether growth-oriented or stability-oriented - and allowing them to power your goals while also providing some cushioning against market fluctuations.”  Vishal Kapoor, CEO of IDFC Asset Management Company Limited, wants every Indian to get wise about investing, secure their financial future, and accomplish their goals. He claims that good investments can become important safety nets in the long term. He says, “prices of  goods and commodities keep rising...growth assets like equities can actually help you beat inflation, maybe even give you a chance to really become rich over time.” In the first of this special two-part series on Moneywise, Vishal Kapoor explains the benefits of investment, the advantages of starting early, the risks that investors face, and the most common mistakes we are prone to making as investors.

The stupendous rise in the Indian benchmark indices – the S&P BSE Sensex and the Nifty50 – has given rise to valuation concerns in the past few months, at a time when commodity price-fuelled inflation concerns are rearing their head again. After UBS, which downgraded India to “underweight” from “overweight”, now Nomura has also downgraded Indian equities to “neutral” from “overweight”, citing unfavourable risk-reward. Nomura has said: “We now see an unfavourable risk-reward given valuations, as a number of positives appear to be priced in, whilst headwinds are emerging… India's valuation appears “very stretched” as 77 per cent of domestic stocks in the MSCI index are trading higher than the pre-pandemic or post 2018 average valuations”.  The rise in inflation, coupled with high valuations, has triggered a correction in the past few sessions which have seen the Sensex slip below the 61,000 mark, and the Nifty below 18,000. The price-to-earnings ratio, or the P-E, is one of the most widely used tools by which investors and analysts determine a stock's relative valuation.  Amit Sachdeva of HSBC believes high P-E of Indian equity benchmarks is the ‘new norm' in this liquidity-driven market. But not all are convinced.  A quick check of the stocks that comprise the BSE 500 index reveals startling results. Some stocks like Piramal Enterprises, Ujjivan Financial Services, Adani Green, Ruote Mobile and IDFC are trading at an astronomical P-E of 545 times to 910 times their FY22 earnings. Santosh Singh, head of research at Motilal Oswal AMC, says any liquidity-driven rally that is not backed by fundamentals will not last: Recent rally was not based on fundamentals Certain stocks are commanding high double or triple digit forward P-E Liquidity-driven valuation will not sustain Does this mean there's more pain in store for the markets? Santosh Singh, head of research at Motilal Oswal AMC, says: Not worried about markets Financials will see earnings upgrade, supporting benchmarks However, individual stocks with high P-E will see a significant fall Given this, the road ahead for the markets looks choppy, with stock-specific correction taking the centre stage. On an immediate basis, corporate earnings will sway the market mood today, as many prominent names like Axis Bank, Bajaj Finance, Cipla, and Dr Lal Path Labs are set to report their results. Watch Video

Gaurab Parija, Head – Sales and Marketing at IDFC Asset Management Company Limited, is a passionate believer in the power of SIPs to create wealth for anyone.  He says, “The secret to creating wealth - for an average investor like you and me - has 3 elements: 1.            Asset Allocation 2.            Managing Emotional & Financial Stress 3.            The Power of Compounding” In this episode of Moneywise, Mr. Parija explains how a Systematic Investment Plan or SIP helps you invest small amounts, ensures discipline (in your financial planning), and uses the formidable power of compounding to create significant outcomes for your investment. The podcast also addresses common yet important topics like the ideal tenure of a SIP, how SIPs compare to other investment options, the mindset that will help you create wealth in the long term, the importance of getting started on investment, etc. Disclaimer: MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME-RELATED DOCUMENTS CAREFULLY.  The Disclosures of opinions/in house views/strategy incorporated herein is provided solely to enhance the transparency about the investment strategy/theme of the Scheme and should not be treated as endorsement of the views/opinions or as an investment advice. This document should not be construed as a research report or a recommendation to buy or sell any security. This document has been prepared on the basis of the information, which is already available in publicly accessible media or developed through analysis of IDFC Mutual Fund. The information/views/opinions provided is for informative purposes only and may have ceased to be current by the time it may reach the recipient, which should be taken into account before interpreting this document. The recipient should note and understand that the information provided above may not contain all the material aspects relevant for making an investment decision and the stocks may or may not continue to form part of the scheme's portfolio in the future. The decision of the Investment Manager may not always be profitable; as such decisions are based on the prevailing market conditions and the understanding of the Investment Manager. Actual market movements may vary from the anticipated trends. This information is subject to change without any prior notice. The Company reserves the right to make modifications and alterations to this statement as may be required from time to time. Neither IDFC Mutual Fund / IDFC AMC Trustee Co. Ltd./ IDFC Asset Management Co. Ltd nor IDFC, its Directors or representatives shall be liable for any damages whether direct or indirect, incidental, punitive special, or consequential including lost revenue or lost profits that may arise from or in connection with the use of the information. The sectors/stocks mentioned should not be construed as an investment advice from IDFC Mutual Fund and IDFC Mutual Fund may or may not have any future position in these sectors/stocks.

We had the pleasure of interviewing Ravenna Golden over Zoom video! Singer/songwriter Ravenna Golden follows her Big Beat Records debut single “R U Joking” and punchy “Girlfriend Sucks” with her latest single “Expensive City” – an ode to those hustling to turn their dreams into a reality. Watch the music video HERE. “Expensive City” was written from a vulnerable place for Ravenna, a time when she felt like giving up hope that she'd succeed in doing what she loved. According to Ravenna, that feeling serves its purpose when a great song comes out of it. She hopes to remind fans that, even when things are not going your way, you can have fun within the frustrations of daily life.Ravenna Golden's story starts in the suburbs of St. Louis, soaking up the sun and diverse sounds of Blink 182, Green Day, MGMT, Bruno Mars, Lil Wayne and Elliot Smith. After taking a poetry class in high school, she set verses to melodies and recorded a demo on a lark. Freshman year of college, she sent the songs to her old friend Dylan Brady who insisted Golden work on a full-length album.Fast forward to now and Ravenna is a founding member of the Hella and Cake Pop crews and a leader in crafting a unique sound and stealing center stage in the minds of kids and critics alike. Weaving fibers of pop-punk, indie rock and electronic mayhem into a vibrant fabric of original noise, she creates a blistering energy that explodes with life and sweat on stage. In 2015, Ravenna gave birth to Girl Gone Wild, an 11-track trip through toxic relationships, party scenes, introspectiveness, existentialism, glitter and gore. Soft ballads are sandwiched between harsh-hitting electro-pop beats and toy synths. It's a little bit bubblegum with a whole lot of bite, and the process of its creation proved to Golden that music was her destiny - especially performing on stage.Things bubbled from there into a tight string of singles, each song exploring a different shade of personality. It boiled over with 2018 single “7th Grade,” a guitar-driven sing-along ripped straight from the summer of 2001. Since then, she's collaborated with WHIPPED CREAM and Perto on “IDFC”, chillpill on his remix of “FUCK THE CLUB," and 6 songs on the Cake Pop 2 album, among others. She made her Big Beat Records debut with “R U Joking” in May 2021. This is just the beginning for Ravenna Golden, stay tuned for much more to come.We want to hear from you! Please email Tera@BringinitBackwards.com.www.BringinitBackwards.com#podcast #interview #bringinbackpod #RavennaGolden #zoom Listen & Subscribe to BiBFollow our podcast on Instagram and Twitter! 

idfc-blackbear x soap-melanie martinez // 1hour loop --- Send in a voice message: https://anchor.fm/literallylemon/message

idfc-blackbear x soap-Melanie Martinez—slowed—edit audio—NOT MY AUDIO ❤︎❤︎ love you little lemons ♥︎ --- Send in a voice message: https://anchor.fm/literallylemon/message

In this episode, find out about why IDFC shareholders rejected Vinod Rai's reappointment, also find out why Yes bank has urged Dish TV board to hold EGM Business Term of the Day: Deposit Insurance and Credit Guarantee Corporation

Early indications suggest the benchmark indices could continue to hover at record high levels on Wednesday although gains will be limited amid mixed cues from global peers. The passage of infrastructure bill by US Senate will propel positive momentum in the market but concerns on the US Fed taper talk, virus and inflation front linger. That said, with the earnings season underway, stock-specific action will remain high which could also sway market moves. At 7.30 am, SGX Nifty was trading 11 points higher at 16,288.  In overnight session, Wall Street rose, with both the blue-chip Dow and benchmark S&P 500 closing at record highs, as economically sensitive value stocks gained with the US Senate's passage of a $1 trillion bipartisan infrastructure package. Overall,  Dow Jones Industrial Average rose 0.46 per cent, the S&P 500 gained 0.10 per cent and the Nasdaq Composite dropped 0.49 per cent.  In Asia, markets were mixed ahead of key report on US inflation. Topix index rose 0.8 per cent, Australia's S&P/ASX 200 Index rose 0.5 per cent, Kospi index fell 0.2 per cent and Hang Seng Index was little changed.  Meanwhile, in commodity market, oil prices held gains after recovering on Tuesday on signs of rising fuel demand in the United States despite a surge in COVID-19 cases. Brent was hovering around $70.67 per barrel after surging over 2 per cent last evening.  Now, a look at stock-specific triggers that are likely to sway the market today. Bata India, Cadila Healthcare, Endurance Tech, New India Assurance, Antony Waste Handling Cell, Bajaj Electricals, HEG, IDFC, India Cement, VIP Industries and Pidilite are among 300 companies slated to post their quarterly earnings.  In its first quarterly results after its listing last month, Zomato said its net loss widened to Rs 356 crore in the first quarter ended June 30 due to increased expenses and a hit on dining out as the second wave of the Covid-19 pandemic upended lives and livelihoods. It had reported a loss of Rs 99.8 crore in the year ago quarter. Revenue from operations in Q1 rose to Rs 844.40 crore, from Rs 266 crore a year ago.  Debt-laden Vodafone Idea (Vi), which is struggling for survival, moved the Supreme Court on Tuesday, seeking a review of its July 23 order that dismissed the petitions of telecom firms for a re-computation of adjusted gross revenue (AGR) dues. Airtel, too, is likely to move the court for relief, as per a BS report. Power Grid Corporation of India posted a nearly three-fold jump in consolidated net profit at Rs 5,998.28 crore in the June quarter, mainly on the back of higher revenues. Trent  reported narrowing of consolidated net loss at Rs 138.3 crore in the first quarter ended June 30 despite disruptions by the second wave of COVID-19 pandemic. The company had posted a consolidated net loss of Rs 184.04 crore in the same period last fiscal. Now, lastly an update on the primary market.  The two new IPOs that opened on Tuesday were off to a tepid start. While Chemplast Sanmar received 16 per cent subscription, Aptus Value was subscribed 24 per cent. The IPO by Nuvoco Vistas managed to garner only 29 per cent subscription at the end of Day 2. CarTrade Tech with 99 per cent subscription looked set to sail through on its last day of bidding process. 

