Well, right now they are too mushy for the growing Private Sector with bunched up budgets, but this is the real mickey..not one touch withdrawal but the real touch
and definitely not contactless payments and store cash and favourite withdrawals
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Here's the marketing copy from ICICI closely tracing the SBI Life pension launch. Epiphany Epiphany and more Epiphany. There's enough room for millions of new customers
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Speaking of Ads, from the brokers that do not have much depth to offer in services, Anand Rathi has coined a great family campaign with Papa swinging the Indian "Been" tube to get his daughter's fork fully compliant, market priced and tasty noodles..the index banks and the other ad agency paraphenelia haven't grabbed this ad yet..released and watched on the UTVi market broadcast right now
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Our Indian banking recovery seems to be a serious ride..Opening ad agency name accounts on the Post is our RK Swamyy BBDO courtesy this laggard Indusind which hasn't shut down and comes shooting back into the light with Vaidya and Shruti Seth ( Thanks Campaign India - campaignindia.in)
check them out at http://hotshots.in
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Our Indian banking recovery seems to be a serious ride..Opening ad agency name accounts on the Post is our RK Swamyy BBDO courtesy this laggard Indusind which hasn't shut down and comes shooting back into the light with Vaidya and Shruti Seth ( Thanks Campaign India - campaignindia.in)
check them out at http://hotshots.in
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Our Indian banking recovery seems to be a serious ride..Opening ad agency name accounts on the Post is our RK Swamyy BBDO courtesy this laggard Indusind which hasn't shut down and comes shooting back into the light with Vaidya and Shruti Seth ( Thanks Campaign India - campaignindia.in)
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Our Indian banking recovery seems to be a serious ride..Opening ad agency name accounts on the Post is our RK Swamyy BBDO courtesy this laggard Indusind which hasn't shut down and comes shooting back into the light with Vaidya and Shruti Seth ( Thanks Campaign India - campaignindia.in)
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Our Indian banking recovery seems to be a serious ride..Opening ad agency name accounts on the Post is our RK Swamyy BBDO courtesy this laggard Indusind which hasn't shut down and comes shooting back into the light with Vaidya and Shruti Seth ( Thanks Campaign India - campaignindia.in)
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Religare seems to be quite a fiesty client for investment banks, landing a $700 million deal for Hospitals & Healthcare. As it is an opportune time to enter the market in India, it would seem pretty onerous on their part to buy 750 mn worth (at RS 40=1 USD) 24% of Parkway for 14 hospitals. India's healthcare costs may be not so teep when translated into dollars, but hospital construction would in fact be cheaper anywhere else in Asia and 14 hospitals of even 300 beds each would have cos you only $600 million.. Here's the rest of the deal..Acc to the undependable ET, its now 62 hospitals and 10000 beds so, is it worth $10mn in revenue? Thw Wockhardt acquisition cost them $25 million odd, and there is enough cash for them to invest. What would be key is building a set of internationally accepted practices and using the deal to build management expertise and establish themselves in medical tourism and the pandemics that are so friendly to the area.
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I hate having to mail photos everytime to posterous Sachin, Can't we post them in!
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No, we do not intend these to be rumors or slurs on the companies and managers mentioned. Any identikit attempts by budding engineers, chiropreneurs and statistical algorithms are frequently discouraged and found to be unactionable in a court of 'law'. Please keep your humour and digestive capabilities intact while spreading erious analysis as serious rumors..
Despite a prior sojourn, we are not related to any manager or party in Mndtree and do not sponsor or actively / passively support any of the IT Services' industry's strategies. We also discourage activist investors and quant research experts esp with "acadamics" background.
Here is our take on the recent jump in MindTree stock even as VIX loves its lullaby and points to a right point for the market jump. Are you nervous. A dull Friday, makes you forget sometimes.
