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32 Articles

Fintech’s Master Blaster

It is difficult to describe someone like Robin Raina. The multifaceted boss of US insurance solutions company Ebix Inc.—and its Indian subsidiary, the fast-growing fintech company Ebix-Cash—is as colourful a personality as the sprawling office he sits in. But beneath all the glamour and the hype around him is a razor-sharp business brain and a steely determination to grow his company to create an ‘airport’ of financial transactions spread across payments, remittances, travel and foreign exchange. Hungry for growth, Raina’s game plan is to create a one-stop financial superstore—an MNC out of India—and he is pursuing that ambition with relentless ferocity, picking up companies along the way. As Anand Adhikari’s cover story on Raina and his Ebix group will tell you, he is on the road to achieving that, and…

Fintech’s Master Blaster

Source: Reserve Bank of India; Worldline DIGITAL NATION INDIA IS POISED TO BE ONE OF THE LARGEST AND FASTEST-GROWING DIGITAL PAYMENTS MARKETS IN THE WORLD 5.15 MILLION Number of POS terminals in India, as of October 31, 2021. In January, the number was 4.65 million 0.93 BILLION Number of debit cards of the total 1 billion cards in circulation as of October 31 10 PER CENT The quarter-on-quarter growth in mobile wallet transactions to 1.21 billion in Jul-Sep 4.22 BILLION The volume of UPI transactions in October, an all-time high…

THE NEEDLE SHIFTS

Worried about economic recovery? Here’s an indication. Advance tax collections in Q3 are up 50 per cent YoY compared to 51.2 per cent in Q2. And direct tax collections, net of refunds, were up 61 per cent till December 16, touching ₹9.45 lakh crore; that’s 40 per cent higher than the same period in 2019-20, and 85.2 per cent of this fiscal’s budget target of ₹11.08 lakh crore. Among direct tax components, corporation tax collection is up 70 per cent, and personal income tax, 52 per cent. “The better-than-expected tax collections are a result of improved economic outlook, better enforcement and easier compliance,” said a government official. The best part: the collections give the government the resources to fuel economic recovery amid Omicron fears.…

THE NEEDLE SHIFTS

INFLATION IS rising in the UK, India, the US and Brazil. And the new Covid-19 variant could further exacerbate it by disrupting global supply chains. Result: In the one month to December 20, the Dow Jones Industrial Average Index on Wall Street declined over 0.50 per cent, Nikkei 225 and BSE Sensex fell 6 per cent, and the UK’s FTSE, around 1 per cent. In India, heavy selling by FIIs has added to the anxiety. Market veteran Vijay Kedia believes indices may continue to consolidate in a range. Tighten your belts.…

In 2019, Seattle-based Amazon picked up a 49 per cent stake in the Kishore Biyani-promoted Future Coupons for ₹1,500 crore. The money was handy for Biyani in the midst of liquidity woes, while it gave Amazon an indirect holding of 3.58 per cent in Future Retail, the entity that runs Big Bazaar, Easyday, fbb, etc. The Competition Commission of India has now suspended its own approval of the 2019 deal, charging Amazon of “making false and incorrect statements” and “suppressing the actual purpose of the deal”. That, and a ₹200-crore fine, make for an arduous climb up the reputation ladder for Amazon.…

AMBANI’S STUMP VISION

BIG BUCKS will be at play again to acquire the television and digital rights for cricket’s Indian Premier League (IPL). Picked up by then Star India for a five-year period ending 2022 for ₹16,348 crore, this time the bidding could end up fetching as much as ₹30,000 crore, going by street buzz. And guess who’s leading the stakes this time? Mukesh Ambani’s Jio. Ambani owns a broadcasting network—Viacom18, which recently picked up the La Liga rights—an OTT brand and a huge telecom play. In terms of both viewership and revenue, the IPL has grown by leaps and bounds since its first edition in 2008. In the process, valuation numbers have only zoomed. And, of course, Ambani owns the Mumbai Indians team. So what? Well, the broadcasting landscape has changed, you see. Star…