IDFC First Bank reported a net loss of Rs.630 Cr in Q1 FY22 from net profit of Rs.94 Cr in Q1 FY21 last year. The loss incurred is mainly due to heavy provisioning (Rs.1,879 Cr) for cushioning the impact of the second wave of the Covid-19 pandemic. On the Operating front, the bank reported strong operating performance in terms of growth in Net Interest Income, Operating Profit and expansion in NIM. Though stressed asset pools and NPAs remained a key concern for the bank. Here is a 6 point analysis of IDFC First Bank based on Q1 FY22 results.

A historic week for the benchmark indices came to an anti-climactic end as Reliance Industries single-handedly knocked benchmark Sensex and Nifty off their all-time high levels. A Supreme Court order in favour of Amazon stalled Reliance Retail's Rs 24,000 crore deal with Future Retail, pushing RIL 2 per cent lower. Further, while RBI along expected lines kept the repo rate unchanged at 4 per cent in the August policy outcome and reiterated its intent to focus on growth, investors could not ignore some concerns on the inflation front. The 5:1 vote on maintaining accommodative stance and rise in CPI projection for FY22 to 5.7 per cent from 5.1 per cent earlier indicated that debate on inflation is gaining centre stage. The domestic benchmark indices snapped their four-session winning run. The 30-pack Sensex closed the day at 54,278, down 215 points or 0.39 per cent. Meanwhile, NSE Nifty settled the day 56 points or 0.35 per cent at 16,238. Overall, for the five days ended Friday, Nifty ended the week above the 16,000 mark for the first time, up 2 per cent, and also snapped its two-week losing run. IndusInd Bank, Tech Mahindra, Bharti Airtel, Maruti were the top gainers in the 30-pack Sensex while Reliance Industries, Ultratech Cement, Tata Steel, HCL Tech were the top losers.   The broader markets outperformed, with the Nifty Midcap index rising 0.06 per cent and the Nifty Smallcap 0.04 per cent. Sectorally, Nifty Realty and Nifty Media were the top losers while Nifty IT was the best performer. In stock-specific action, shares of Vodafone Idea rallied 20 per cent, bouncing off 57 per cent from its 52-week low level hit on Thursday after the government introduced a Bill in Parliament to nullify the provision of retrospective tax in the Income Tax Act. On the other hand, shares of Future Group companies fell like a deck of cards. All five group stocks ended 9 per cent down following the apex court order that allowed the appeal filed by Amazon against a Delhi High Court order staying attachment of properties of Future Group companies and Kishore Biyani in relation to the Reliance deal. M&M shares ended the day marginally lower at Rs 758.40 per share reported a consolidated net loss after tax from continuing and discontinued operations at Rs 331.74 crore in the first quarter ended June 30 as against Rs 54.64 crore in the first quarter last fiscal. Glenmark Life Sciences shares kicked off its debut day on a quiet note as it listed at 4 per cent premium at Rs 751 per share on BSE against the issue price of Rs 720 per share. Later, the scrip declined a bit more to end the day at Rs 748.20. Meanwhile, in the primary market, the IPO by Devyani International gathered the maximum response by the end of Day 3 as it was subscribed 116 times while that of Krsnaa Diagnostics garnered 64 times bids. Windlas Biotech and Exxaro Tiles, meanwhile, received 22 times subscription. Now, going into trade next week, macro data, quarterly earnings and global cues will be key triggers. On the economic front, Industrial production for June and July retail inflation are slated to be out on Thursday, August 12.  Meanwhile, it will be an earnings heavy week, with Coal India, Tata Steel, Eicher Motors, IRCTC, ONGC, Zomato, India Cements, HEG, IDFC, AstraZeneca, Chemcon, Indian Hotels, Jet Airways, MRF, CAMS, Deepak Fertilisers, Heranba, Jindal Steel, Siemens, Trent, Bharat Forge, HUDCO, IndoStar, Mazagon Dock Shipbuilders, NMDC and Oil India among hundreds of firm slated to post their numbers for June quarter next week. Lastly, three new IPOs will open for subscription next week. Car Trade IPO will open on August 9 while Chemplast Sanmar and Aptus Value Housing Finance will launch their IPOs on August 10. Lastly, shares of Rolex Rings will list on bourses on Monday.

In this episode, Mint's Namrita Patel talks about why and how to make international investments. In this podcast we speak to Vishal Kapoor, CEO, IDFC AMC about the internal and external factors to consider before investing, how to evaluate your options, and answer other commonly asked questions like how to make a choice between international stocks and international mutual funds.

A pullback rally is on the cards for Dalal Street as it looks to resume trade after a one-day gap, thanks to a rally in US equities over the last two days. Wall Street indices rose nearly 3 per cent in the previous two sessions, boosted by robust corporate earnings and renewed optimism about the US economic recovery. On Wednesday, Dow Jones Industrial Average rose 0.83%, the S&P 500 gained 0.82% and the Nasdaq Composite added 0.92%. Along expected lines, Asian peers followed suit, tracking the optimism in US stocks. Australia's S&P/ASX 200 index rose 0.9%, South Korea's Kospi index increased 0.9% while Japan was closed for a holiday. S&P 500 and Nasdaq futures also traded firm. Amid this setup, SGX Nifty was trading 105 points higher at 15,737 around 7.40 am. Volatility in trade is likely on account of stock-specific moves amid quarterly earnings and weekly derivatives expiry.   In the commodities market, Brent crude prices rallied over 4 per cent on Wednesday to top the $72 a barrel mark. In early trade today, they held to gains as signs of stronger demand helped offset an unexpected rise in US inventories. Now, a look at the stock-specific triggers that are likely to guide the market today. Forty-four companies including Hindustan Unilever, Bajaj Auto, Ultratech Cement, Biocon, Hindustan Zinc, IIFL Securities, IndiaMART InterMESH and Wockhardt will release their quarterly earnings today. Brokerages project Bajaj Auto's profit and revenue to more than double on a yearly basis but on quarter-on-quarter (QoQ) terms, the figures are likely to decline. Profitability is expected to be supported by a better mix, price hikes and cost-control measures. As for HUL, analysts say helped by the low-base effect and traction in beauty & personal care and foods & refreshment segments, the FMCG major is expected to post a 7-15% YoY rise in Q1 profit. Meanwhile, revenue projections wary between 11-21%. Bajaj twins - Bajaj Finance and Bajaj Finserv will also be in limelight following their quarterly show. Bajaj Finserv reported an over 31 per cent YoY decline in consolidated net profit at Rs 833 crore for the first quarter ended June 2021. Meanwhile, Bajaj Finance posted a 3 per cent YoY decline in net profit to Rs 843 crore for the same quarter. The Reserve Bank of India has allowed IDFC to exit the IDFC First Bank after the expiry of the lock-in period of 5 years. The promoter and promoter group of Allcargo Logistics has announced a plan to acquire all the equity shares held by public shareholders and voluntarily delist from the stock exchanges by making a delisting offer under the delisting regulations of the stock market regulator SEBI. Jubilant FoodWorks reported a net profit of Rs 62.6 crore for the quarter ended June as against a net loss of Rs 72.6 crore in the year-ago quarter. The company's revenue from operations saw a 131 per cent surge in the quarter to Rs 879 crore. Lastly, another new-age tech company is looking to hit the primary market to raise funds. Policybazzar is planning to raise Rs 6,500 crore. PB Fintech, the parent company of Policybazaar in a regulatory filing approved a resolution to raise the said amount via a fresh issue of equity. Furthermore, Zomato's shares are likely to be allotted to investors today and some media reports suggest the company could list on Friday as against Monday expected earlier.

