Vinod Agrawal

फर्जीवाल 2015 से यमुना साफ करने का सिर्फ झूठ झांसा दे रहा है क्योंकि वह ठग है फ्रॉड है वही आप अहमदाबाद की साबरमती नदी का नजारा देखिए

See the daring of an Indian official on an international platform in Glasgow. Salute to Vijay Singh, IAS. What a choice of Indian Government to send such a person. So this video should go viral on social media.

High Interest Rates Fuel Bank Profits but Stifle India Inc’s Growth India Inc's Q2FY25 performance has been disappointing, with aggregate net profits declining by 0.6% year-on-year. More concerning is the stark contrast when excluding BFSI (Banking, Financial Services, Insurance and stockbroking) companies - the decline deepens to 11%, revealing significant stress in the broader corporate sector. The primary factor behind this underperformance is reduced government spending post-elections. Central government capital expenditure during April-August stands at ₹3 lakh crore, merely 27% of the FY25 budget estimate of ₹11.11 lakh crore. This pace lags significantly behind last year's 37% utilization during the same period. This slowdown in government spending has weighed on sectors such as infrastructure and construction, besides impacting overall consumer demand, thereby affecting India Inc’s overall growth trajectory. ## Banking Sector's Divergent Performance The banking sector's outperformance amid this broader weakness warrants attention. The primary factor has been the prolonged high-interest-rate environment in India, with the Reserve Bank of India (RBI) maintaining its benchmark interest rate at 6.5% since February 2023. High-interest rates tend to favor banks and financial institutions by helping them realize higher Net Interest Margins (NIMs). Banks can earn significantly more on loans as lending rates remain high, while deposit rates, particularly Current Account Savings Account (CASA) deposits, do not increase proportionally. This disparity allows banks to generate higher profits. ## Credit Growth Dynamics However, this high-rate regime is proving challenging for the broader economy. Bank credit growth has moderated from 20% earlier this year to 11% in October, following RBI's measures to align credit growth with deposit growth. While this has achieved its intended effect of protecting banking sector stability, it has created a challenging environment for businesses. Companies have to contend with reduced access to financing and higher borrowing costs, impacting their ability to fund both capital expenditure and working capital needs. This squeeze on credit availability also dampens consumer spending due to reduced retail lending, creating a broader economic slowdown. Interestingly, while banks are also seeing a slowdown in revenue growth, which is at a nine-quarter low, their profitability remains strong because lending activity continues to happen at elevated interest rates, thereby maximizing their earnings. This creates an unusual scenario where banking sector health comes at the cost of broader economic growth. The situation presents a compelling case for reconsidering the current monetary policy stance. Just as we've previously argued* that inflation of non-core items (food, fuel, jewelry) shouldn't drive interest rate decisions, this analysis offers another perspective supporting the same conclusion. The divergence between banking sector performance and broader corporate health suggests that maintaining high rates to control inflation might be creating unintended economic pressures. #IndiaInc #CorporateEarnings #Q2FY25results #Banks #MonetaryPolicy #RBI #BFSI #EconomicGrowth #InterestRates #CapitalExpenditure #Credit #ConsumerDemand #EconomicAnalysis #GDP #Q2FY2025 #Ratecut *Also see x.com/swaminathankp/…

One's brother is PM, the other's brother is CM. During the pilgrimage, PM Modiji's sister Basanti Ben met CM Yogi ji's sister Shashi Devi at her tea shop.

It’s Official! Announcing the logo for “CII Mumbai International Week 2024” ~ where "Business and Beyond" comes to life. Join us in Mumbai from 11th - 15th November 2024 for a transformative week of global collaboration, innovation, and industry-shaping discussions. Seize the opportunity to explore new avenues for growth, forge key partnerships, and drive the future of trade and sustainability. @PiyushGoyalOffc @nsitharaman @makeinindia @nitin_gadkari @SwatiSalgaocar @agr_vin @FollowCII @CIIEvents @AnupamRasayan #CIIWR #CIIMIW #leadership #business #EconomicGrowth #GlobalTrade #Innovation #Sustainability #FutureofBusiness #BusinessTransformation

Bhaijaan Gutter Hai Ye😂😂

Beautiful Everyone’s REAL Commander-in-Chief—Our mothers. x.com/smitaprakash/s…

You won't believe what they're doing in China. This is the Chinese port in Guangzhou. People unload ships remotely with 5G, AND THEN, AI vehicles automatically drive the containers to trucks and load them, without human assistance. #WaytoModernization

