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Maha Metro: Remaking Indian Public Transport

SKOCH team visited the project to experience it first-hand. A report from the field. Keeping citizen at the core, at each step, Maharashtra Metro Rail Corporation Limited or Maha Metro has been taking periodic feedback from the citizen bodies and potential users. The purpose is to not only to sensitise the citizens but also to…

Brinda Banerjee

  • Whose Data is it Anyway?

    All the legislation and debates around data in the recent years have centered around localisation and privacy. These are important but not the core issues. The real issue today is how do we tap the economic value accruing from data and maintain our economic sovereignty. Data is often termed as the “new oil”. Oil has…

    Inclusion

  • Insurance and Sustainability

    With a ‘one player’ market to begin with to 54 today, the industry has seen rapid growth over the years. This, coupled with favourable regulatory environment and adoption of sustainable practices, will make insurance sector leap into the next phase of growth, says Nilesh Sathe

    Nilesh Sathe

News

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State of Governance

Read Full Report

March 8, 2022

SKOCH State of Governance Report 2021

SKOCH State of Governance 2021 - Full Report

Andhra Pradesh, West Bengal and Odisha are #1, #2 and #3 for SKOCH State of Governance 2021.

Andhra Pradesh Tops SKOCH State of Governance 2021

Maintain #1 spot for the second year in a row

West Bengal Ranks #2 in SKOCH State of Governance 2021

West Bengal maintains a spot in the Top 3 for fourth year in a row.

SKOCH State of Governance - Research Methodology

SKOCH State of Governance - Research Methodology

Editor’s Pick

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covid

Atmanirbhar Lets Down MSMEs

While it is understandable that the spending power of the government currently is limited, then it is only desirable that the felt-needs are addressed first that will make or break the future of India.

Gursharan Dhanjal

  • Financial Literacy Must For Defeating Poverty

    Financial literacy is suffering today from the dogma that it is to be imparted only not-for-profit interest or by media. The reality is that the money is being wasted on English business TV channels preaching to the already financially literate. Advertising is disguised as financial literacy right under the regulatory nose. Let us not forget, the BC model became successful only after my recommendation to allow corporate BCs was accepted.

    Sameer Kochhar

  • National Multi-Institutional Survey on MSMEs in India

    SKOCH Group conducted a national level multi-institutional survey of MSMEs in India in collaboration with Federation of Indian Micro, Small and Medium Enterprises (FISME); Bhartiya Vitta Salahkar Samiti (BVSS); and, Tax Law Educare Society (TALES).

    Inclusion

  • Aarogya Setu: A Felt-Needs Survey

    Aarogya Setu app can play a very significant role in controlling the COVID-19 pandemic and its scope should be widened to include the services like telemedicine, teleconsultation and health insurance, according to a national survey conducted by SKOCH Group amongst three stakeholder groups: MSMEs, Lawyers & Economists, and Doctors & Public Health Professionals. According to the survey, a majority of the respondents favour Aarogya Setu to become a comprehensive national health app.

    Inclusion

  • Financial Literacy Needs Regulatory Help

    Unlike hunger, need for financial literacy is not self-evident. If it was, there would have been no need for it to start with. Financial literacy requires mobilisation, counselling, classroom training with the relevant content and pedagogy. There seems to be an impression that all this can be achieved in batches of 80 being mobilised by one extension…

    Sameer Kochhar

  • Public spending in Rural India focused on asset creation

    Most of the public welfare programmes pushed forward by Prime Minister Narendra Modi government have resulted in asset creation. Major schemes that have resulted in significant asset creation in rural India include Pradhan Mantri Awas Yojana – Gramin, Pradhan Mantri Gram Sadak Yojana (PMGSY), National Rural Employment Guarantee Scheme (NREGA), Pradhan Mantri Ujjwala Yojana (PMUY), Swachh Bharat Abhiyan (SBM), Deen Dayal Upadhyaya Gram Jyoti Yojana Saubhayaga (DDUGKY), Pradhan Mantri Jan Dhan Yojana (PMJDY) and Ayushman Bharat (PMJAY) scheme. Jal Jeevan Mission introduced in August 2019 is another important scheme targeted at significant asset creation in the rural India.

    Inclusion

Case Studies

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Opinion

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Time to Save the Economy

The Prime Minister’s vision of India becoming a $5 trillion economy by 2024 has inspired every citizen to contribute to this worthy cause. In his words, “If every one of the 130 crore Indians takes one step forward, the country too will go that many steps ahead”.

Sameer Kochhar

For Smooth Interoperability

To achieve the promise of the Internet era, interoperability is an absolute essential. Interoperability between products is required to reduce complexity for customers and allow them to focus on creating strategic advantage rather than solving the issues that arise when information technology systems don’t work together well. They can share data between disparate data sources and multiple applications. They can preserve their investments in existing systems through easy data interoperability, while accessing additional functionality and cost effectiveness that new technologies provide.

Karna Bajwa

Five policy actions needed to help MSME fight Corona battle

Five simple policy actions can be of enormous help to MSMEs to tide over the COVID crisis. These can be implemented even during the lockdown.

Gursharan Dhanjal

Practical Ideas for Growing the Economy to $10 Trillion

The GDP growth rate is determined by two factors: the investment rate and the efficiency in the use of capital. The Harrod-Domar equation defines the relationship: the growth rate is equal to the investment rate divided by the incremental capital-output ratio (ICOR).

Rohan Kochhar

Editorial Comment

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Editorial Comment
March 22, 2020

­What MSMEs want?

Cash flow lending based on GST paid invoices that are accepted by the buyer could be achieved through a second widow on TReDS. With invoice financing treated under priority sector and UPI facilitating credit to small firms along with a slew of similar steps will bring relief to small businesses.

Gursharan Dhanjal

Editorial Comment
September 25, 2019

Ayushman Bharat addresses demand-side health financing needs of poor

Modi government’s flagship healthcare programme Ayushman Bharat completes one year in September 2019. This is one of the world’s largest publicly funded healthcare initiatives. Indu Bhushan, Chief Executive Officer, Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PMJAY), explains the achievements of the scheme in conversation with Sameer Kochhar, Chairman, SKOCH Group. Edited excerpts:

Sameer Kochhar

Book Review
July 22, 2019

Data Colonisation: A Growing Threat of 21st Century

In today’s interconnected world data is the lifeline of any economy. Free-flow of data across the world has made it easier for a person sitting in one part of the world to access the data in any other part of the world. This has made it easier for any business to expand its reach at a global level.

Sameer Kochhar