Your credit is easier to steal than your money.
With just a phone number and an OTP, fraudsters can trick lenders into approving loans in your name — without your knowledge. Weak consent systems, no instant alerts, and rushed digital lending have made identity theft alarmingly easy. It’s time India strengthens its safeguards with verified consent, real-time alerts, and stricter ID checks to truly protect borrowers.
Rajesh and Seema’s ordeal with a stalled housing project shows how India’s home loan system masks the biggest risk in real estate — that under-construction projects may never be completed. Banks and buyers treat them like ready homes, offering or taking loans at the same rates despite far higher uncertainty. With weak enforcement of RERA safeguards, homebuyers are left exposed. Differential interest rates — lower for completed homes, higher for under-construction ones — would make risks visible, protect buyers, and push the housing finance system toward fairness.
Loan rates should mirror unfinished homes higher risk Read More »
Have you ever sold a car and signed a blank transfer form — did you know it could stay in your name for months and even end up as a terror tool, just like in the Parliament attack of 2001?
RCs often remain in the seller’s name while vehicles pass through multiple hands. If that car is in an accident, you may still be liable. Worse, it can be misused in crime — even terrorism — while the records still show you as the owner.
Other countries have solved this problem with simple processes. India’s draft rules of 2022 offered a clear solution: dealer authorisation, digital delivery intimation, and deemed ownership during possession. Yet three years later, these reforms remain unnotified.
Notify draft rules making dealer liable for sold vehicle Read More »
Abhilash dislikes selling mutual fund units monthly to pay his RIA.
MFD commissions are deducted automatically, but RIA fees need direct payment.
He suggests letting funds sell units and pay RIAs directly.
This keeps costs transparent, taxable, and investor-controlled.
Removing such friction can make quality advice widely accessible.
Vigilance Awareness Week 2025 is being observed from October 27th to November 2nd, 2025, with the theme:
All stakeholders are encouraged to participate in the e-pledge initiative by visiting the CVC portal: https://pledge.cvc.nic.in/.
