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Hargovind Sachdev

@LALPUSHP

Twitter friendship is like a Bank Account: You can not draw more from it than you deposit... Let us increase Twitter friends...

 New Delhi, India
followback.me/lalpushp
Joined October 2009
  • Tweets384K
  • Following78K
  • Followers89.5K
16.1KMedia
Photo by Hargovind Sachdev (@LALPUSHP)Photo by Hargovind Sachdev (@LALPUSHP)Photo by Hargovind Sachdev (@LALPUSHP)Photo by Hargovind Sachdev (@LALPUSHP)Photo by Hargovind Sachdev (@LALPUSHP)Photo by Hargovind Sachdev (@LALPUSHP)Photo by Hargovind Sachdev (@LALPUSHP)Photo by Hargovind Sachdev (@LALPUSHP)Photo by Hargovind Sachdev (@LALPUSHP)Photo by Hargovind Sachdev (@LALPUSHP)
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Check out the latest article in my newsletter: When Dalal Street Bleeds, Where Should Our Money Sleep? linkedin.com/pulse/when-dala… via @LinkedIn
When Dalal Street Bleeds, Where Should Our Money Sleep?

When Dalal Street Bleeds, Where Should Our Money Sleep?

—Hargovind Sachdev When Dalal Street falls, investors wonder where to park their money. Foreign selling, rising bond yields, expensive crude oil and stretched valuations can unsettle markets.

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Check out the latest article in my newsletter: Carbon Lending: Why Banks Still Finance the Crisis They Understand linkedin.com/pulse/carbon-le… via @LinkedIn
Carbon Lending: Why Banks Still Finance the Crisis They Understand

Carbon Lending: Why Banks Still Finance the Crisis They Understand

The banking industry's contradiction is evident in the continuing flow of funds to fossil fuel companies. In 2025, the world's 65 largest banks financed fossil fuel firms with US$ 906 billion, up...

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MDR Will Elongate the Life of UPI

MDR Will Elongate the Life of UPI

Digital payments are not costless. Every UPI transaction relies on a complex network of banks, technology platforms, cybersecurity systems, fraud-monitoring tools, and settlement infrastructure.

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Check out the latest article in my newsletter: Why Are Most Foreign Banks Shedding Retail Loan Portfolios? linkedin.com/pulse/why-most-… via @LinkedIn
Why Are Most Foreign Banks Shedding Retail Loan Portfolios?

Why Are Most Foreign Banks Shedding Retail Loan Portfolios?

In recent years, several foreign banks, including Citibank, Standard Chartered, and Deutsche Bank, have exited or scaled back their retail operations in India. Meanwhile, Indian banks, both public...

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Check out the latest article in my newsletter: FCNR(B) Deposits Shall Not Bring Imported Inflation linkedin.com/pulse/fcnrb-dep… via @LinkedIn
FCNR(B) Deposits Shall Not Bring Imported Inflation

FCNR(B) Deposits Shall Not Bring Imported Inflation

Imported inflation in India is mainly driven by rupee depreciation and rising global commodity prices, particularly crude oil. It stems from excess import demand or from higher global prices passed...

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Should India Miss the AI Bus to Save Jobs?

Should India Miss the AI Bus to Save Jobs?

India's tech industry saw significant layoffs in 2025 due to automation, regulatory shifts, and cost pressures, signalling that the AI transition is reducing surplus staff and driving investment in...

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ESG Driving India’s EV Revolution

ESG Driving India’s EV Revolution

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Check out the latest article in my newsletter: Reduce Gold Imports to Make the Indian Economy Shine linkedin.com/pulse/reduce-go… via @LinkedIn
Reduce Gold Imports to Make the Indian Economy Shine

Reduce Gold Imports to Make the Indian Economy Shine

“Gold lacks intrinsic utility, fails to generate ongoing cash flow, and is a dangerous driver of human greed.” Crude oil and gold are India’s two largest imports.

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Check out the latest article in my newsletter: “Silver Economy”: How Much Senior Citizens Contribute to India’s GDP linkedin.com/pulse/silver-ec… via @LinkedIn
“Silver Economy”: How Much Senior Citizens Contribute to India’s GDP

“Silver Economy”: How Much Senior Citizens Contribute to India’s GDP

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Check out the latest article in my newsletter: How Can Indian Banks Contribute More to India’s Economic Prosperity? linkedin.com/pulse/how-can-i… via @LinkedIn
How Can Indian Banks Contribute More to India’s Economic Prosperity?