Here are the top cryptocurrency news headlines from India this week:India mulling a new crypto tax on foreign cryptocurrency exchange transactions: https://www.businessinsider.in/cryptocurrency/news/trading-on-crypto-exchanges-based-outside-of-india-may-get-more-expensive/articleshow/83747213.cms ;What is Equalisation Levy: https://cleartax.in/s/equalisation-levy ;India's super rich get easier access to crypto: https://economictimes.indiatimes.com/tech/technology/exchanges-rolling-out-red-carpet-for-hnis-swarming-for-crypto-coins/articleshow/83758987.cms ;Leading crypto exchanges coming together to lobby for regulation: https://economictimes.indiatimes.com/tech/technology/top-crypto-exchanges-plan-multi-pronged-push-for-regulation/articleshow/83716658.cms ;IDFC bank reportedly stops services to crypto businesses: https://www.livemint.com/companies/news/now-idfc-first-bank-halts-banking-services-to-crypto-industry-11624537138102.html ;TCS launches Quartz For Markets To Help Integrate Crypto Services With Existing Platforms: https://inc42.com/buzz/tcs-quartz-for-markets-to-help-integrate-crypto-assets-with-existing-platforms/ What is TCS Quartz: https://www.youtube.com/watch?v=SHpWRUJzrHA ;Bengaluru police bust another ponzi scheme related to crypto: https://inc42.com/buzz/bengaluru-police-busts-another-crypto-related-ponzi-scheme/ ;Bitbns introduces mandatory bank verification for safer INR withdrawals: https://bitbns.freshdesk.com/support/solutions/articles/35000182227 ;WazirX lists MDEX, Decred and CKB tokens;Video Recommendation:Crypto Dost on the Founder India Show, Talking about the retail investor mindset in Crypto: https://www.youtube.com/watch?v=1ruUuNPyoKw

Good News for IDFC First Bank Investors

IDFC First Bank - 2 Indicators to Watch

Why IDFC First Bank Stock is Falling? Financial Highlights of Q4 FY21

This episode is a discussion with Mr Shailesh Pathak, who is a distinctive and unique personality. Mr Pathak is currently the CEO of L&T Infrastructure Development Projects and has in the past worked in leadership roles with leading firms like Srei, IDFC and ICICI. He served the Indian Administrative Service for 16 years running projects to build roads, power plants, tiger habitats and dams – notably projects linked to the Sardar Sarovar dam. Mr Pathak is an alumnus of IIM Calcutta. Mr Pathak's view from both sides - as a senior government official as well as an industry leader in the private sector offers a vantage point to understand the needs and opportunities for Indian infrastructure. He has personally run some of the largest infrastructure projects in the country from either side. The following links were referenced in the podcast: * Limitations of urban governance: https://www.business-standard.com/article/opinion/shailesh-pathak-getting-talent-and-youth-into-politics-115072500933_1.html * Mr Pathak's experience when the Sardar Sarovar dam was being built - https://twitter.com/shypk/status/909349245894909952?s=20 * Constraints in building infrastructure in India - https://twitter.com/shypk/status/1181098164591325185?s=20

This episode is a discussion with Mr Shailesh Pathak, who is a distinctive and unique personality. Mr Pathak is currently the CEO of L&T Infrastructure Development Projects and has in the past worked in leadership roles with leading firms like Srei, IDFC and ICICI. He served the Indian Administrative Service for 16 years running projects to build roads, power plants, tiger habitats and dams – notably projects linked to the Sardar Sarovar dam. Mr Pathak is an alumnus of IIM Calcutta. Mr Pathak's view from both sides - as a senior government official as well as an industry leader in the private sector offers a vantage point to understand the needs and opportunities for Indian infrastructure. He has personally run some of the largest infrastructure projects in the country from either side. The following links were referenced in the podcast: * Limitations of urban governance: https://www.business-standard.com/article/opinion/shailesh-pathak-getting-talent-and-youth-into-politics-115072500933_1.html * Mr Pathak's experience when the Sardar Sarovar dam was being built - https://twitter.com/shypk/status/909349245894909952?s=20 * Constraints in building infrastructure in India - https://twitter.com/shypk/status/1181098164591325185?s=20

Even as indices make all-time highs, IDFC Equity Opportunity Series 4, a close-ended equity fund launched in 2017 has delivered a return of -30% compared to 20% given by its benchmark. We draw two lessons from this episode for mutual fund investors. For more click the link mentioned below: https://www.livemint.com/money/personal-finance/idfc-mf-fumbles-asks-for-rollover-for-opportunity-fund-11606409435565.html

The International Development Finance Club, a group of 26 national and regional development banks, said its members supplied $197 billion in green finance in 2019, representing a quarter of their total lending.The IDFC in a report published on Friday said while a 47% increase on 2018, the figure for 2019 remains below a high reached in 2017.In total, $867 billion has been invested since 2015, when the Paris Agreement was struck to limit global warming.The role of state-backed lenders in driving the global response to climate change is increasingly under the spotlight given their deep pockets and ability to pave the way for increased private-sector investment by sharing risk.--- Support this podcast: https://anchor.fm/newscast-africa/support

In this week's episode of 'Paisa Vaisa', Host Anupam Gupta is joined by a returning guest, Vinay Bagri is Co-founder & CEO of Niyo. Anupam and Vinay talk about the Niyo IDFC First Savings account. Niyo IDFC First Savings account is a product jointly curated by IDFC First bank and Niyo. They chat about various topics as on what exactly are the user experience problems at banks today; where are the gaps; how does a neo-bank solve customer problems. They also discuss about the Niyo-IDFC First Savings account, what's unique about it, what are the first time features that users can look forward to; Are there any user benefits in opening an account through Niyo instead of directly opening an account through the bank. All this and much more on this episode of Paisa Vaisa.Tune in to find out more about finance on #PaisaVaisa with Anupam Gupta.You can know more about Niyo: (https://www.goniyo.com/)Instagram: @go_niyo (https://www.instagram.com/go_niyo)Twitter: @theniyo (https://twitter.com/theniyo)Linkedin: (https://in.linkedin.com/company/niyo-solutions-inc)Facebook: (https://www.facebook.com/getniyo/)Youtube: (https://www.youtube.com/channel/UCS3ze-1OXrgXIW4jEWRcS8g)You can follow Vinay on his social media:Linkedin: (https://in.linkedin.com/in/vinayniyo)Twitter: @Vinaybagree (https://twitter.com/Vinaybagree)Send in your finance related queries or feedback to our host Anupam Gupta on Twitter: @b_50 (https://twitter.com/b50)If you want to listen to the Niyo Global Card Special episode, check here (https://ivmpodcasts.com/paisavaisa-episode-list/2019/6/24/ep-192-niyo-global-card-special)You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app.

Differentiated bank holdco norms on cards; Bandhan, IDFC First may benefit

In this podcast you will learn1. How to create your own luck 2. How to figure out your next career move 3. Art of connecting the dots Luis Miranda is Chairman of the Centre for Civil Society and CORO. He has been involved in setting up 2 highly successful companies - HDFC Bank and IDFC Private Equity. He is a Co-Founder of the Indian School of Public Policy. Luis spends his time, with his wife, connecting dots; using their networks to help the organisations they are connected with. He is also on the board of Educate Girls and SBI Foundation and co-founded, Take Charge, a mentoring programme for Catholic youth in Mumbai. Luis is also Chairman of ManipalCigna Health Insurance and Senior Advisor at Morgan Stanley. He is a Trustee of the UChicago Trust in India and a member of the Advisory Council of the Rustandy Center for Social Sector Innovation at Chicago Booth. Luis blogs for Forbes, Thrive Global and Spontaneous Order and teaches at the Accelerated Development Program of Chicago Booth. Luis received an MBA from the Booth School of Business at The University of Chicago and is a member of the Institute of Chartered Accountants of India.

Weak global cues and expiry of May series F&O contracts (due Thursday) are likely to sway investor sentiment on Wednesday. Additionally, Q4 results, crude oil prices and the movement of rupee against the US dollar will also be closely tracked.  Benchmark indices ended Tuesday's session with marginal gains, but at record high levels for the third consecutive session. The S&P BSE Sensex settled 66 points or 0.17 per cent higher at 39,750 while the broader Nifty50 index ended the day at 11,929, up 4 points or 0.03 per cent. The rupee settled 18 paise lower at 69.69 per US dollar against Monday's close of Rs 69.51. RESULTS CORNER Nearly 650 companies including Adani Power, IDFC, and NBFC are slated to declare their March quarter results for the financial year 2018-19 (FY19) today.  GLOBAL CUES Asian shares fell on Wednesday amid fears of global economic downturn with US-China trade tensions showing no signs of abating. MSCI’s broadest index of Asia-Pacific shares outside Japan was last down 0.4 per cent while Japan’s Nikkei faltered 1.4 per cent.  In the overnight trade, US stocks settled lower. The Dow Jones Industrial Average slipped 237 points to close at 25,349 levels while the S&P500 ended 24 points lower at 2,802 levels. The Nasdaq ended 30 points lower at 7,607 levels. In commodities, oil prices slipped in the early trade. Brent crude futures were at $69.85 at 6:31 am, down 26 cents, or 0.4 per cent, from the last session’s close.