AMBANI’S STUMP VISION

The digital age is coming. In the stockmarkets, too. Market veteran Raamdeo Agrawal states that five-six of the top 10 wealth creators in the next 10 years would be digital firms. Here’s why: “replicability, friction-free delivery and near-zero marginal cost” make them highly scalable. The previous 10 years, expectedly, were dominated by traditional majors—Reliance Industries, TCS, HDFC Bank, Hindustan Unilever, Infosys, Bajaj Finance, ICICI Bank, HDFC, Kotak Mahindra Bank and HCL Technologies. Meanwhile, as per the recently unveiled 26th Annual Wealth Creation Study, ₹71 lakh crore of wealth was created from 2016 to 2021. Get this—`10 lakh invested equally in 2016 among the top 10 wealth creators would have grown to ₹1.7 crore in 2021. Striking.…

IN REVERSE GEAR

Till last year, India’s top two carmakers—Maruti Suzuki and Hyundai—commanded a cumulative market share of 65.4 per cent. Today, this number is 57.4 per cent. Maruti alone lost 7.3 per cent share in November 2021 after selling just over 1 lakh units, as per Federation of Automobile Dealers Associations (FADA). Sure, a shortage of semiconductors has crippled its production, but that is true for others, too. Maruti’s sales declined in all major segments—mini, compact and SUV. FADA attributes it to a subdued demand for entry-level cars as “customers continued to conserve money due to their family’s healthcare needs”. So, who’s gaining? Tata Motors, primarily, but also Mahindra & Mahindra and Toyota. With 12 per cent market share, Tata Motors is within handshaking distance of No. 2 Hyundai (15.51 per cent share).…

IN REVERSE GEAR

KUMAR MANGALAM BIRLA’S retail business is undergoing a makeover. After acquiring a majority stake in the Sabyasachi label and joining hands with Tarun Tahiliani for a men’s ethnic wear brand, Birla’s flagship retail company, Aditya Birla Fashion and Retail Limited, will now distribute and sell Reebok products in India and Asean nations across formats. With an instant presence in the growing sports and active-wear segments, Birla—who recently won the Global Entrepreneur of the Year Award from The Indus Entrepreneurs—is assured of Reebok’s loyal user base and pull value, and doesn’t need to build a new brand from scratch. In fact, the shoe seems the right fit for Reebok, too—the deal gives it a shot at revival in a market where its turnover has fallen from about ₹800 crore in 2009…

Smokin’ Hot, VC Style

AMID ITS share price stagnating for over eight years in the ₹200-300 range, ITC finally divulged its business strategies. From unlocking value through the demerger of its non-cigarettes FMCG and hotels business to a possible listing of ITC Infotech, the Sanjiv Puri-led company has a slew of measures planned. The ₹53,000-crore ITC has adopted a “venture capitalist kind of mindset”, Puri says. Delivering new products at an “unparalleled” speed that “crushes” the competition, is now its mantra for success.…

Smokin’ Hot, VC Style

2022: A Year of Snakes and Ladders

A YEAR OF LIVING DANGEROUSLY, in every sense of the term, draws to a close. Lives lost, businesses shuttered, human resolve tested, yet wealth created. A year when science answered the questions asked of it, even as it prepares now for a sterner examination. These are times of great uncertainty yet investors appear sanguine that as long as they know the cause of uncertainty it cannot rock their boat, at least not enough to hurt. Secure, they remain, in the knowledge that the warden, who has the power to turn off the music, remains trapped in her own policy tower, for fear the revellers could burn the whole castle down were their party interrupted. This is how investors enter the new year, dancing wildly on a lake of frozen ice,…

