Skip to main content

India ranks second in retail potential

India jumped 13 positions and was placed second in retail potential in the 2016 Global Retail Development Index ( GRDI), released by AT Kearney, a Chicago- based consultancy.
The country was ranked 15 in the previous year. The report profiled 30 developing countries.
However, a Geofin Comtrade spokesperson said, “ GCL is not aware of the proposed forensic audit. It has not received such intimation. Since GCL did not have any code modifications whatsoever in its back- office, besides all records standing reconciled with exchange trade files and neither having acted as a C& F agent, it is not possible for GCL to thereby comment on unsubstantiated news. GCL had filed a summary suit at the Bombay High Court against NSEL in July 2015, for its claim of margin and membership deposits. In that suit too, GCL relied upon the exchange acknowledged obligations.” Business Standard has reviewed a copy of Sebi’s letter to auditors. It has asked them to audit brokerages with respect to a slew of complaints received against them. These include false assurance to investors, misleading statements and mis- selling.
When contacted, NSEL said, “ We are happy that Sebi has finally initiated an audit against brokers, which was not done by former Forward Markets Commission chairman Ramesh Abhishek, despite having wide powers. In fact, the Economic Offences Wing could unearth major crimes by brokers.” Auditors said other aspects of the audit involved fund flow analysis of defaulting clients and the alleged nexus among NSEL, Financial Technologies ( FTIL) and its director. Sebi also sought an examination of alleged circular trading and suspicious transactions, client code modification for those trading exclusively on NSEL, and funding of clients through non- bank finance companies or other related entities.
Sebi is also considering an interim report prepared by the Economic Offences Wing last year that states some brokers were aware of the impending danger at NSEL.
The report mentions evidence of illegal and unauthorised changes at NSEL servers.
The names of clients on NSEL servers were found to be different from those in brokers’ records.
The NSEL brokers have been charged by investors with giving away their clients’ money without securing the title of the goods, “ warehouse receipts”, resulting in criminal breach of trust. On March 3, 2015, the Economic Offences Wing had arrested three brokers and charged them with mis- selling NSEL products, cheating, forgery and criminal conspiracy. All three are out on bail.
“India’s high ranking is driven by GDP ( gross domestic product) growth, improved ease of doing business, and better clarity regarding FDI (foreign direct investment) regulations. India is now the world’s fastestgrowing major economy, overtaking China, and retail demand is being fueled by urbanisation, an expanding middle class, and more women entering the workforce,” said Mike Moriarty, AT Kearney partner and co- author of the study. India’s retail sector has expanded at a compound annual growth rate of 8.8 per cent between 2013 and 2015, according to the report.
Analysts, however, did not agree that FDI was a key driver of retail growth in the country. They even questioned if India had made it easy to do business. They argued that while investment was allowed by the government into multi- brand retail stores, the riders put in place made it almost impossible for money to truly flow into the country.
“Most of the growth we see is driven by domestic funding. Look around, there is Aditya Birla Group or Reliance or Future, which are the biggest players in the market,” said Arvind Singhal, chairman and managing director of Technopak.
He said FDI was allowed in single brand retail stores and despite the likes of Zara and H& M, along with some other luxury brands, opening shop in India, their contributions are minimum.
“India’s growth story still comes from independent and unorganised retail markets,” he said. Singhal argued that India’s retail market was $ 550 billion, in which $ 380 billion came from food and groceries and $ 45 billion from fashion.
“Of the $ 380 billion in grocery, very little is from organised stores. Most fresh produce is still sold in the markets,” he said.
This is, however, set to change.
Business Standard New Delhi, 07th June 2016

Comments

Popular posts from this blog

RBI deputy governor cautions fintech platform lenders on privacy concerns during loan recovery

  India's digital lending infrastructure has made the loan sanctioning system online. Yet, loan recovery still needs a “feet on the street” approach, Swaminathan J, deputy governor of the Reserve Bank of India, said at a media event on Tuesday, September 2, according to news agency ANI.According to the ANI report, the deputy governor flagged that fintech operators in the digital lending segment are giving out loans to customers with poor credit profiles and later using aggressive recovery tactics.“While loan sanctioning and disbursement have become increasingly digital, effective collection and recovery still require a 'feet on the street' and empathetic approach. Many fintech platforms operate on a business model that involves extending small-value loans to customers often with poor credit profiles,” Swaminathan J said.   Fintech platforms' business models The central bank deputy governor highlighted that many fintech platforms' business models involve providing sm

Credit card spending growth declines on RBI gaze, stress build-up

  Credit card spends have further slowed down to 16.6 per cent in the current financial year (FY25), following the Reserve Bank of India’s tightening of unsecured lending norms and rising delinquencies, and increased stress in the portfolio.Typically, during the festival season (September–December), credit card spends peak as several credit card-issuing banks offer discounts and cashbacks on e-commerce and other platforms. This is a reversal of trend in the past three financial years stretching to FY21 due to RBI’s restrictions.In the previous financial year (FY24), credit card spends rose by 27.8 per cent, but were low compared to FY23 which surged by 47.5 per cent. In FY22, the spending increased 54.1 per cent, according to data compiled by Macquarie Research.ICICI Bank recorded 4.4 per cent gross credit losses in its FY24 credit card portfolio as against 3.2 per cent year-on-year. SBI Cards’ credit losses in the segment stood at 7.4 per cent in FY24 and 6.2 per cent in FY23, the rep

India can't rely on wealthy to drive growth: Ex-RBI Dy Guv Viral Acharya

  India can’t rely on wealthy individuals to drive growth and expect the overall economy to improve, Viral Acharya, former deputy governor of the Reserve Bank of India (RBI) said on Monday.Acharya, who is the C V Starr Professor of Economics in the Department of Finance at New York University’s Stern School of Business (NYU-Stern), said after the Covid-19 pandemic, rural consumption and investments have weakened.We can’t be pumping our growth through the rich and expect that the economy as a whole will do better,” he said while speaking at an event organised by Elara Capital here.f there has to be a trickle-down, it should have actually happened by now,” Acharya said, adding that when the rich keep getting wealthier and wealthier, they have a savings problem.   “The bank account keeps getting bigger, hence they look for financial assets to invest in. India is closed, so our money can't go outside India that easily. So, it has to chase the limited financial assets in the country and