Harley Schlanger, LaRouchePAC.com, IMPERIAL GEO-POLITICIANS ENGAGE IN FUTILE, BUT DANGEROUS EFFORTS TO BLOCK BRI, Belt and Road for All Nations, World Trade or World War, Defense of Earth, Future Tech and Solutions for Mankind as We Leap Off Earth to Moon Mars and Milky Way Worlds, collapsing London-directed Trans-Atlantic system,Dr Bill Deagle MD AAEM ACAM A4M, NutriMedical Report Show, www.NutriMedical.com, www.ClayandIRON.com, www.Deagle-Network.com,NutriMedical Report Show,https://harley.larouchepac.com/imperial_geo_politicians_engage_in_futile_but_dangerous_efforts_to_block_briIMPERIAL GEO-POLITICIANS ENGAGE IN FUTILE, BUT DANGEROUS EFFORTS TO BLOCK BRIBy Harley Schlanger26April 2019As the second Belt and Road Forum opened in Beijing on April 25, the defenders of the collapsing London-directed Trans-Atlantic system have stepped up their rhetorical assault and financial/military activities against the New Paradigm, which is emerging around President Xi Jinping’s Belt and Road Initiative (BRI). While engaging in endless repetition of bogus charges, such as that of an “aggressive and escalating Chinese military threat”, “state-sponsored spying”, “imperial ambitions” and “currency manipulation”, these war party operatives display the same lack of regard for truth that characterized their use of discredited charges of “Russian hacking” and “Trump collusion” to target President Donald Trump’s outreach to Russia and President Putin. And just as their continuing assault against Trump and Putin has been revealed to be a regime change coup organized by top elements of the British Empire—including their operatives in the Obama intelligence community and their Bush League neocon allies—there is no evidence to back the claims they now are making against China’s President Xi Jinping and his BRI.But these attack dogs are not concerned with truth, nor evidence. Instead, they wish to create a hostile environment against improved U.S.-Chinese relations, to prevent Trump from succeeding in bringing the U.S. into a coordinated relationship with the BRI, based on his often-expressed friendship with Xi. This friendship has provided a basis for productive U.S.-Chinese cooperation in addressing the North Korean nuclear threat, and has survived a rough patch of trade talks, in which the U.S. has imposed tariffs aimed at addressing the continued existence of a large trade deficit with China. The resolve of both leaders to succeed in these talks has resulted in progress, as a new round of trade negotiations begins April 30 in Beijing, with both sides saying they are nearing an agreement, which Trump has repeatedly tweeted will be “historic”.For their part, the Chinese have continued to express a desire for the U.S. to be partners in the BRI process. On the eve of the event, China’s Ambassador to the U.S., Cui Tiankai, appealed to the U.S., to accept this challenge.“Imagine the potential of China and the United States,” he said, “the world’s two largest, most vibrant economies, collaborating on the most ambitious development project in history. The scenario is no fantasy: China’s Belt and Road Initiative (BRI), which kicked off almost six years ago, will eventually connect a vast swath of the world, creating huge yields in economic activity, and wiring the world together as never before. However, the United States remains on the sidelines, and this has implications not only in terms of missed opportunities for growth in the U.S., but for the cause of global development which needs the ingenuity and the industry of the U.S.”END OF GEOPOLITICSThe unwillingness of the anti-China mob in the U.S. to respond positively to this challenge has nothing to do with fears that the Chinese are about to establish a new global empire, to threaten U.S. hegemony. Instead, it is an explicit rejection of an earlier offer made in August 2018 by President Xi, in discussing the goal of the BRI.“The Belt and Road,” he stated, “is an initiative for economic cooperation, instead of a geopolitical alliance or military league, and it is an open and inclusive process rather than an exclusive or ‘China club.'”In language which directly echoes the Schiller Institute’s Helga Zepp LaRouche, who has defined the New Paradigm as one in which “geopolitics” has been eliminated, Xi is clear that he sees the threats against achieving peaceful cooperation as coming from the geopolitical doctrines developed at the end of the 19th century by British imperial strategist Halford Mackinder. A staunch defender of the British Empire, Mackinder argued that the greatest threat to continued British world domination would be the development of new trade routes over land, utilizing rail, which would diminish greatly the dominant position in world trade, based on British sea power.Mackinder’s doctrine defined the emergence of rail connections, such as the Trans-Siberian railroad, or the Berlin-Baghdad line, as existential threats to the Empire. The precedent of Lincoln’s Transcontinental railroad in the U.S., connecting the east and west coasts of the U.S. by land, which was seen as a danger by Britain’s imperial predators, was viewed as a positive precedent by leaders in Europe. To prevent this, the British orchestrated regional wars—such as the Russo-Japanese war, and the 1912-13 Balkan Wars—and employed divide-and-rule tactics, to undermine the strategic cooperation between nations required to achieve peaceful commercial and cultural ties. The geopolitical intervention by the Empire was directly responsible for both World Wars of the twentieth century. Their heirs in today’s anti-Russia, anti-China policy gaggle are pushing a course leading toward a possible World War III, a horrific potential result, but one which does not at all deter them from provocative actions.WILL RUSSIAGATE BECOME CHINAGATE?What is not surprising is that many of those spouting nonsense about China are the same as those who previously—and still are—using Russiagate to control, or remove President Trump. A leading anti-Trump figure in the U.S. Senate, Republican Marco Rubio, is a point man against China, using his Committee on Small Business and Entrepreneurship to spread lies about China. This committee just released a report, “Made in China 2025 and the Future of American Industry”. In introducing the report, Rubio accuses China of “blatant industrial espionage and coercion”, adding that China intends to “steal and cheat their way to world dominance.” In an op ed he wrote on April 25, he accused the U.S. of being “stunningly naive” in pursuit of a trade partnership, a direct attack on Trump’s effort to negotiate with China. He branded the BRI as part of “an unprecedented effort to supplant America’s role as the leading economic and military power,” and warned nations not to fall into China’s “debt trap.” Note that Rubio led the Republican attack on Trump’s negotiations with Russia’s Putin at Helsinki, and has defended the FBI from charges of engaging in a coup against Trump: I have seen “no evidence” that the FBI spied on the Trump campaign, he said on multiple occasions.Rubio’s effort has bipartisan support, with Democratic Party presidential candidate Elizabeth Warren chiming in that China “has weaponized its economy” in its effort to overtake the U.S. This line, which is heard from many Democrats with ties to Hillary Clinton, is coherent with the G.W. Bush era geopolitical dogma of the Project for the New American Century (PNAC), which held that, after the collapse of the Soviet Union, the U.S. must remain the unilateral power in the world. It is also reflected in the reconstitution of the Cold War Committee on the Present Danger (CPD), this time focusing on China rather than Russia. CPD-China, as it is known, held an event in Washington on April 9, featuring Sen. Ted Cruz, a former Trump opponent, Newt Gingrich, an occasional spokesman for Trump, and Steve Bannon, who worked for the Trump campaign and presidency as a “strategist”, but was later fired. Cruz said that China is “the greatest long term geopolitical risk that the U.S. faces”, while Gingrich accused the U.S. of “sleepwalking” while China asserts its new-found power. Bannon has a long history of anti-China posturing, claiming that we are in “an economic war with China”, one which “China foisted on us.”The CPD-C was set up to “inform America about the existential threat” of China. While its personnel are mostly recycled neocons from the Bush era, such as Frank Gaffney, its vice-chair, more concerning is the chorus of voices from within the Trump administration attacking China. These include Vice President Pence, who has accused China of “economic aggression”, having an “unparalleled surveillance state”, and using “‘debt diplomacy’ to expand its influence”; and Secretary of State Pompeo, whose mid-April tour of four nations of Latin America included harsh rhetoric and threats against those wishing to collaborate with China. While in Chile, Pompeo claimed that China deploys its companies abroad to “enter the house, set traps, ignore the rules and propagate disorder.” Pence, Pompeo and special Venezuela envoy Eliot Abrams have taken the point in threatening both Russia and China over what they say are unwelcome intrusions into “our hemisphere”, with their support of the Maduro government in Venezuela, which the British faction has targeted for regime change.Will such absurdly provocative allegations and threats stop China from succeeding with their “win-win” economic and strategic diplomacy? As Mrs. LaRouche has emphasized, China’s efforts are “unstoppable,” except by war, as they address needs in many nations, for infrastructure and development aid, which is not available elsewhere. This was evident in an April 20 article in “Foreign Policy” magazine, “Catching China by the Belt (and Road)”, which wrote about the newly-established U.S. government agency, the International Development Finance Corp. (IDFC), as a plan to counter the BRI. The IFDC was created, the authors posit, to prevent the developing world from falling “under China’s sway,” to “help Washington push back against Beijing’s sweeping BRI.”However, they admit that the IFDC has offered a paltry $60 billion in capital, compared to the more than $1 trillion already pledged by China. Further, the aid comes with the requirement that the IMF and World Bank be involved in overseeing the fund disbursement. Saying this is necessary to prove that China is violating “well-established norms with its lending policies”, and to “draw attention to the corruption of the BRI”, it is well known that one of the reasons so many nations have welcomed the BRI is their rejection of IMF/World Bank conditionalities, which have prevented real development from occurring, while maintaining the colonial lending practices favorable to the financial institutions controlled by the British empire.As Russiagate has crumbled, brought down by its blatant lies and increasingly transparent evidence that it was nothing but a coup, run by a foreign power—Britain—to overturn the result of the 2016 election, “Chinagate” will ultimately fail. The potential benefits of peaceful cooperation between the U.S. and China, recognized by both Presidents Trump and Xi, in light of the great success of the BRI, are a preferred outcome to trade war and military confrontation. The media may hide from the American people the dynamic story of China’s BRI, but, if the truth becomes known, it is likely that Americans would reject the McCarthyite scare mongers, as they have in the past, and embrace the possibilities in a “win-win” relationship with China. For information regarding your data privacy, visit Acast.com/privacy See acast.com/privacy for privacy and opt-out information.