“Countries who send diplomats to meet opposition leaders, comment on internal politics or issue rankings should think what if someone else does the same to them” Jaishankar 🔥

Rahul Gandhi gets schooled in London by a retired journalist who knew Indira Gandhi 🔥🔥🔥 Wait for the end & watch RaGa’s expression… he didn’t see this coming & didn’t realise how hard it hit him … brutal Isko viral banao mitron

Before Nirmala: Supplier se maal le lo Supplier bill dega Usko bank se payment kar do Baat khatam After Nirmala: Supplier ka MSME status dekho Supplier par TCS/TDS ki applicability dekho Supplier ne pichle ITR file kiye hain ya nahi dekho Supplier ka E invoice applicability status dekho Fir usse maal aur bill lo Supplier ne apna GST return time se bhara hain ye bhi dekho Supplier ne time se GST payment kar diya hain ye bhi dekho Fir usko payment MSME ki time limit me kiya hain ya nahi dekho True ease of doing business achieved under Nirmala Tai

Madhya Pradesh HC Judge: "Why not claim Taj Mahal to be a Waqf Property? Tomorrow you will say the entire India is a Waqf Property, then?🔥 ~ It won't work like this that you'll issue notifications & property will be yours." Even the Judiciary is blunt on this arbitrary act👌

🚨 UAE Imposed Upto ₹34 Lakh Penalty for Cold Callers and Telemarketing Spam Calls • No Calls Between 9 AM - 6 PM • Calls Only From Business Numbers • Provision for License Cancellation But TRAI and Telecom Ministry is Sleeping in India, No Concrete Action on Spammers

If pharma companies cured you, Pfizer and Moderna would go bankrupt. If banks helped you get out of debt, JPMorgan Chase and HDFC would collapse. If politicians solved all your problems, nobody would elect them again. The system thrives on perpetuating problems rather than solving them.

“As the Convenor of the CII Gujarat Policy Advocacy, Ease of Doing Business and Economic Affairs Panel, I extend a heartfelt congratulations to Hon’ble Prime Minister Shri Narendra Modiji on being elected as the Prime Minister of India for the third consecutive term. Sir, your remarkable leadership and vision have changed the landscape of Gujarat and fuelled our nation's growth and development. We eagerly anticipate further positive policy changes and innovative initiatives that will continue to propel India towards a brighter and more prosperous future.” Vinod Agrawal, Convenor, CII, Gujarat Policy Advocacy, Ease of Doing Business and Economic Affairs Panel @PMOIndia @narendramodi @rashtrapatibhvn @FollowCII #CII4WR #CIIGujarat @agr_vin

@IOBIndia In last 12 years of our banking relationship with IOB we have never been communicated for such meeting, neither attended the same.

@agr_vin Dear Customer, Each branch holds customer meetings in the middle of every month. Thank you!

We are thrilled to announce that analysts meet at Mumbai related to Bank Performance of FY 23-24, saw 76 esteemed analysts from top institutions, highlighting the growing interest in Indian Overseas Bank's performance and future prospects. 📈✨ Presentations by our CFO, GM-DBD, and Q&A with MD&CEO Ajay Kumar Srivastava, ED Joydeep Dutta Roy, and ED Dhanaraj T showcased our strategic direction and growth potential. 🚀🌟 #IOB #Finance #Banking #iob #IndianOverseasBank #DFS #RBI

Virender Sehwag's savage reply to Australians: "Why would Indian Players go to play in leagues like #BigBash we're rich, we don't play in Poor countries for $100,000" 😀😂

डॉ. शाह @ankitatIIMA 💥सनातन अर्थशास्त्र मॉडल को समझाने के लिए मेरी मेजबानी करने के लिए धन्यवाद सीआईआई @agr_vin और यी, आईहब ડૉ. શાહ @ankitatIIMA 💥ધન્યવાદ CII @agr_vin & Yi, સનાતન ઇકોનોમિક્સ મોડલ સમજાવવા માટે મને હોસ્ટ કરવા બદલ ihub

Himachali and Uttaranchali music is finally becoming mainstream and sooner or later, Punjabi music will have serious competition….. Gulabi Sharara, Rajula Malushahi followed by this new sensation …..