2022: A Year of Snakes and Ladders

SIX DAYS AFTER HIS LIMOUSINE BUS OVERTURNED, ROBIN RAINA BOOKED A FLIGHT FROM AUGUSTA UNIVERSITY MEDICAL CENTER IN GEORGIA TO INDIA. THAT DAY IN early 2018, the Chairman of the board, President, and CEO of insurance solutions provider Ebix Inc., drove down to the Hartsfield-Jackson Atlanta International Airport against the doctor’s advice, with three screws in his leg and crutches in his hands. On touchdown, the restless honcho—a US citizen of Indian origin—started the hunt for acquiring companies in payments, travel, forex and remittances to create an ‘airport’ of financial transactions in India. “When I walk into a deal, I give people 48 hours to accept or reject my offer,” says the flamboyant Raina, sitting in his sprawling office in the Noida Special Economic Zone. In the next two and a…

ACQUISITION SPREE

Payments June 2017: Bought an 80 per cent stake in ItzCash for ₹522.42 crore Money transfer, forex and remittances Oct 2017: Acquired 100 per cent interest in money transfer business of Wall Street Finance, along with its subsidiary company Goldman Securities, for ₹42 crore Nov 2017: Acquired the money transfer service scheme of Paul Merchants for about ₹262.77 crore April 2018: Acquired Centrum’s forex business called Centrum Direct for around ₹1,209.50 crore Jan 2019: Bought Essel Forex for approximately ₹55 crore Jan 2019: Acquired 89.94 per cent stake in inward remittances provider Weizmann Forex for ₹527.51 crore Travel Nov 2017: Acquired 100 per cent stake in online travel portal Via for ₹492.38 crore July 2018: Acquired Mumbai-based Mercury Travels and Delhi-based Leisure Corp for a total of ₹103.20 crore Dec 2018: Acquired 100 per cent stake in Delhi-based Pearl International Tours…

ACQUISITION SPREE

THE TURNAROUND MAN

He joined Pertech Computers Ltd in Mumbai as a management trainee in 1990, with a monthly salary of ₹2,683 His big break was joining the NASDAQ-listed Delphi Information Systems (now Ebix Inc.) in October 1997 as Vice President (Professional Services); today, he has a 28.4 per cent stake in the company A US citizen of Indian descent, Raina did his schooling and engineering from Patiala He admires Steve Jobs for being a perfectionist and Warren Buffett for his astute business sense A fitness enthusiast, he believes four and a half hours of sleep is enough He has 2 million-plus followers on Facebook Currently writing a book, he has produced a documentary…

THE TURNAROUND MAN

CONGLOMERATE DREAMS

Robin Raina-headed Ebix Inc. set up the local operations of EbixCash, its Indian subsidiary, in 2017 The company had revenues of ₹4,317 crore in 2020-21. EbixCash had a pre-Covid-19 GMV of $18 billion EbixCash has spent $750 million in the past five years to acquire more than two dozen firms across payment solutions, forex and remittances, travel, technology, e-learning, logistics and business process outsourcing Raina aims to build EbixCash into an Indian MNC. The conglomerate will have financial transactions covering forex, payments, remittances, insurance, technology, etc. EbixCash is readying for an IPO. Based on its assumed revenue multiple, its market value could be in billions of dollars SOURCE: COMPANY, REPORTS…

WORLD ON A CHIP

LOOK AROUND YOU. In your pockets, your home, your office. On your way to office or a vacation. Look at how you communicate with colleagues or loved ones. How you cook. How you wash clothes. And shop. Or pay your bills. In fact, look at everything you do when awake. What’s common? It’s something that’s hidden, inanimate, seemingly innocuous, but omnipresent. And it just stopped the world. “A single semiconductor chip has as many transistors as all of the stones in the Great Pyramid in Giza. And today there are more than 100 billion integrated circuits in daily use around the world—that’s equal to the number of stars in our corner of the Milky Way galaxy,” the Semiconductor Industry Association (SIA), a US trade group, says on its website. Yet there aren’t…