This week on the Sinica Podcast, Kaiser and Jeremy are joined by Eric Olander, host of the China in Africa Podcast from the China Africa Project, and by Anzetse Were, a developmental economist based in Nairobi. They explore questions related to Kenyan debt and development, as well as Sino-American competition in East Africa. What to listen for on this week’s Sinica Podcast: 10:33: When did China begin to put concerted diplomatic effort into relations with African countries? What were the optics of China’s push into the African continent? Anzetse highlights three examples that led to China’s success in dealing with businesses and governments: “[Chinese diplomats] are quite humble in their articulation, certainly to African people, saying, ‘While this has been the Chinese experience, we don’t know what you want, what you can learn and what you don’t want to learn.’ So they’re not prescriptive. But of course the biggest thing that African governments like is that they don’t lecture about anything.” 19:05: Is China leading African countries into “debt traps”? What are the primary causes for concern regarding the debts of African governments, and the wider international community? Anzetse explains that it’s a confluence of factors, including transparency issues and the effects of kindling trade relationships with new partners: “There is concern in the global north, particularly Europe and North America, as to reexposure in African governments to debt…and their concern is that they’re doing it with a party that the world does not really understand in terms of how it deals with debt defaults and how it deals with repayments owed. I think that Europe and North America were much more comfortable when debt owed was in their hands, obviously because they had [control], but I think because they had a common understanding on how this would be addressed. They do not know how the Chinese are going to do this.” 42:21: America is restructuring the way it provides aid to the rest of the world through the International Development Finance Corporation (IDFC) and the Better Utilization of Investments Leading to Development Act (BUILD Act), in an attempt to compete with China in the developing world. How effective is this restructuring? Eric provides some insight: “It’s not challenging China at all. It’s not intended to challenge China. Instead, they actually complement each other very, very well. So, a country like Kenya can turn to China for infrastructure and massive loans from the Chinese for a public sector type of development. But then, IDFC and the U.S. come in to fund American business and Kenyan business that can’t get funding anywhere else.” 49:36: What effect is the Belt and Road Initiative having in Africa? What about the African countries that are excluded from the plans, as China has made inroads, for the most part, on Africa’s eastern seaboard? Anzetse states: “I think the Chinese began to understand, ‘We do not want to start dividing African sentiments on China, we’re going to find a way to make sure all the regions in Africa are represented in this Belt and Road Initiative. Whether it will be practical is not clear.” Recommendations: Jeremy: I Didn't Do It for You: How the World Betrayed a Small African Nation and In the Footsteps of Mr. Kurtz: Living on the Brink of Disaster in Mobutu's Congo, both by Michela Wrong. Eric: Competing against Chinese loans, U.S. companies face long odds in Africa, an article in the New York Times by Ed Wong. Anzetse: Rhinocéros, by Eugène Ionesco. Kaiser: Lake Success: A Novel, by Gary Shteyngart.

A new front in the US-China trade war has opened up and that’s foreign investment. In the beginning of October, President Trump signed the Better Utilization of Investments Leading to Development, or BUILD Act. It combines several smaller government agencies into the new US International Development Finance Corporation, or IDFC with 60 billion dollars to invest in developing nations around the world—mostly in Africa. The goal is to counter Chinese investment in Chinese leader Xi Jinping's Belt and Road Initiative.

The awareness about debt schemes in limited due to a variety of reasons. But having a fixed income or debt component in your portfolio is essential to building a diversified portfolio. In part 1 of the Series, Winston Noronha, Head of content and learning and development at IDFC mutual fund explains the basics of bonds, the various types of instruments, and sets the stage before diving deep into the complexities of fixed income. Just to set the context the bond market in India is still in its nascency. The corporate bond market today just accounts for 16% of the Indian GDP vs 73% in South Korea and 120% in the US. The bond market in India is dominated by government bonds. Even in mutual funds, institutions are the dominant investors with 54% of the AUM. Comparatively, 87% of assets in equity-oriented schemes are held by retail investors. Winston has a career spanning 25 years in financial services with a background in financial advisory, sales, and research. He has held in strategic and leadership roles in these areas. In recent years Winston is living his passion. He is an ardent believer of appropriate financial advice and financial awareness. He works at the intersection of sales, finance, and behavior. He is a proponent of experiential learning by using high engagement and innovative instructional delivery. Link to the original webinar: http://bit.ly/2RxKla1

India is rapidly urbanizing – and the Indian state seems to be in denial about it. Reuben Abraham and Pritika Hingorani join Amit Varma in episode 108 of The Seen and the Unseen to discuss what India needs to do to prepare for its urban future. Also check out: India’s a Land of Cities, Not Villages -- Reuben Abraham and Pritika Hingorani How cities, not states, can solve the world's biggest problems -- Robert Muggah and Reuben Abraham Reclaim the Sky  -- Episode 11 of The Seen and the Unseen, on FSI Why Are Our Cities So Messed Up?  -- Episode 31 of The Seen and the Unseen, on Urban Governance The Gateway to Our Cities  -- Episode 21 of The Seen and the Unseen, on Slums The World is Getting Better  -- Episode 101 of The Seen and the Unseen, on Human Progress Order Without Design  -- Alain Bertaud Triumph of the City  -- Edward Glaeser Young Rural Women in India Chase Big-City Dreams -- Ellen Barry You can listen to this show and other awesome shows on the new and improved IVM Podcast App on Android: https://ivm.today/android or iOS: https://ivm.today/ios

U.S. president Donald Trump signed the Better Utilization of Investments Leading to Development, also known as the BUILD Act, into law on October 5th, creating a powerful new development finance organization that is aimed at challenging China’s dominance in lending to developing countries. The law combines two existing organizations, the United States Overseas Private Investment Corporation (OPIC) and USAID’s Development Credit Authority to a form a new entity called the International Development Finance Corporation (IDFC) with $60 billion in its coffers.   Washington, D.C.-based Africa analyst at the Atlantic Council and an avid IDFC supporter Aubrey Hruby joins Eric & Cobus to provide a high-level introduction to the IDFC and how its lending strategy will differ markedly from what the Chinese are doing in Africa and other emerging markets.   Join the discussion. Are you happy that the U.S. is now getting into the development finance game to provide a new financing alternative for African businesses? Or do you think it’s a bit “too little, too late” from the United States after the Trump administration’s questionable commitment to Africa (remember what he said about those s***hole countries and when he made up a country called “Nambia”?). Let us know what you think.   Facebook: www.facebook.com/ChinaAfricaProject  Twitter: @eolander | @stadenesque | @AubreyHruby Email: eric@chinaafricaproject.com   Be sure to join our weekly email newsletter mailing list for a carefully curated selection of the week's top China-Africa news. Sign up here.   For more information about Eric & Cobus and the China Africa Project, click on our new About page for details.

Danmo has upgraded his face from its usual dead and vapid look, all because he has grown a mustache.

Danmo has upgraded his face from its usual dead and vapid look, all because he has grown a mustache.

