Nisha Yadav

📊 FP&A | Corporate Finance | Business Strategy

Turning numbers into insights & insights into value.
Learn. Think. Grow.

[Nisha Yadav @valuecraft_]

𝐆𝐃𝐏 𝐢𝐬 𝐠𝐫𝐨𝐰𝐢𝐧𝐠. 𝐁𝐮𝐭 𝐚𝐫𝐞 𝐨𝐮𝐫 𝐰𝐚𝐥𝐥𝐞𝐭𝐬 𝐟𝐞𝐞𝐥𝐢𝐧𝐠 𝐫𝐢𝐜𝐡𝐞𝐫?

India can record strong GDP growth while households still feel pressure from rising prices of food, housing, healthcare, education and other essentials.

That’s the interesting part of the economy:
GDP tells us how much the economy is growing, inflation tells us how much our money can buy.

So the real question isn’t just “Is India growing?”
It’s “𝐈𝐬 𝐭𝐡𝐚𝐭 𝐠𝐫𝐨𝐰𝐭𝐡 𝐭𝐫𝐚𝐧𝐬𝐥𝐚𝐭𝐢𝐧𝐠 𝐢𝐧𝐭𝐨 𝐛𝐞𝐭𝐭𝐞𝐫 𝐩𝐮𝐫𝐜𝐡𝐚𝐬𝐢𝐧𝐠 𝐩𝐨𝐰𝐞𝐫 𝐚𝐧𝐝 𝐥𝐢𝐯𝐢𝐧𝐠 𝐬𝐭𝐚𝐧𝐝𝐚𝐫𝐝𝐬 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐚𝐯𝐞𝐫𝐚𝐠𝐞 𝐡𝐨𝐮𝐬𝐞𝐡𝐨𝐥𝐝?”

[Nisha Yadav @valuecraft_]

$127B in. But it’s not free money. 👀

[Nisha Yadav @valuecraft_]

🇮🇳 India’s banks just received a huge liquidity boost - but there’s a catch.

Banks attracted around $127 billion through FCNR(B) deposits.

Sounds great:
• More liquidity
• More funding
• Potential support for credit & growth

But this isn’t free money.

It’s a future foreign-currency liability.

Banks will have to repay these dollars + interest when deposits mature.

The RBI’s swap facility reduces much of the principal FX risk, but hedging costs and currency movements still matter.

So the real story isn’t just:

“More money = lower rates = stronger economy.”

It’s:

“More liquidity today… but what does the balance sheet look like when the deferred liability comes due?”

That’s where the real risk lies.

[Nisha Yadav @valuecraft_]

Protect your peace. Not every explanation is necessary.

[Nisha Yadav @valuecraft_]

𝐔𝐏𝐈 𝐜𝐡𝐚𝐫𝐠𝐞𝐬 𝐚𝐫𝐞 𝐛𝐚𝐜𝐤? 𝐍𝐨𝐭 𝐞𝐱𝐚𝐜𝐭𝐥𝐲. 𝐇𝐞𝐫𝐞’𝐬 𝐰𝐡𝐚𝐭 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐜𝐡𝐚𝐧𝐠𝐞𝐝.

• 𝐏𝐞𝐫𝐬𝐨𝐧-𝐭𝐨-𝐏𝐞𝐫𝐬𝐨𝐧 (𝐏𝟐𝐏): ₹0 MDR - remains free.
• 𝐌𝐞𝐫𝐜𝐡𝐚𝐧𝐭 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬 ≤ ₹𝟐,𝟎𝟎𝟎: No MDR.
• 𝐐𝐮𝐚𝐥𝐢𝐟𝐲𝐢𝐧𝐠 𝐬𝐦𝐚𝐥𝐥 𝐦𝐞𝐫𝐜𝐡𝐚𝐧𝐭𝐬: Continue to get zero-MDR protection.
• 𝐌𝐞𝐫𝐜𝐡𝐚𝐧𝐭 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬 > ₹𝟐,𝟎𝟎𝟎: MDR of 𝟎.𝟒%.
• 𝐄𝐬𝐬𝐞𝐧𝐭𝐢𝐚𝐥 𝐬𝐞𝐜𝐭𝐨𝐫𝐬 like fuel, telecom, insurance, railways & agricultural inputs: ₹𝟓 𝐟𝐥𝐚𝐭 𝐌𝐃𝐑 for qualifying transactions above ₹2,000.
• 𝐂𝐚𝐩𝐢𝐭𝐚𝐥-𝐦𝐚𝐫𝐤𝐞𝐭 𝐭𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧𝐬: 𝟎.𝟎𝟐% 𝐌𝐃𝐑, capped at ₹300.
• 𝐅𝐨𝐫 𝐜𝐮𝐬𝐭𝐨𝐦𝐞𝐫𝐬: MDR isn’t charged separately to the customer; it operates within the merchant/payment ecosystem.
• The government says around 𝟗𝟔% 𝐨𝐟 𝐦𝐞𝐫𝐜𝐡𝐚𝐧𝐭 𝐔𝐏𝐈 𝐭𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧𝐬 𝐫𝐞𝐦𝐚𝐢𝐧 𝐮𝐧𝐚𝐟𝐟𝐞𝐜𝐭𝐞𝐝.

