Hi Kailash, Thanks for reading the story and flagging the spelling error. It has been corrected.

Sidhartha Shukla The Ken, Staff Writer

Hi Rajesh, Yeah, legalising and forming a sane regulatory framework around the space would be wise. If not, then operations will go underground.

Sidhartha Shukla The Ken, Staff Writer

Hi Kartik, Thanks for reading the article and for your feedback. I agree with your first point but the latest data for internet penetration is not available. Also, as Quick Heal listed in 2016, their earlier numbers are not there available. Regarding the second point, we have corrected that. The correct number is 17.23%.

Sidhartha Shukla The Ken, Staff Writer

No one can disagree with you on the last point.

Sidhartha Shukla The Ken, Staff Writer

Hi Shreyas, Let's say one has to do a proper holistic synopsis of just the equity portfolio. For that details are needed on the levels at which LIC bought the stocks, how much money was given out in dividends over the years, to what level has the price appreciated etc. The lack of disclosure from LIC for its portfolio's performance makes it impossible to do a just comparison of performing investments to non-performing investments. The bonds portfolio is going to be a different beast altogether. Comparison of good paper vs bad is more important in the context of LIC.

Sidhartha Shukla The Ken, Staff Writer

Hi Vishwanathan, Glad to know that you like the story. Well, the regulator has listed down norms for what classifies as 'approved investments'. You can check out this link to read about it in detail - https://www.irdai.gov.in/ADMINCMS/cms/frmGeneral_Layout.aspx?page=PageNo63&flag=1

Sidhartha Shukla The Ken, Staff Writer

Hi Krishna, Thanks for the feedback. Yes, there is a lot more to be told about LIC. Also, these are some really interesting questions. Will try to get answers to them.

Sidhartha Shukla The Ken, Staff Writer

Hi Lokesh, Thanks a lot for noticing. Yes, it was on purpose. The reason is not to create a new acronym but to bring more clarity. The word blockchain has been used way too casually. Blockchain is more like a subset of DLT. Usually, whenever the word blockchain is used to describe a ledger the first thing that comes to mind is bitcoin and the properties it has. But the same kind of immutability, security, decentralisation etc might not be the case with all the ledgers just because they call themselves a blockchain.

Sidhartha Shukla The Ken, Staff Writer

Hi Febin, Glad you made this comment. There are few issues with XRP. Its validation process makes it tough for it to garner trust and adoption from the crypto community and become decentralised. The company says that it is making efforts to make it more decentralised, let's see how that works out. The token in itself is a separate story. Would love to work on it post a few developments which would give more clarity on where it is headed.

Sidhartha Shukla The Ken, Staff Writer

Hi Abhinav, Thanks for reading the story and the feedback. The business strategy of a company like Suzlon definitely needs to be explored. I'll try my best to talk more about it in future stories.

Sidhartha Shukla The Ken, Staff Writer

Hi Ankur, Thanks for reading the story. Have rectified the typo with the rate reduction bit. Also, you raise a valid point regarding the NPAs in the MSME segment. As per data available till March 2016, the total outstanding bank loans to MSMEs stood at Rs 11.1 trillion. It is not the same time frame for comparison but Rs 77,000 crore would be around 7% of the total lending exposure to MSMEs as per the data we have.

Sidhartha Shukla The Ken, Staff Writer

Hi Arun, I completely agree. SME to SME is a larger segment but the players here are unrated and it is also a risky one. Under the PCA framework, RBI has asked banks to reduce "exposure to high-risk sectors to conserve capital" and also to put restrictions on "credit expansion to unrated borrowers". It would be great if more small buyers could come onboard.

Sidhartha Shukla The Ken, Staff Writer