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NIRMITI -The Art of Reinvesting

Over the past years we have studied various businesses. What we found out is that we can broadly categorize them into two buckets based on how they achieve Growth. The first category are businesses which do not need much capital to grow. They have in-built levers to grow upto a
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SBI Cards- Young India’s Ultimate Consumer Credit Play

Imagine that you want to start your own NBFC & operate in the highly competitive Consumer Loan segment. You would be competing with India’s largest consumer credit players like Bajaj Finance & HDFC Bank. In order to succeed you should be able to address the 3 points mentioned below- 1.