WORLD ON A CHIP

THE CHIP OF THE MATTER

Rapid digitisation during the Covid-19 pandemic has led to a massive rise in demand for semiconductor chips This led to shortage of critical third-party components needed to manufacture chips. The restrictions on movement also hit the complex manufacturing process While India is an integral part of the design component of the semiconductor ecosystem, it has practically no chip-manufacturing capabilities. Also, since most design firms are captive centres of global companies, the IP is not registered in the Indian territory, and so doesn’t translate into revenues Commercial semiconductor fabrication operation is almost non-existent in the country. There are two operational fabs: SITAR in Bengaluru, and Semi-Conductor Laboratory in Chandigarh. But both build silicon chips for strategic purposes such as defence and space. An analog fab is expected to be established in Madhya Pradesh Even assembly,…

THE CHIP OF THE MATTER

STILLBORN PLANS

1 There have been multiple failed attempts to set up commercial fabrication facilities in the country 2 A consortium of Jaiprakash Associates, along with the US-based IBM Corporation and Israel’s TowerJazz, was to set up a facility at Greater Noida, Uttar Pradesh, with an outlay of about ₹26,300 crore. The facility was to have a capacity of 40,000 wafer starts per month of 300-mm size, using advanced CMOS technology 3 A consortium of Hindustan Semiconductor Manufacturing Corporation (HSMC), along with STMicroelectronics (France/Italy) and SilTerra (Malaysia), was to set up a facility at Prantij, near Gandhinagar in Gujarat, with an outlay of about ₹25,250 crore. The facility was to have a capacity of 40,000 wafer starts per month of 300-mm size, using advanced CMOS technology SOURCE: IESA & FROST & SULLIVAN REPORT 2020…

STILLBORN PLANS

GOVERNMENT PUSH

1 To extend policy support of up to 50 per cent of project cost to execute highly capital-intensive and resource-intensive projects for semiconductor fabs and display fabs 2 To extend policy support of 30 per cent to approved units for compound semiconductors/silicon photonics/sensors (including MEMS) fabs and semiconductor ATMP/OSAT units 3 Design-linked incentive (DLI) scheme—incentive of up to 50 per cent of eligible expenditure, and product deployment-linked incentive of 6-4 per cent on net sales for five years 4 Government to train 85,000 engineers for semiconductor ecosystem 5 India Semiconductor Mission to drive the long-term strategies for developing a sustainable semiconductors and display ecosystem SOURCE: PRESS INFORMATION BUREAU…

‘INDIA IS NOW ONE OF THE HOTTEST DESTINATIONS FOR SEMICONDUCTOR DESIGN’

WITH THE Union Cabinet approving a ₹76,000-crore incentive scheme for semiconductor manufacturing, Rajeev Chandrasekhar, Union Minister of State for Electronics and Information Technology, as well as for Skill Development and Entrepreneurship, explains the government’s vision behind the decision and its ecosystem-led approach in an interaction with Business Today’s Nidhi Singal. Edited excerpts: After focussing on assembly in India, the government is now looking at growing the overall ecosystem within the country. What is the vision when it comes to semiconductors? India’s ambition is an electronics ambition. The reason that ambition is very relevant is that when Narendra Modi became Prime Minister in 2014, the electronics industry, and more specifically the components industry that fed the electronics industry, had been devastated. If you look at the period up to 2014 and see what…

‘INDIA IS NOW ONE OF THE HOTTEST DESTINATIONS FOR SEMICONDUCTOR DESIGN’

A STITCH IN TIME?

₹10,683 CRORE The budgtary outlay of the production-linked incentive (PLI) scheme over the next five years Invesment period is two years; incentive will be paid for five years after first year of post-investment operations BUTTONS. If there is one thing that sums up the woes of the Indian textile sector, it’s the buttons. And also thread. Apparel manufacturers—globally and in India—import buttons from China and Hong Kong, where the more fashionable wooden or engraved ones are made. India mainly makes plastic and nylon buttons. The industrial-grade thread they use comes from one factory that makes it in India—that of Madura Coats in Chennai. Ravi Kishore, former director of Apparel Export Promotion Council, says this is symbolic of India’s scattered and fragmented textile supply chain, which increases shipping costs, which in turn adds to manufacturing lead…

A STITCH IN TIME?