Banking has moved far into the stratosphere if you compare it to the nervous nineties for Indian IIM and IIT educated MBAs fighting for a few positions and capital market traders oping for shreds of sense in the few banking stocks going around. However, in the Capital Markets business, we were the earliest to attain Nirvana, wiht a balance of WOM, research and now we even have analytics and Ph d reaching required redundancy in decision making echelons. In this light the IT services and BPO revolution of the nineties and the oughtes has been a neglected cousin despite the market attention it did receive ahead of Economic Surveys, never in the budget itself. Having world in the industy(ies) when international travel and direct interaction with high level users was a must, I find the precarious siuation of the industry since 2007 quite entertaining and I blame the insiders for this state of the industry. Well, MindTree is no exception, neither are the captive BPOs which did not even have any aspirations going for them by the time a EXL services came to a $50 million quarter. To the point, MindTree wishes to go to a $250 million quarter, same as Genpact ( with 45% of GE business in 2010) reached in 2009 and twice that of WNS started by British Airways procurement guys fed up of doing their own revenue accounting.
They have management, a smattering of talent they keep churning and the acquisitions targets left for them in the applications and infrastructure space were really limited and full of native talent not resplendently shouting for joining at the hip. Back in Banking and Capital Markets they were left with precious little for Clients with the Industry going Captive. Going by the brilliant past record of the company since 200-01, they will likely go for a pocket power purchase in captive BPO. Losing the AIG captive would have been a disaster for the advisory team, Emphasis ffering a better satisfaction on cost control and confidentiality for future 10 years revenue from AIG.
That leaves MindTree with a shot at the big ticket Fidelity which is a little too big for their stable, mature nature of small business. More likely would be the research desk of Credit Suisse or a little baby that needs holding hands not SCOPE which has been up for sale for 5 years now. But then if the right discount is offered, there is enough management going around twiddling thumbs in that pocket notebook of the IT Services and BPO juggernaut from India. We have not seen a single deal since 2008. Banking is much more interesting.
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The IPL in its third edition has still got probably a dozen central sponsorship spots that can make you stand out and be value for your marketing budget. While Karbonn Mobiles added themselves to the pool and IPL doubled the money in its Central sponsorship pool this year there are many possibilities for budding marketing budgets, if only they appreciate the sport and the emotion...
A great example i the season 2 Citibank add on titled the Citi U-23 Success of the League, that takes away a lot of the gunpowder for the Orange Cap and the Purple Cap awards for the best bat and bowl performances. Rohit Sharma managed the prize last year awarded by darling Ravi Shastri and the omnipresent Sunil Gavaskar with MAK Pataudi the third member of the 'jury'.
from oneindia.in last may..
An IPL committee comprising of former Indian captains Sunil Gavaskar, Ravi Shastri and Mansur Ali Khan Pataudi adjudicated the contested. The commitee reached unanimous decision that Sharma has been the best cricketer in the Under-23 category in the IPL.
The award carries a purse of Rs 1 million and a citation. Rohit scored 333 runs at an average of 27.75, at a strike rate of 119. He has also taken 11 wickets at an average of 11.45.
Similarly, the KPL for the namma local Bengalore sold for Rs 8 crores for the 8 teams and a similar amount in sponsorship. and it does deiver TRPs as long as it is Cricket!
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The Life Insurance sector in India which has grown to Rs 12 Trillion in Asets ( 12 lakh Crores) or $300 billion with LIC alone and with atleast 35% of the new business share during lean times and 65% share during growth years the Pvt sector also has an asset book of Rs One lakh crore or $ 25 billion. FDI reforms for the sector are a sure thing butt he sector has been lagging behind in social innovation to cater to its commitments of 40% business in urban poor and rural masses.
The one response to that from the industry has been that of Max New York Life. I intend to show you the brilliant product design of this new great product Max Vijay which has all the 5 Ps of Marketing going for it rather than just branding like Kotak Life's "Chhotu kya banega" r WOM like Birla Sun Life.
