Reimagining Financial Services
For the Collective Good

This article published in the Financial Express on 3rd December 2025 argues that the Post Office Savings Bank (POSB) and the Employees’ Provident Fund Organisation (EPFO) remain critical to India’s financial-safety net, delivering low-risk, stable savings and retirement funds to citizens — POSB via voluntary small savings and EPFO via mandatory retirement savings. 

SEBI’s regulatory approach to reduce expense ratios of Mutual Fundsi has been a concerted one that spans across a two-decade long timeline.  

Economists have long assumed that families act as a single unit and that everyone shares the same goals and makes decisions together for the good of the household. This view, known as the unitary household model (Becker, 1981), treats the family as if it speaks with one voice. But in reality, not everyone inside a […]