‘GOOD RESULT ON FTAs WILL BE SEEN SOON’

The government has set very ambitious export targets. Are these feasible and achievable? These targets are very much feasible because they have not been decided unilaterally. We reached these numbers after consulting many stakeholders and industry people. We spoke to industry [players] irrespective of turnovers. We spoke to a company with over ₹100 crore of turnover and we spoke to a smaller company with less than ₹50 crore of turnover as well. These are not rosy targets, but reality. How do you see the potential of the textile sector? The first basic change we have realised is [that we need a] change in strategy. Earlier, we were planning to boost exports on the basis of cotton because it constitutes a dominant share in textile exports. But the entire world is now using man-made…

‘GOOD RESULT ON FTAs WILL BE SEEN SOON’

THE TIME WAS early 2015. This consumer business functioned without a national sales head or a team driving innovation. There was no research and development to speak of and the business just chugged along without any great sense of direction. Sounds impossible? That’s how things were at Crompton Greaves’ consumer business. To put things in perspective, the business was housed in Crompton Greaves. As a brand, it is over 80 years old with high levels of equity in categories such as fans, lighting and pumps. Owned by the charismatic Gautam Thapar, the problem stemmed from other group businesses (most notably paper) struggling on the back of high debt from expensive buyouts. There was little option but to put the profit-making Crompton Greaves on the block. Concluding a buyout isn’t easy and this…

‘Sustainability critical to business success’

London-based Neeraj Kanwar, the 50-year-old Vice Chairman and Managing Director of Apollo Tyres, has managed to turn the Gurugram-headquartered company into one of the most recognisable auto brands in the world. In the last five years, Kanwar has grown the company’s turnover from $450 million to $2.34 billion. He now has a new mission: sustainable development. But that won’t be a cakewalk, especially since he makes tyres, one of the most polluting auto parts. Tyres are the second-largest source of primary microplastic pollution in the ocean after single-use plastic and account for nearly half of the global road transport particulate emissions. The only way forward, therefore, is to focus on green manufacturing processes, as the industry jumps onto the electric bandwagon. In an interaction with Business Today’s Prerna Lidhoo, Kanwar…

‘Sustainability critical to business success’

ACTIVELY PASSIVE

LET’S LOOK at two sets of indices. The first set comprises S&P BSE Sensex, Nifty, S&P BSE 500, Nifty Bank, S&P BSE Midcap and Nifty Next 50. The second set has benchmarks such as MSCI World Index, Indxx Blockchain Index, S&P U.S. IPO & Spinoff Index, S&P Kensho Electric Vehicles Index, Solactive Autonomous & Electric Vehicles Index and STOXX Global Electric Vehicles & Driving Technology NET Index. Most mutual fund investors would be aware of the first set and would have at least one or two funds in their portfolios that would be benchmarked to these indices. The set comprises some of the most popular benchmarks, which have been in the market for long. However, it is the second set which is in the news right now even though not many are aware…

ACTIVELY PASSIVE

THE 2006 DOCUMENTARY Who killed the electric car? delves into the reasons behind the fall of General Motors’ EV1 a few years after its launch in 1996. Wally Rippel, one of the electric vehicle’s (EV) designers, pinned the blame on Big Oil’s fear of losing their monopoly on transportation fuel. Auto companies were also worried, he continued, about EV development costs in the short term and revenue loss in the longer term as EVs require little to no maintenance. Just 1,100-odd EV1s hit the road before the programme was shelved in 2003. The EV revolution lay in limbo until Tesla picked up the baton with the launch of the Roadster in 2008. A little over a decade later, Tesla’s Model 3 became the bestselling EV of all time, having retailed 6.4…

THE EV ECONOMICS

NOIDA-BASED KARAN KUMAR has a daily commute of over 60 km. The 26-year-old software engineer, who drives his own car, travels to work 30 km away in Delhi and back home. Rising fuel prices and a drop in his car’s efficiency, however, have made his monthly fuel bill go up significantly, burning a hole in his pocket. Kumar is, therefore, considering buying a new car. But he hasn’t been able to decide which type he should buy: a petrol-based one like before or an electric vehicle (EV). “I spend at least ₹12,000-15,000 every month on fuel alone. Buying an electric car would help reduce this cost, as well as fight the rising pollution in the city. But I am not sure if it will prove to be an economical decision…