Marilynrrush, Puchi Kimble, Extincion Bulgara, Reptil Desploblador, Free Bebote, Bares Pug, CNP influencer, Los Magrebies, Obrericidio Global, Trump Wolf, Califa Espacial, Mandarinas Clandestinas, Gasolinazo Hormiga, Puerto Muerte y mucho mas VIDEOTECA REPORT --Acto canibal de protesta https://www.youtube.com/watch?v=8J6oPAzj5T8 --Pittsburgh; Pateada, noqueada, robada y filmada, pero sin que nadie la ayude http://pittsburgh.cbslocal.com/2017/10/26/get-marty-beechview-woman-knocked-out-video/ --Evra se hace un Cantona https://www.youtube.com/watch?v=G6Ee-jeKJC8 --Salafo doritero que solo juega a la Play https://www.youtube.com/watch?v=FCHzbKpoZqk&t=219s --Bautizo criminal en Rumania https://www.youtube.com/watch?time_continue=1&v=uB6Cgq7uH5g --San Fermines chinos en un supermercado http://www.dailymail.co.uk/news/china/article-5023719/Bull-china-shop-Buffalo-rams-pregnant-woman.html?ito=social-twitter_mailonline ENLACES --Tagarrush, deber nacional http://www.euronews.com/2017/10/30/egyptian-lawyer-says-raping-women-in-revealing-clothing-is-national-duty?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+euronews%2Fen%2Fnews+%28euronews+-+news+-+en%29 --Ukro voluntarios Pruces http://www.elmundo.es/f5/descubre/2017/10/31/59f78d0e468aebbb5c8b4612.html --Excursiones al Corte Ingles https://www.elconfidencial.com/alma-corazon-vida/2017-10-30/respuesta-viral-madre-excursion-corte-ingles-colegio_1469337/ --Rothschild por España http://sevilla.abc.es/estilo/gente/abci-rothschild-afianzan-espana-201711020116_noticia.html#ns_campaign=mod-lo-mas&ns_mchannel=leido&ns_source=genteestilo&ns_linkname=noticia.video.estilo&ns_fee=pos-2&vtm_loMas=si --Escuelas NorCoreanas en la isla mutante http://www.bbc.com/mundo/noticias-internacional-41767997 --Harvey Factura http://www.aldiadallas.com/2017/11/01/texas-necesita-61000-por-danos-causados-por-el-huracan-harvey/ --FED Goldman http://thehill.com/policy/finance/357565-trump-says-hell-nominate-jerome-powell-to-chair-federal-reserve --Heroina en la maternidad http://www.elheraldo.hn/queondaconesto/1118692-466/arrestan-a-hombre-por-vender-hero%C3%ADna-en-sala-de-maternidad --Tourmalet de deuda http://www.eleconomista.es/economia/noticias/8712566/10/17/La-deuda-del-Estado-cierra-septiembre-en-982119-millones-y-marca-record.html --Reptil despoblador https://actualidad.rt.com/actualidad/254284-principe-guillermo-rapido-crecimiento-poblacion --House of cards violon http://vertele.eldiario.es/noticias/Netflix-cierre-House-Kevin-Spacey_0_1953404674.html --Hermano Musulmanrrush http://www.abc.es/internacional/abci-escandalo-teologo-musulman-violador-y-agresor-sexual-tariq-ramadan-201710301348_noticia.html --McCain kurdo http://www.kurdistan24.net/en/news/1e7f3f17-ae19-4e38-886f-9771f42ca9d4 --El Salvador (Muerte-America) http://www.elsalvador.com/noticias/nacional/414600/infografia-ola-imparable-de-muertes-violentas/ --Chuck Norris contra la farmafia http://time.com/5007267/chuck-norris-wife-mri/ --Doriteros salidos https://www.losreplicantes.com/articulos/violan-destrozan-muneca-sexual-expuesta-arte/ --Falta de derechos humanos en la gusanera http://www.diariolasamericas.com/florida/denuncian-violacion-derechos-humanos-comunidades-vulnerables-florida-n4136004 --Gatos karatekas http://culturainquieta.com/es/foto/item/12882-un-japones-fotografia-gatos-haciendo-artes-marciales.html --Los Magrebíes https://www.elespanol.com/reportajes/grandes-historias/20171027/257475229_0.html --Bares Pug http://www.abc.com.py/mundo-curioso/el-pug-ultimo-accesorio-de-moda-en-reino-unido-1644752.html --Obrericidio semanal http://www.eitb.eus/es/noticias/economia/detalle/5181394/fallece-trabajador-lemoa-al-caer-silo-20-metros/ http://www.larioja.com/la-rioja/trabajador-calahorra-muere-20171031004355-ntvo.html --Abu Ivanka desciende del hombre-lobo http://www.mirror.co.uk/news/weird-news/donald-trump-could-descended-infamous-11441764 --Hortalizas Marroquies http://www.agroinformacion.com/frutas-y-hortalizas-marruecos-gana-terreno-y-las-ayudas-pac-no-son-claras/ --Mk Ultra con himno britanico https://blogs.20minutos.es/becario/2017/11/03/escucha-el-himno-de-inglaterra-dentro-de-su-cabeza-1-700-veces-por-semana/ --Flota pirata chatarreria flotante https://actualidad.rt.com/actualidad/254131-revelan-datos-chocantes-canibalizacion-buques -F35 oxidados https://www.reuters.com/article/us-lockheed-f35-exclusive/lockheed-f-35-deliveries-were-halted-for-30-days-pentagon-idUSKBN1D155W --Cerveza de pimientos de Padrón https://blogs.20minutos.es/la-gulateca/2017/11/03/llega-la-cerveza-de-pimientos-de-padron/ --Sardina-cidio http://www.lasexta.com/noticias/sociedad/sardinas_2017110259fb28310cf2ebaa16519d8d.html --Subnormal escoces https://www.infobae.com/america/mundo/2017/10/31/se-disfrazo-de-maddie-mccann-para-halloween-y-desato-la-furia-en-las-redes-sociales/ --Momiafato privatizador https://www.elconfidencial.com/espana/madrid/2017-10-29/carmena-privatizacion-conserjes-colegios-publicos-madrid_1468308/ --Morocco disidentes https://www.theguardian.com/world/2017/nov/01/moroccos-gag-on-dissent-in-rif-region-fuels-exodus-to-europe --Safari del Islam http://www.20minutos.es/noticia/3176974/0/alcaldesa-holanda-prohibe-evento-ultra-safari-islam/ --Boko menores bomba http://www.antena3.com/noticias/mundo/nina-inmola-mata-otros-seis-menores-que-jugaban-lado-camerun_2017110159f9d1900cf2ebaa164e6af6.html --Suizos probando drones usurpadores http://www.europapress.es/internacional/noticia-suiza-reconoce-probo-drones-israelies-altos-golan-20171102144943.html --El libro de Barcenas http://www.elmundo.es/cronica/2016/01/10/56910454ca47412f308b460b.html --Brexit Sanitario https://www.theguardian.com/society/2017/nov/02/european-nurses-midwives-leaving-uk-nhs-brexit-vote --Ofensiva contra Al shabaab http://www.expansion.com/agencia/europa_press/2017/11/02/20171102053147.html --Chechena dada de baja http://www.elmundo.es/internacional/2017/10/31/59f7af5a268e3ea9758b45e9.html --Luz y calefaccion para ricos https://www.elindependiente.com/economia/2017/11/01/el-precio-de-la-electricidad-sera-este-ano-el-mas-caro-desde-2009-y-empuja-el-recibo-de-luz/ http://www.publico.es/sociedad/pobreza-energetica-4-5-millones-espanoles-esperan-frio-recursos-combatirlo.html --Anomalia antartica http://www.ladbible.com/news/weird-interesting-theres-a-mysterious-gravity-anomaly-lurking-under-the-antarctic-ice-20171028 --Suegros rumanos de PeloFregona http://www.elmundo.es/cronica/2017/10/29/59f4cb7c22601d87538c078f.html?cid=MOTB23701 --Mandarinas Clandestinas. http://www.agroinformacion.com/denuncian-la-introduccion-clandestina-y-fraudulenta-de-una-mandarina-procedente-de-un-pais-infestado-de-greening/ --NIeto de Franco perseguido politico http://www.publico.es/politica/nietisimo-franco-acusa-guardia-civil.html --Feijoo hace negocio con los incendios https://www.infolibre.es/noticias/politica/2017/10/27/feijoo_pago_000_euros_varios_periodicos_por_publicidad_toda_pagina_con_declaracion_institucional_sobre_los_incendios_71197_1012.html?platform=hootsuite --Bibi familia esclavista http://www.elmundo.es/internacional/2017/10/29/59f603aee2704ec2678b45b7.html --Benemerito plaguicida http://www.diarioinformacion.com/sucesos/2017/10/28/juzgan-guardia-civil-matar-plaguicida/1951561.html --Lider separatista anglofilo detenido http://saharareporters.com/2017/10/31/cameroon-government-sentences-opposition-leader-25-years-jail --Indemnizaciones polukras http://spanish.almanar.com.lb/140798 --Operacion Recesvinto http://www.elcomercio.es/politica/desarticulada-banda-robaba-20171031145534-ntrc.html --ONjetas tagarrushers http://www.independent.co.uk/news/uk/home-news/oxfam-sexual-abuse-rape-allegations-fires-staff-a8030331.html --Salafismo escolar http://news.xinhuanet.com/english/2017-10/31/c_136716080.htm --Gasolinazo Hormiga http://www.nvinoticias.com/nota/73718/gasolinazo-hormiga-llega-al-20 --El mundo vuelve a 1905 http://www.elboletin.com/noticia/155273/economia/la-concentracion-de-la-riqueza-vuelve-a-niveles-de-1905.html --Kim y Xi https://www.elespanol.com/mundo/asia/20171102/258974188_0.html --Se pasa de listo con los monos http://www.ladbible.com/news/news-aussie-rapist-on-the-run-taunts-police-to-come-get-him-gets-arrested-20171027 ESPECIAL TRATADOS DE LIBRE COMERCIO, Y FOODS WARS http://www.expansion.com/economia/politica/2017/10/27/59f35f0f22601d8e7e8b45e6.html http://www.vozpopuli.com/politica/nacionalistas-ridiculo-Sanchez-permiten-CETA-aprobar_0_1039996222.html http://www.elboletin.com/noticia/155204/nacional/el-senado-aprueba-el-ceta-tras-acordar-la-aplicacion-del-155.html http://www.lasprovincias.es/economia/tratado-ceta-canada-20171101005349-ntvo.html http://www.elmundo.es/economia/2017/06/26/59514884468aeb2f418b461b.html http://www.lavanguardia.com/politica/20170626/423708643914/la-ce-defiende-que-el-ceta-es-un-acuerdo-bueno-para-europa-y-para-espana.html http://es.blastingnews.com/internacionales/2017/10/el-ceta-el-peligroso-acuerdo-para-los-ciudadanos-del-mundo-002133241.html http://www.elfinanciero.com.mx/economia/mexico-podra-imponer-sanciones-a-eu-por-etiquetado-de-atun-omc.html https://elpais.com/economia/2017/10/26/actualidad/1509044696_628709.html http://www.bbc.com/mundo/noticias-america-latina-39300065 http://www.bbc.com/mundo/noticias-america-latina-41647241 http://www.antena3.com/programas/espejo-publico/noticias/la-guerra-de-trump-contra-la-aceituna-espanola_2017091159b667940cf2c12b2612cb5c.html http://www.bbc.com/mundo/noticias-41409403 http://cadenaser.com/ser/2017/10/26/internacional/1509013625_854926.html https://zoevaldes.net/2017/10/29/francia-tiembla-ante-la-crisis-de-la-mantequilla-economia-el-pais/ https://www.elsaltodiario.com/ceta/cinco-cosas-que-te-vas-a-comer-con-el-acuerdo-ceta-que-entra-en-vigor-hoy http://www.bancomundial.org/es/news/press-release/2017/10/26/commodity-prices-likely-to-rise-further-in-2018-world-bank --Jordi Tabarra http://www.abc.es/espana/abci-companero-celda-jordi-sanchez-pide-cambio-porque-insoportable-201710290312_noticia.html --Desertor sugiere colorismo https://www.infobae.com/america/mundo/2017/11/01/un-desertor-norcoreano-advirtio-que-una-rebelion-civil-podria-derrocar-a-kim-jong-un/ --Amancio gana lo mismo que 27.000 esclavos http://www.publico.es/economia/ortega-ingresa-jueves-dividendos-inditex-ganan-27100-trabajadores-ano.html --Only robots zone https://www.reuters.com/article/portugal-tech/portugal-planning-free-zones-for-drones-self-driving-cars-idUSL8N1N65FO --¿Ahorro?