How Can Indian Banks Contribute More to India’s Economic Prosperity?

Indian banks have played a significant role in shaping India’s post-independence economy. However, structural policy decisions, rather than banking capability alone, explain why there hasn't been...

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Check out the latest article in my newsletter: Why Monetary Policy Alone Cannot Ignite India's Growth Engine linkedin.com/pulse/why-monet… via @LinkedIn
Why Monetary Policy Alone Cannot Ignite India's Growth Engine

Why Monetary Policy Alone Cannot Ignite India's Growth Engine

Monetary policy, managed by the Reserve Bank of India (RBI), plays a vital role in maintaining price stability and supporting economic growth in India; however, it should not be the sole instrument...

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Check out the latest article in my newsletter: Why Monetary Policy Alone Cannot Ignite India linkedin.com/pulse/why-monet…
Why Monetary Policy Alone Cannot Ignite India's Growth Engine

Why Monetary Policy Alone Cannot Ignite India's Growth Engine

Monetary policy, managed by the Reserve Bank of India (RBI), plays a vital role in maintaining price stability and supporting economic growth in India; however, it should not be the sole instrument...

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Check out the latest article in my newsletter: RBI's Balance Sheet: An Economic Shield for Every Indian linkedin.com/pulse/rbis-bala… via @LinkedIn
RBI's Balance Sheet: An Economic Shield for Every Indian

RBI's Balance Sheet: An Economic Shield for Every Indian

The Reserve Bank of India (RBI) plays a crucial role in monetary policy to maintain financial stability. It also supports government finances by transferring its surplus profits.

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Check out the latest article in my newsletter: The Rise of Robot Money in India linkedin.com/pulse/rise-robo… via @LinkedIn
The Rise of Robot Money in India

The Rise of Robot Money in India

The idea of "robot money" is not physical currency but a transformative shift in value creation. It refers to capital generated, managed, and deployed by autonomous systems—such as artificial...

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Thanks Be10X
Image from Hargovind Sachdev (@LALPUSHP)
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Check out the latest article in my newsletter: Will Loans Against Silver Ornaments Empower the Poor? linkedin.com/pulse/loans-aga… via @LinkedIn
Will Loans Against Silver Ornaments Empower the Poor?

Will Loans Against Silver Ornaments Empower the Poor?

In a significant step to improve access to formal credit, the Reserve Bank of India has issued guidelines permitting personal loans secured against silver ornaments, jewellery, and coins, effective...

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Check out the latest article in my newsletter: More Jobs Will Be Created Than Lost Due to AI linkedin.com/pulse/more-jobs… via @LinkedIn

More Jobs Will Be Created Than Lost Due to AI

AI is not a job killer; it functions as a boost for human ingenuity. The Industrial Revolution in the late 18th and 19th centuries displaced millions of manual artisans and agricultural workers.

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Check out the latest article in my newsletter: Cost-Effective AI Tools to Enhance Indian Agriculture linkedin.com/pulse/cost-effe… via @LinkedIn
Cost-Effective AI Tools to Enhance Indian Agriculture

Cost-Effective AI Tools to Enhance Indian Agriculture

Indian agriculture, which employs more than half of the country's population, faces challenges despite contributing 18% to the country's GDP. Smallholder farmers, who own less than 2 hectares,...

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Check out the latest article in my newsletter: Adopt the Circular Economy for Zero Waste linkedin.com/pulse/adopt-cir… via @LinkedIn
Adopt the Circular Economy for Zero Waste

Adopt the Circular Economy for Zero Waste

“If it can’t be reduced, reused, repaired, rebuilt, refurbished, refinished, resold, recycled, or composted, then the item should be restricted, designed for, or removed from production.” The Ellen...

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Check out the latest article in my newsletter: "Pollution Should Never Be the Price of Prosperity." linkedin.com/pulse/pollution… via @LinkedIn
"Pollution Should Never Be the Price of Prosperity."

"Pollution Should Never Be the Price of Prosperity."

A United Nations report ranks India 99th in the 2025 SDG Index with a score of 67/100, marking its first entry into the top 100 among 167 countries. This shows progress in poverty reduction, health...

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