Is India’s Gen Z living on borrowed time?

India’s credit boom is bringing millions of young borrowers into the formal financial system. But alongside greater access to credit, there are warning signs—multiple loans, loan stacking and rising repayment stress.

A ₹10,000 loan may seem harmless. But what happens when borrowers take six or seven such loans to repay earlier debts?

In her latest video, Sucheta Dalal examines India’s “Aspirational India” story and asks an important question:

Is easy access to credit really financial inclusion if the borrowing isn’t affordable?

Watch the video: https://youtu.be/MB0sG_l4GCY

Please watch and share with anyone who is navigating loans, digital lending or personal finance.

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*Tata Sons: RBI's Endgame and a 53-year-old Exemption Whose Time May Be Up*

Yesterday’s Tata Sons board decisions have brought this question into sharper focus.

The board backed N Chandrasekaran for another 5 years and moved towards listing Tata Sons. Tata Trusts has objected.

But the story goes well beyond yesterday’s headlines. It raises important questions about ownership, governance, succession, RBI regulation—and the 53-year-old tax exemption enjoyed by the Tata Trusts.

In this analysis, Sucheta Dalal looks at the deeper issues shaping the future of Tata Sons and the Tata Group.

*Watch the video:* https://youtu.be/YVusDAk4PKA

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*India's Manufacturing Dream: No Skills, No Scale*

India wants to become a manufacturing powerhouse. But does it have the skilled workforce to make it happen?

Factories need more than land, capital and incentives. They need workers who can operate modern machinery, understand automation and electronics, maintain equipment and adapt to rapidly changing technologies.

Yet formal vocational training reaches only a small share of India’s young workforce.

In his latest analysis, Debashis Basu examines India’s skills gap—and what the experiences of China, Taiwan and Vietnam can teach us about linking vocational education with the needs of industry.

*Watch the video:* https://youtu.be/364v8Ks_Dto

What needs to change for India to build a truly industry-ready workforce?

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*India is Finally Reading the Label; Now it Must Read the Screen*

We’ve learned to read the label. But do we know how to read the screen?

India is seeing a major push for safer food, clearer labelling and action against misleading claims. But as more of our shopping moves to Amazon, Flipkart, Zepto, Blinkit and other platforms, a new question emerges:

Who protects consumers when the supermarket shelf is on our phone?

In her latest video, Sucheta Dalal looks at the growing crackdown on food safety and misleading claims—and why e-commerce platforms must also be held accountable for what consumers see and buy online.

*Watch the video:* https://youtu.be/LPPuzfRlEhI

A timely conversation about food safety, consumer rights, e-commerce accountability and the information we need before we click “Buy”.

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*One Missed EMI, One Ruined Score - What You Need to Know*

Instant loans. Easy money. Hidden consequences.

How quickly can an easy digital loan turn into a debt trap?

Join Moneylife Foundation on *1 October, 4–6pm* in Mumbai for a discussion with *Aparna Ramachandra* , Founder-Director of Rectify Credit, and *Tyuish Agarwal*, student, NALSAR University of Law, researcher and author of the Foundation's study on digital lending - _'Digital Credit Without Limits'_.

Learn about the real cost of “no paperwork, instant loans”, how social-media algorithms draw borrowers in, what happens to your credit score — and what the Foundation's research reveals.

There will also be an open Q&A and discussion moderated by *Sucheta Dalal*, Founder-Trustee, Moneylife Foundation.

*Venue:* Rangaswar Hall, Y B Chavan Centre, Mumbai, 400021

*Register here:* https://www.mlfoundation.in/event_registration/one-missed-emi-one-ruined-score-what-you-need-to-know/390.html

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*Using Court Orders To Erase a Shady Corporate Past*

What happens when corporate name changes, de-indexing and John Doe court orders make it harder for investors to find past regulatory action, financial controversies and investigative reporting?

In her latest analysis, Sucheta Dalal examines the growing use of takedown and de-indexing orders—and why this matters for investor protection, corporate transparency and due diligence.

A crucial question for every investor: What good is disclosure if the information cannot be found?

*Watch the full video:* https://youtu.be/jreX8FmRcEs

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Democrats are the party of racism.

Slavery — Democrats
Jim Crow — Democrats
Internment Camps — Democrats
Affirmative Action — Democrats
DEI — Democrats

OFFICIAL LINKS:
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“Racism is not dead, but it is on life support - kept alive by politicians, race hustlers and people who get a sense of superiority by denouncing others as racists.”

— Thomas Sowell

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*Why FPI Pessimism Is No Cause for Alarm*

FPIs are pulling billions out of Indian equities. But should we really be worried?

In his latest analysis, Debashis Basu looks beyond the headlines to explain why FPI pessimism may be missing a bigger story.

While foreign investors remain cautious, Indian mutual funds and domestic investors are directing significant money towards small- and mid-cap companies.

So, what does the money really tell us about India’s investment story?

*Watch the video:* https://youtu.be/xKVyCjmp8Ok

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*Bank of Baroda: ₹35,715 Crore Written Off, NMC Settlement Questions Unanswered*

Bank of Baroda has written off ₹35,715 crore in loans over five years, while recovering less than 28%. It has also agreed to a US$600 million settlement linked to the NMC Health collapse.

In her latest analysis, Sucheta Dalal examines the unanswered questions around large loan write-offs, banking governance, regulatory oversight—and why ordinary depositors often face far greater scrutiny.

Is the banking clean-up story as reassuring as the headline numbers suggest?

*Watch the full video:* https://www.youtube.com/watch?v=UyUstXXvcZk&feature=youtu.be

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