Embedded finance India: how UPI and ONDC could trigger the next banking disruption
UPI turned payments into infrastructure. ONDC wants to do something similar for commerce. The real disruption now is embedded finance: credit, insurance and working-capital products slipping into the apps, platforms and software Indians already use.
Public Capex India: Why Roads and Railways Still Look Like the Best Stimulus
Public capex India works best when it builds roads, rail corridors and logistics capacity that cut freight time, lower embedded costs and crowd in private investment.
Housing affordability: bubble, shortage, or the wrong homes in the wrong places?
India housing affordability now looks less like a simple bubble and more like a structural mismatch: rising prices, stretched household budgets, thin rental logic and the wrong supply in the wrong places.
Female workforce India: the biggest growth lever the economy still leaves idle
India has raised female labour force participation, but the economy still underuses women where productivity gains would be largest - in formal urban work. Childcare, safety, housing and flexible work now matter as much as headline employment policy.
Skill gap in India: why the education-to-employment pipeline still leaks
India has expanded schooling and higher education, but the bridge to productive work remains weak. Thin vocational pathways, patchy apprenticeships and poor industry matching still turn qualifications into delayed earnings.