[Nisha Yadav @valuecraft_]

America raises rates. Your EMI, investments & ₹ can feel it.

Fed rates ↑ → Dollar ↑ → Rupee pressure → Global money gets costlier.

One decision. Global impact.

[Nisha Yadav @valuecraft_]

A small talk can fix a lot.

One honest conversation can clear a misunderstanding.
“Are you okay?” can make someone feel seen.
“I’m here” can stop someone from feeling alone.

Sometimes, we don’t need solutions.
We just need someone willing to talk.

So, before you walk away…
Try talking. ❤️

[Nisha Yadav @valuecraft_]

Sometimes, your value rises when you stop trying to prove it.

[Nisha Yadav @valuecraft_]

Stop waiting for permission.

[Nisha Yadav @valuecraft_]

₹20K extra. EMI or Invest? 👀

[Nisha Yadav @valuecraft_]

𝐒𝐡𝐞 𝐝𝐢𝐝𝐧’𝐭 𝐡𝐚𝐯𝐞 ₹𝟓𝟎𝟎 𝐜𝐫𝐨𝐫𝐞.
𝐒𝐡𝐞 𝐡𝐚𝐝 ₹𝟐 𝐜𝐫𝐨𝐫𝐞… 𝐚𝐧𝐝 𝐁𝐄𝐋𝐈𝐄𝐅.

𝟐𝟏-𝐲𝐞𝐚𝐫-𝐨𝐥𝐝 𝐀𝐧𝐮𝐩𝐫𝐢𝐲𝐚 𝐍𝐚𝐠𝐚𝐫 put her life savings from years of working in the UK into Hanuman Ansh - a film made on a budget of around ₹𝟐 𝐜𝐫𝐨𝐫𝐞.

Today, the film has crossed ₹𝟏𝟗𝟎 𝐜𝐫𝐨𝐫𝐞.

But the real story isn’t the ₹190 crore.

It’s the courage to believe in something before the world believed in it.

Sometimes, your dream will look too risky.
Sometimes, the results will take time.
Sometimes, people will question you.

𝐊𝐞𝐞𝐩 𝐠𝐨𝐢𝐧𝐠.

Because when your intention is pure, your faith is strong and you keep doing the work - 𝐆𝐨𝐝 𝐡𝐚𝐬 𝐚 𝐰𝐚𝐲 𝐨𝐟 𝐨𝐩𝐞𝐧𝐢𝐧𝐠 𝐝𝐨𝐨𝐫𝐬 𝐲𝐨𝐮 𝐜𝐨𝐮𝐥𝐝𝐧’𝐭 𝐞𝐯𝐞𝐧 𝐬𝐞𝐞.

Believe. Work. Be patient.

𝐖𝐡𝐚𝐭 𝐢𝐬 𝐦𝐞𝐚𝐧𝐭 𝐟𝐨𝐫 𝐲𝐨𝐮 𝐦𝐚𝐲 𝐭𝐚𝐤𝐞 𝐭𝐢𝐦𝐞… 𝐛𝐮𝐭 𝐢𝐭 𝐜𝐚𝐧 𝐚𝐫𝐫𝐢𝐯𝐞 𝐛𝐢𝐠𝐠𝐞𝐫 𝐭𝐡𝐚𝐧 𝐲𝐨𝐮 𝐢𝐦𝐚𝐠𝐢𝐧𝐞𝐝.