¿Que es eso? https://www.infolibre.es/noticias/economia/2017/10/31/el_los_espanoles_no_tiene_capacidad_ahorro_71352_1011.html --Obrericidio infantil http://www.aljazeera.com/news/2017/10/indonesia-arrests-deadly-factory-fire-171030184125514.html --Tirada de manta qatari https://es.news-front.info/2017/10/28/riad-nos-encargo-de-derrocar-a-al-asad/ --Yoko Ono & Assange pruces http://www.hollywoodreporter.com/news/yoko-ono-honors-julian-assange-417790 https://lasillarota.com/cataluna-pago-yoko-ono-julian-assange/186153 --Rancho Hipster (que se vayan a Almeria coño) https://www.infobae.com/america/wapo/2017/10/31/descubre-el-anvil-hotel-un-rancho-del-lejano-oeste-pensado-para-hipsters/ --Para que socorras a un ingles.. https://www.metro.news/teen-gang-hunted-after-samaritan-is-pushed-on-tracks/795243/ --Revuelta takbir en Eritrea http://www.aljazeera.com/news/2017/11/eritrea-opposition-security-forces-kill-28-protesters-171101171043467.html --Al Govern se la sudan los catalanes https://www.elconfidencial.com/espana/2017-10-31/independencia-cataluna-govern-desvio-fondos-asuntos-sociales-montar-hacienda-catalana_1469836/ --UkroAtlantistas boicoteados por Hungria https://mundo.sputniknews.com/europa/201710281073545832-hungria-ucrania-otan-cumbre/ --Bananacidio https://www.infobae.com/america/wapo/2017/10/28/la-fruta-mas-popular-del-mundo-podria-desaparecer/ --Poligonera echa el cierre http://www.eldiario.es/madrid/asociacion-referencia-Madrid-atencion-violadas_0_701680795.html --Narco-niño http://www.antena3.com/noticias/mundo/menor-anos-reclutado-banda-narcotrafico-escala-ser-uno-sus-cabecillas_2017102859f4d7080cf2ade40e3022c3.html --El jugador mearras http://www.lasexta.com/noticias/deportes/futbol/expulsan-jugador-sexta-division-inglesa-orinar-medio-partido_2017102859f4f38d0cf2ade40e305c51.html --Cinco horas subidos a un olivo por los perritos http://www.europapress.es/andalucia/noticia-matrimonio-atacado-dos-perros-ubeda-jaen-permanece-cinco-horas-subido-olivo-evitar-mordidas-20171027105828.html --Sinaloa y la DEA https://www.debate.com.mx/mundo/La-DEA-da-a-conocer-quien-lidera-el-Cartel-de-Sinaloa-20171101-0053.html --Manifestacion en Francia para denunciar el aumento del tagarush. http://es.euronews.com/2017/10/29/manifestaciones-en-francia-contra-el-acoso-sexual-a-las-mujeres --CNP influencer https://www.elgrupoinformatico.com/policia-nacional-alcanza-los-millones-seguidores-twitter-t39389.html --Cuba online http://www.lasexta.com/noticias/internacional/cuba-hace-frente-a-las-restricciones-comerciales-de-eeuu-y-lanza-su-primera-tienda-online_2017102759f2e17e0cf233cdb996059c.html --Tagarrush magrebi en Canarias http://www.elmundo.es/sociedad/2017/10/26/59f1e376ca47416b688b45f8.html --ISISrrush al hermano teuton https://topeteglz.org/2017/11/01/un-hombre-aleman-que-se-unio-al-isis-lo-convirtieron-en-esclavo-sexual/ --Dimite Barzani http://spanish.almanar.com.lb/140765 --Fidel en Sudafrica http://www.14ymedio.com/sociedad/Fidel-Castro-estatua-Sudafrica_0_2316368346.html --Bicho Harram https://www.alaraby.co.uk/english/blog/2017/10/31/saudi-woman-divorces-husband-who-beat-her-over-ronaldo --Marido de Trinquedal https://www.elconfidencial.com/empresas/2017-10-31/iberdrola-reelige-marido-de-cospedal-consejero-iberinco_1469629/ --Secuestrando en Mejico http://www.bbc.com/mundo/noticias-america-latina-41812908 ESPECIAL LA VIDA PRIVADA DE NUESTROS POLITICOS http://www.elboletin.com/noticia/155191/nacional/las-camas-de-gestion-privada-en-madrid-se-duplican-en-cinco-anos.html http://www.lavanguardia.com/local/madrid/20171101/432523898297/la-privatizacion-sanitaria-sigue-a-los-5-anos-del-plan-lasquetty-segun-adspm.html http://cadenaser.com/emisora/2017/11/01/radio_ibiza/1509539821_500556.html http://www.elboletin.com/noticia/155138/nacional/las-universidades-privadas-en-espana-se-quintuplican-en-dos-decadas.html https://www.elindependiente.com/economia/2017/10/26/la-administracion-suma-30-000-interinos-mas-desde-que-se-comprometio-a-reducirlos/?resumee=off http://www.laopinioncoruna.es/economia/2017/10/31/bankia-confia-frob-avance-privatizacion/1231101.html https://www.elconfidencial.com/empresas/2017-10-27/libro-servicios-publicos-ideologia-externalizaciones_1466649/ http://www.miseshispano.org/2017/10/defensa-de-la-privatizacion-de-oceanos-y-rios/ http://elordenmundial.com/2017/10/30/el-negocio-de-la-seguridad-en-zonas-de-conflicto/ --Boris escribiendo articulos borracho http://www.europapress.es/internacional/noticia-boris-johnson-cuestiona-haya-aplicado-totalmente-declaracion-balfour-guino-propalestino-20171030193044.html --Torierrush. http://www.elmundo.es/internacional/2017/10/30/59f72d52468aeb38058b45ad.html --Leyes anti-migracion http://www.europapress.es/internacional/noticia-japon-pone-marcha-serie-medidas-antiinmigracion-restringe-derechos-solicitantes-asilo-20171031062047.html --Califas espaciales https://mundo.sputniknews.com/espacio/201710301073570867-riad-inversion-empresa-espacio/ --Falso buddy de Nacho Vidal http://sevilla.abc.es/estilo/gente/abci-clinica-desmiente-abuso-sexual-nacho-vidal-sin-pagar-factura-201710301119_noticia.html#ns_campaign=rrss&ns_mchannel=abc-es&ns_source=tw&ns_linkname=cm-general&ns_fee=0 --Puerto Rico a oscuras http://www.elmundo.es/internacional/2017/10/29/59f61c0c268e3e127a8b45f3.html --Crisis vampirica http://en.rfi.fr/africa/20171031-social-media-economic-stress-root-vampire-attacks-says-malawi-psychologist --Trabaja en Amazon https://www.elconfidencial.com/tecnologia/2017-10-30/amazon-espana-temporalidad-empleo-ett_1468081/ --Estadios modernizadores https://elpais.com/internacional/2017/10/30/actualidad/1509344298_870982.html --Pedofi Skype https://actualidad.rt.com/actualidad/253824-pedofilia-vivo-pareja-britanica-menor --Reptilcito amenazado http://m.20minutos.es/noticia/3173536/0/estado-islamico-quiere-matar-principe-jorge-hijo-duques-cambridge-escuela/ --Nueva rival de Putin http://www.elmundo.es/internacional/2017/10/30/59f734cf46163f81258b467b.html --Guerra de taxistas en Sudafrica http://thenationonlineng.net/10-dead-south-african-taxi-boss-attack/ --Prohibido el famadihana https://uk.news.yahoo.com/plague-alert-over-madagascars-dance-dead-020315406.html --Nostalgicos aquemenidas http://www.europapress.es/internacional/noticia-detenidas-varias-personas-reunion-ilegal-tumba-rey-persa-ciro-ii-grande-20171030044501.html --Abusao protestao https://es.news-front.info/2017/10/27/visita-de-macron-a-la-guayana-degenera-en-disturbios/ --Barras vs Estado argentino https://elpais.com/deportes/2017/10/28/actualidad/1509206911_168372.html --Conflictos cotidianos en NIgeria http://www.monitor.co.ug/News/National/12-year-old-boy-witchdoctor-arrested-over-human-sacrifice/688334-4162394-x6v16m/index.html --En Mejico mueres hagas lo que hagas http://www.radioformula.com.mx/notas.asp?Idn=720993&idFC=2017 --Elecciones keniatas http://www.elmundo.es/internacional/2017/10/30/59f75030268e3e6e618b4593.html --Narcoregimen http://www.diariodemallorca.es/sucesos/2017/10/30/juzgan-guardia-civil-retirado-alijo/1259695.html --Woijtylo sin estatua http://www.20minutos.es/noticia/3172955/0/polonia-ofrece-acoger-monumento-juan-pablo-ii-francia-censura/ --Campaña electoral nuclear http://www.elmundo.es/internacional/2017/10/29/59f54e79e5fdeab2498b461f.html --Congreso magufo http://infocatolica.com/blog/infories.php/1710291157-un-colegio-catolico-de-madrid --Alarma anti-pedofis https://internationalpress.jp/2017/10/30/nina-en-japon-se-salvo-de-secuestro-gracias-a-que-llevaba-una-alarma/ --Cultura Halloween http://www.lavanguardia.com/comer/tendencias/20171031/432485732743/halloween-cadenas-comida-rapida.html http://www.elmundo.es/viajes/el-baul/2017/10/25/59d74828e2704ef4308b4692.html http://www.estedemadrid.com/noticia/48441/rivas/halloween-h2o:-muerete-tu.html --Aduanas Abu Dhabi https://elpais.com/deportes/2017/10/30/actualidad/1509367274_883061.html --Sinverguenza gerontofilo https://www.eltribuno.com/salta/nota/2017-10-29-0-0-0-se-caso-con-su-bisabuela-de-91-anos-y-reclama-la-pension --Vende tierras a Albion https://es.news-front.info/2017/10/28/vendera-poroshenko-el-territorio-del-pais-a-londres/ --Maria Teresa mediadora http://www.diezminutos.es/famosos-corazon/famosos-espanoles/news/g18149/maria-teresa-campos-mediadora-entre-bertin-y-arevalo/ --Entierrate vivo en Halloween https://m.diariocritico.com/noticia/514416/sociedad/la-tendencia-mas-siniestra-de-halloween.html --Rios quimicos https://www.ecoportal.net/temas-especiales/salud/farmacos-drogas-contaminantes-rios/ --Esposa Paki envenenadora http://www.asiaone.com/asia/pakistani-wife-kills-husband-12-others-poisoned-lassi --Veterano naranjista https://es.news-front.info/2017/10/28/un-expresidente-de-ucrania-desafia-a-poroshenko/ --Futbol harram https://actualidad.rt.com/actualidad/253990-estado-islamico-anuncios-propagandisticos-ronaldo-asensio --Subsidio takbir https://mundo.sputniknews.com/economia/201710311073608329-daesh-siria-francia-financiacion/ --Dastis ama-ukros http://www.lavanguardia.com/politica/20171030/432490205261/ucrania-y-espana-se-apoyan-mutuamente-ante-los-movimientos-secesionistas.html --Miami false flag http://www.lechuguinos.com/cia-bombardear-miami-masacrar-cubanos/ --DNI Buitre https://elpais.com/internacional/2017/10/31/solo_en_argentina/1509482934_565376.html --Jueces Usaid https://www.eloccidental.com.mx/local/capacitara-udeg-a-mil-830-operadores-del-sjpa --Hulk Irani https://mundo.sputniknews.com/increible/201710261073485282-sajad-gharibi-luchador-iran/ --Visión modernizadora nuclear https://www.reuters.com/article/us-saudi-nuclear/saudi-arabia-to-extract-uranium-for-self-sufficient-nuclear-program-idUSKBN1CZ1ON --Honor siciliano https://actualidad.rt.com/actualidad/254065-mafia-siciliana-ordenar-asesinato-hija --Policia bielorruso despedido por patear un gato https://tvzvezda.ru/news/vstrane_i_mire/content/201710280549-ofbq.htm --Pueblo va al bar a dar una curra al alcalde https://www.infobae.com/america/mexico/2017/10/30/golpiza-feroz-a-un-alcalde-mexicano-cuando-intento-impedir-que-lincharan-a-presuntas-secuestradoras-de-ninos/ --Santo de las Maras http://www.elheraldo.hn/mundo/1121014-466/guatemaltecos-rinden-culto-a-santo-que-veneran-pandilleros-y-prostitutas --Tecnicas guarimberas salafas https://es.news-front.info/2017/10/29/decomisan-tropas-sirias-enorme-almacen-de-trigo-perteneciente-a-daesh/ --Extincion bulgara https://www.elconfidencial.com/mundo/2017-10-31/bulgaria-catastrofe-demografica_1467378/ --Machetazos en el hospital http://www.mirror.co.uk/news/world-news/gangsters-machetes-filmed-brawling-inside-11441878 --Refugee salafo http://www.eleconomista.es/internacional-eleconomista/noticias/8712407/10/17/Alemania-Detenido-en-Alemania-un-joven-sirio-que-planeaba-atentar-en-el-pais.html --Simulacro escolar mejicano https://www.infobae.com/america/mexico/2017/10/26/bajen-la-cabeza-alumnos-mexicanos-realizaron-un-simulacro-de-una-balacera-en-la-escuela/ --Psiquiatra de la aristocracia http://www.diariovasco.com/gente-estilo/psiquiatra-aristocracia-ante-20171101002317-ntvo.html --BuddyTinders solo quieren perros http://www.mirror.co.uk/news/uk-news/student-18-who-posed-dogs-11452124 --Mutantes esclavistas https://internationalpress.jp/2017/10/30/medico-japones-advierte-vietnamitas-japon-pueden-esclavizados/ --Alfabeto kazajo http://www.aljazeera.com/news/2017/10/kazakhstan-switch-cyrillic-latin-alphabet-171028013156380.html --Hitler en Colombia https://es.news-front.info/2017/10/28/cia-hitler-habria-escapado-a-colombia/ --Hindu maltrata-madres http://www.independent.co.uk/news/world/asia/man-mother-lock-up-home-96-year-old-holiday-sabita-nath-bikash-a8028026.html --Narco-finanzas Botin https://www.meneame.net/m/actualidad/segun-querellante-emilo-botin-fue-asesinado-despacho-banco --Faraonismo chino para regar el desierto http://noticiaaldia.com/2017/10/china-batira-todos-los-records-tunel-1-000-kilometros-llevar-agua-al-desierto/ --Obrericidio en la India https://www.indiatimes.com/news/india/explosion-kills-four-several-injured-at-ntpc-plant-in-uttar-pradesh-toll-expected-to-rise-332829.html --Pastor trincon http://larepublica.pe/politica/1137408-preso-por-lavado-de-activos-vicente-diaz-arce-dice-ser-enviado-de-dios --Veterano eslovaco no olvida http://newsnow.tasr.sk/featured/gajdos-well-never-forget-veterans-who-stood-up-against-fascism/ --Vertederos de cadaveres http://www.proceso.com.mx/508850/sinaloa-aqui-ya-lujo-te-maten-te-tiren-en-la-calle --Bio-guerra anti-rusa https://mundo.sputniknews.com/caricaturas/201711011073659584-biomaterial-rusia-eeuu/ --Esterilizacion roghinya http://www.elmundo.es/internacional/2017/10/27/59f32af7e2704edf668b461d.html --Orfanato indio http://www.express.co.uk/news/world/873050/Pastor-arrested-accused-of-trafficking-girls-through-Christian-run-orphanage --Schalke Frank https://www.enlacejudio.com/2017/10/30/alemania-ana-frank-schalke/ --Usurpacion tenistica http://www.aishlatino.com/iymj/mj/Tenista-israeli-detiene-juego-antes-de-Iom-Kipur.html?mobile=yes --Excluida por obstaculizar libre comercio https://actualidad.rt.com/actualidad/253839-acuerdo-mercosur-union-europea-pacto-colonial --Ley Seca en Nicaragua http://100noticias.com.ni/ley-seca-entra-en-vigor-a-partir-de-este-sabado/ --Pruces navideño http://www.lavanguardia.com/politica/20171103/432556533318/erc-luces-navidad-encarcelados-consellers-govern.html --Primer Guardia Civil Chino http://www.elmundo.es/cronica/2017/11/03/59f4a22222601d36318b4651.html --Factura Pruces http://www.bolsamania.com/noticias/economia/la-factura-de-la-crisis-catalana-supondra-hasta-700-euros-para-cada-espanol--2951022.html

