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Banking

Programmable currency: Ensuring donors money is used right

October 20, 2025 No Comments

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

Advice

Loan rates should mirror unfinished homes higher risk

October 6, 2025 No Comments

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

Advice

Notify draft rules making dealer liable for sold vehicle

September 22, 2025 No Comments

Have you ever sold a car and signed a blank transfer form — did you know it could stay in your name for months and even end up as a terror tool, just like in the Parliament attack of 2001? RCs often remain in the seller’s name while vehicles pass through multiple hands. If that car is in an accident, you may still be liable. Worse, it can be misused in crime — even terrorism — while the records still show you as the owner. Other countries have solved this problem with simple processes. India’s draft rules of 2022 offered ...

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