[Nisha Yadav @valuecraft_]

𝐑𝐁𝐈 𝐢𝐬 𝐚𝐛𝐨𝐮𝐭 𝐭𝐨 𝐩𝐮𝐥𝐥 ₹𝟏 𝐋𝐀𝐊𝐇 𝐂𝐑𝐎𝐑𝐄 𝐨𝐮𝐭 𝐨𝐟 𝐭𝐡𝐞 𝐛𝐚𝐧𝐤𝐢𝐧𝐠 𝐬𝐲𝐬𝐭𝐞𝐦.

Sounds scary. But it’s actually about 𝐭𝐨𝐨 𝐦𝐮𝐜𝐡 𝐦𝐨𝐧𝐞𝐲 𝐟𝐥𝐨𝐚𝐭𝐢𝐧𝐠 𝐚𝐫𝐨𝐮𝐧𝐝.

Banks are sitting on excess cash, partly due to strong foreign inflows.

So RBI is selling government bonds to 𝐚𝐛𝐬𝐨𝐫𝐛 𝐭𝐡𝐚𝐭 𝐞𝐱𝐭𝐫𝐚 𝐥𝐢𝐪𝐮𝐢𝐝𝐢𝐭𝐲.

Think of it like this:
Too much water in a tank →
RBI opens the drain →
Liquidity comes back under control.

₹𝟏 𝐥𝐚𝐤𝐡 𝐜𝐫𝐨𝐫𝐞 𝐨𝐮𝐭. 𝐖𝐡𝐲? 𝐓𝐨 𝐤𝐞𝐞𝐩 𝐦𝐨𝐧𝐞𝐲 𝐦𝐚𝐫𝐤𝐞𝐭𝐬 𝐛𝐚𝐥𝐚𝐧𝐜𝐞𝐝.

[Nisha Yadav @valuecraft_]

When your brain refuses to clock out.

[Nisha Yadav @valuecraft_]

India is testing “𝐃𝐞𝐦𝐚𝐭 𝟐.𝟎”

RBI + SEBI are exploring 𝐭𝐨𝐤𝐞𝐧𝐢𝐬𝐞𝐝 𝐜𝐨𝐫𝐩𝐨𝐫𝐚𝐭𝐞 𝐛𝐨𝐧𝐝𝐬.

Think of it as:
Traditional bond → Digital token → Faster & smarter settlement

Why it matters?
- Faster transactions
- Better transparency
- More automation

India’s bond market is entering its digital era.

[Nisha Yadav @valuecraft_]

Peace > Luxury
Sometimes, that’s the real upgrade.

[Nisha Yadav @valuecraft_]

₹𝟗𝟓 𝐩𝐞𝐫 𝐝𝐨𝐥𝐥𝐚𝐫. $𝟏𝟎𝟎+ 𝐜𝐫𝐮𝐝𝐞.

Two numbers that could quietly make things more expensive for every Indian.

The rupee is weakening as oil prices surge and the impact can reach your 𝐟𝐮𝐞𝐥, 𝐠𝐫𝐨𝐜𝐞𝐫𝐢𝐞𝐬, 𝐄𝐌𝐈𝐬 𝐚𝐧𝐝 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭𝐬.

[Nisha Yadav @valuecraft_]

Sometimes, stepping away is how you save yourself.

[Nisha Yadav @valuecraft_]

₹𝟗𝟓 𝐟𝐨𝐫 $𝟏 - Why should Indians care?

A weaker rupee can make imports more expensive, increase inflation pressure and impact companies dependent on foreign goods and services.

The exchange rate isn’t just a number - it can eventually affect your wallet.

[Nisha Yadav @valuecraft_]

Most of our fears never become reality.

[Nisha Yadav @valuecraft_]

𝐈𝐧𝐝𝐢𝐚’𝐬 𝐛𝐢𝐠𝐠𝐞𝐬𝐭 𝐬𝐭𝐨𝐜𝐤 𝐦𝐚𝐫𝐤𝐞𝐭 𝐬𝐭𝐨𝐫𝐲 isn't a stock. It’s the stock exchange itself.

The 𝐍𝐒𝐄 is edging closer to its long-awaited 𝐈𝐏𝐎 - a deal that could raise ₹𝟑𝟎,𝟎𝟎𝟎 𝐜𝐫𝐨𝐫𝐞 and rank as India’s biggest-ever public offering.

The engine behind Indian retail investing might finally become an investment option itself.

The marketplace where India invests may soon become an asset you can actually own in your portfolio.

Would you invest in NSE if its IPO opens?