India achieved the distinction of highest economic growth rate ahead of China in the year 2015. It is well on its way to continue its growth journey to be the major economic power in Digital Era as it moves from being the back office of the world to be the leader in knowledge-based Digital economy. A lot is happening in India with several initiatives like Make in India, Digital India and, Start up India etc. Mr Avtar Monga, Chief Operating Officer at IDFC bank in India, who has been part of this journey joins us to discuss this important subject.

Iniciado en el 2005 cuando se adopta como fecha oficial para horrar a los donantes voluntarios, para conmemorar también el nacimiento del Doctor Karl Landsteiner, médico austriaco ganador del Premio Nobel por el descubrimiento del sistema sanguíneo ABO.En México se donan diariamente 5 mil unidades de sangre, sin embargo como en muchos países latinoamericanos, aún se depende de la donación de familiares o de amigos para el abastecimiento y autosuficiencia del país, por lo que se trabaja para generar conciencia sobre la importancia que tiene este tipo de donación de sangre voluntaria, altruista y de repetición como la fuente más segura para los pacientes.Este año México ha sido honrado como país sede de la celebración para la región de las Américas por la Organización Panamericana de la Salud.El tema global del Día Mundial del Donante de Sangre para el año 2014 es "Sangre segura para una maternidad segura", y su objetivo es la sensibilización acerca de la importancia del acceso oportuno a sangre y de productos sanguíneos seguros en todos los países en el contexto de un enfoque integral de la prevención de la mortalidad materna.Donar sangre de forma voluntaria, altruista y de repetición es la fuente más segura para los pacientes; sin embargo, en México aún se depende de la donación por reposición. La donación voluntaria y no remunerada de sangre es fundamental para que exista un suministro suficiente de sangre segura.En nuestro país sólo el 3%, según cifras oficiales de donación de sangre se obtiene de forma altruista.La donación altruista de sangre es un proceso seguro que permite salvar vidas.En países europeos más del 90% de la donación de sangre es de forma altruista.Un paciente con hemofilia y leucemia requiere hasta 20 unidades de este líquido por día.La mayoría de sangre que se obtiene en nuestro país es por reposición.Donar sangre no cuesta, se puede hacer en cualquier institución de salud de forma segura y no hay riesgos de contraer ninguna enfermedad.Al donar, por ejemplo señala la página electrónica de la Presidencia de la República, 450 mililitros de sangre se pierden 450 calorías.En 24 horas el cuerpo repone la sangre extraída y a los dos meses el organismo está listo para volver a donar.Para donar sangre necesitas:Ser mayor de 18 y menor de 65 años.Pesar como mínimo 50 Kg.Tener buena salud y no estar tomando medicamentos.Contar con una identificación oficial vigente con fotografía.No haber ingerido bebidas alcohólicas en las últimas 48 horas.No haber tenido ningún tipo de cirugía en los últimos seis meses.No haberse realizado algún tatuaje, perforación o acupuntura en el último año.No haber sido vacunado contra hepatitis o rabia en el último año.Ayuno mínimo de 4 horas.Las transfusiones de sangre salvan vidas y mejoran la salud de millones de personas cada año - See more at: http://www.radioformula.com.mx/notas.asp?Idn=418848&idFC=2014#sthash.KSed9qMb.dpuf