THE EV ECONOMICS

THE TASTE OF CHRISTMAS

“LET THEM EAT CAKE.” Whether or not French queen Marie Antoinette uttered these unfortunate words is debatable, but it is sound advice nevertheless, especially during this time of the year. ’Tis the season, you see, and if ever you needed an excuse to indulge your sweet tooth, it is now. With Christmas around the corner, bakeries and cake shops are full of plum cakes and Christmas puddings. But if you are looking for something different, try these traditional French cakes and desserts. Bûche de Noël, or Yule log The most traditional Christmas cake in France is the Yule log, or bûche de Noël. A rolled sponge cake filled with buttercream, it is shaped and decorated with chocolate frosting or ganache to resemble a log of wood. The cake celebrates the end of…

THE TASTE OF CHRISTMAS

HOME IS WHERE THE MOVIE IS

THE JOY OF PROJECTION Who says setting up a projector is a hassle? Just place the ultra-short-throw P1 PRO on the table in front of the wall and project up to 120 inches diagonally. Belonging to the Optoma CinemaX family, which has won awards like the Red Dot Design Award 2020 and iF Design Award 2020, the 4K projector runs the Optoma Smart+ platform with Android OS and has a host of connectivity ports including HDMI to connect your Apple TV or Fire TV Stick to access your favourite apps. While it comes with a remote, you can use your favourite smart assistant (Alexa and Google supported) to turn it on and off, adjust the volume and select the source. The P1 PRO has a bright 3,500 ANSI lumens output that…

HOME IS WHERE THE MOVIE IS

BACK IN THE SADDLE

When you fall, you get back up again. That’s the lesson in life, business and horse riding for Parle Agro’s Joint MD and CMO Nadia Chauhan. She first rode a horse at age seven when her father Prakash Jayantilal Chauhan—Chairman of the company, which makes Frooti and Appy—took her to Matheran on a family holiday. “My father used to go with his family since the age of seven to Matheran. Thereafter, for almost every family holiday of ours—when we were given a choice between Matheran and Europe—we always chose Matheran because we fell as much in love with the horses as he did growing up around them,” says Mumbai-based Chauhan. “All of us—my mom, dad, sisters and I—were passionate riders. Many fond memo-ries of our childhood, and as a family, are…

BACK IN THE SADDLE

THE UNLIKELY DESIGNER

To have an interest outside one’s day job is not unusual. However, it gets rather interesting when the two are remarkably divergent. Munesh Khanna, a name in the investment banking community, is a fine example of that. When Khanna is not working on a big-ticket buyout, he becomes a home designer. His profession took him across the world, exposing him to contemporary design and architecture, and that’s how he was drawn into it. In 2019, he started work on his second home. About 100 km on the Mumbai-Pune Expressway lies Karjat, and it became the base for what is now Khanna’s labour of love. “My appreciation for design and architecture gave a deep sense of individuality and what one wanted from a second home,” Khanna says. The property, called One Tree…

THE UNLIKELY DESIGNER

‘Develop a deep understanding of your key customers’

What was the problem you were grappling with? After 14 years in various sales and marketing roles in 3M India, I relocated to 3M’s global headquarters in a marketing role for a US-focussed industrial segment. I was part of a newly introduced industrial segment marketing organisation, which required me to work across multiple well-entrenched product platforms. This was to be a transformative go-to-market model. The key issue was how to insert myself into the middle of this transformation and bring value. I was also moving from a small subsidiary, with no knowledge of the US markets. Who did you approach and why? I approached the then executive VP of our global industrial business. He had set up a few meetings to support me in my transition. He was the architect of the transformation…

‘Develop a deep understanding of your key customers’

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