Ranjan Varma

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Articles in category: Financial Awareness

Financial Innovations are NOT Consumer Friendly September 6, 2013

When the Insurance industry was opened up around 2000-01, there was optimism that the new players would bring in more options, better pricing and better service for the consumers. But in the name of innovation, the Insurers scammed their customers with ULIP that was conceptually a great product mix of insurance and investment but had…

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The dangers of half baked knowledge March 26, 2013

Opinion and facts often blend into each other. While writing, article the author has his/her own interpretations of the facts. We need to be aware of the limitations of the knowledge being shared by the author. We need to constantly challenge the assumptions. We often talk about the advantages of mutual funds, investing in equities…

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Voices of Financial Services Industry October 24, 2012

There are many voices in the financial services vertical. They are the service providers, their charmer agents/ Relationship Managers, the media guys, the experts and the Regulators. The only person missing (in action) in lending their voice is the Client/ Customer!  The customer do not have time for this chit chat. They listen to the…

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