The product Vijay is a Whole Life Insurance Product and thus more affordable as insuranec cover without losing the savings..Also the new cproduct is warehousable, in that it is sold in units of Rs 1000, that are sold at cost to the company on Day ) and goes through distributors, retailers and end agents that use POS terminals to record user details on a simple form. Anyone can pay the Rs 10 ( or maybe 20) required for a Rs 1000 insurance cover, and the company has already sold it from HQ for the 770 value that accrues to the T Ledgers fro the day 1 of sale.. The mortality and the social group demographics have been factored in by actuarrial analysis while the insurer / proposer can buy it 'off the shelf' at his convenience..From my knowledge, for every 10000, the company records 775, while the whole sale distrivutor records the same at 850 or 900 to his retail agents who can be MFI or local Soap/Tobacco/grocery shop owners than can make the sale of each Rs 1000 unit for recorded value f 970. Thus the commission structure is also much mre equitable and at the same tie fairly values the insurance contract. The use of POS terminals means that whenever the final sale is made unit value is updated at the CPU and thence any updates regarding renewal premiums and modifications can be made.
The other products in the sector are basically leaning towards risky capital market based investment pools in Variable Universal Life plans or simply quasi MF investments in Units that can be tracked by their NAV. The riskiest class Equity Funds are allowed 50-60% in Equities. these products then use the family-man appeal to sell by using branding and advertising campaigns around the children / or targeting women. such an example would be Kotak's "Chhotu kya banega"
A quick comparison above shows you the extent to which Vijay can really serve the rural mass market needs with the operationally complex product that hung IRDA approvals for over a year. As it is sold directly by the company, mis-education may however cause its neglect by the Agent Advisor force and any corporate / bancassurance partners that focus on the wealth segment.
The final approved product from Max has three distinct flavours, Silver Gold and Diamond, much in use in Sales incentive compensation with largest retail distribution companies like ITC, HUL and thus easily understood.
Filed Under: India, Life Insurance, Mass Market, Retail Lifestyle, Wealth
The SBI Life was just being posted here during the Filmfare presentation when i had to attend to the new ICICI Bank one. Definitely has the emtional pull. Sadly, I haven't seen it at any ICICI Bank branch :D
Let's hope the Indian Financial Services juggernaut doesn't get toooo many hiccups..
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IPL Tadka Maar ke | Colors to launch IPL cricket based entertainment Ad quickies, bu tthe quality of work expected from Colors shines through. On ground execution will be guest calls in Khatron.. and Big Boss? While Coke also brings on the regional flavour bollywood ishtyle. Katrina with namma Vijay and Vidya Balan swinging it with some Marathi macha And IPL in Theaters with UFO
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IPL Tadka Maar ke | Colors to launch IPL cricket based entertainment Ad quickies, bu tthe quality of work expected from Colors shines through. On ground execution will be guest calls in Khatron.. and Big Boss? While Coke also brings on the regional flavour bollywood ishtyle. Katrina with namma Vijay and Vidya Balan swinging it with some Marathi macha And IPL in Theaters with UFO
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Leave me be..What..unknowns fighting for 4000 votes from netflix stream? Almost the same candidates as the Oscars turned up at the Jazz Club for the Film Independent's Spirit Awards...Oscar night gala, tonight
Crazy Heart for the Oscar..I didn't see it here in Desh,
Held at Piaget Lounge, Nokia Event Theater, LA Live
Corporate Sponsorships for LA event venues are definitely sold out!
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GP2 veteran Vitaly Petrov gets in front at the new Renault car launch in Russia, while Karun Chandok returns to the Campos (now Hispana) Team for a F1 run. Campos joins after 2005, an dKarun's team mate is Bruno Senna of Brazil, also GP2
The World Rally Championships carry on in Mexico in the meanwhile, without any Indian competition worth the name.
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GP2 veteran Vitaly Petrov gets in front at the new Renault car launch in Russia, while Karun Chandok returns to the Campos (now Hispana) Team for a F1 run. Campos joins after 2005, an dKarun's team mate is Bruno Senna of Brazil, also GP2
The World Rally Championships carry on in Mexico in the meanwhile, without any Indian competition worth the name.
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GP2 veteran Vitaly Petrov gets in front at the new Renault car launch in Russia, while Karun Chandok returns to the Campos (now Hispana) Team for a F1 run. Campos joins after 2005, an dKarun's team mate is Bruno Senna of Brazil, also GP2
The World Rally Championships carry on in Mexico in the meanwhile, without any Indian competition worth the name.
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India
