OXIESEC PANEL

Name	Size	Modified	Perms
📁 ..	-	03/17/2019 06:24:57 AM	rwxrwxr-x
📄 03036edfece701eaa1537fea4014dd44.spc	52.22 KB	02/11/2020 10:50:52 AM	rwxrwxrwx
📄 04d0c6cc2bf146b1318b78f84416b912.spc	123.26 KB	03/12/2020 06:21:28 AM	rw-r--r--
📄 0582678c8cfff117f770f9368b70c2b5.spc	19.97 KB	02/11/2020 10:50:53 AM	rwxrwxrwx
📄 06d19ca88661ebf5f2459dd4315a2bb1.spc	169 bytes	02/11/2020 10:50:53 AM	rwxrwxrwx
📄 09c20f5ef1098fa6a0dcbf757db22c44.spc	212.6 KB	03/07/2020 03:53:26 AM	rw-r--r--
📄 0bb533998a40e1ca3cefc59d6e542fc8.spc	34.69 KB	02/11/2020 10:50:53 AM	rwxrwxrwx
📄 0ed254d4d9db6e3afe193b00bc6471bb.spc	31.22 KB	03/11/2020 01:28:56 PM	rw-r--r--
📄 1469d584e9747d132077c9df3cda6c97.spc	121.54 KB	03/12/2020 06:21:28 AM	rw-r--r--
📄 1608544648e39ada42071bed51f3b175.spc	192.61 KB	02/11/2020 10:50:54 AM	rwxrwxrwx
📄 1857fc578c17e6145bcf223d333aa48d.spc	79.19 KB	02/11/2020 10:50:54 AM	rwxrwxrwx
📄 192555ba2ac5f902a3e3f1c0e4aae46c.spc	176 bytes	02/11/2020 10:50:54 AM	rwxrwxrwx
📄 196f73e8cf4330017ab92ef17541ebea.spc	34.06 KB	02/11/2020 10:50:54 AM	rwxrwxrwx
📄 19d7e90c3867383bc4790ba57a9f0a5c.spc	39.17 KB	02/11/2020 10:50:54 AM	rwxrwxrwx
📄 19f3a21c36072f501f634db8e658bc9f.spc	17.31 KB	02/11/2020 10:50:54 AM	rwxrwxrwx
📄 1a2ad7ec8e9ae3e242926fdbb1c728ec.spc	34.11 KB	02/11/2020 10:50:55 AM	rwxrwxrwx
📄 1afdf65a8c3ff9f8db7a8f10b580c286.spc	41.69 KB	02/11/2020 10:50:55 AM	rwxrwxrwx
📄 1bb80174ec75e092e3e7dbd063def8b9.spc	29.45 KB	03/06/2020 06:31:05 AM	rw-r--r--
📄 1de9a562a6be22df63820a9463bcd78e.spc	168 bytes	02/11/2020 10:50:55 AM	rwxrwxrwx
📄 1e85d1a99d268e01b229ade5baf241c4.spc	40.19 KB	02/11/2020 10:50:55 AM	rwxrwxrwx
📄 23796aacf2848a8f58cd3ef3f69e38fc.spc	419.69 KB	02/11/2020 10:50:56 AM	rwxrwxrwx
📄 2408c179b723e6418904b92398f6b137.spc	83.21 KB	02/11/2020 10:50:57 AM	rwxrwxrwx
📄 242d3dabf79d13154fcc384ff8b2d25e.spc	138.23 KB	03/12/2020 06:21:24 AM	rw-r--r--
📄 24739622a680323db111e64a3e3c3305.spc	13.08 KB	03/11/2020 01:28:57 PM	rw-r--r--
📄 26ad3f3473af193dfc893e18704c9003.spc	5.83 KB	02/11/2020 10:50:58 AM	rwxrwxrwx
📄 2799184659106c88b5072a3e3f763a4d.spc	12.3 KB	02/11/2020 10:50:58 AM	rwxrwxrwx
📄 2abcd685295b4a261ad2e866188e5e11.spc	123.52 KB	03/12/2020 06:21:29 AM	rw-r--r--
📄 2d3ca8b6dffd0b708a87b587b3ae50cc.spc	48.87 KB	08/11/2020 06:13:30 AM	rw-r--r--
📄 30d0eeac4a6b2d98cdef50ef2edffa28.spc	38.41 KB	07/21/2020 08:32:16 AM	rwxrwxrwx
📄 30d5af6cd4c10ea02520bcaba31f3d1c.spc	474.22 KB	02/20/2020 06:35:59 AM	rw-r--r--
📄 3291222baa2e5dd4e0c4863cead17f0a.spc	366.46 KB	02/11/2020 10:51:02 AM	rwxrwxrwx
📄 346a1bcfe350fe2a1953cd7fbdc86186.spc	33.68 KB	02/11/2020 10:51:03 AM	rwxrwxrwx
📄 3691c57bc9ef4dc350ce3298a8291556.spc	34.69 KB	02/11/2020 10:51:02 AM	rwxrwxrwx
📄 38d3dc98ecc1c3d1c27452a54603959b.spc	30.38 KB	02/11/2020 10:51:02 AM	rwxrwxrwx
📄 3f7816c2aa3e261331a0214ae283daba.spc	36.88 KB	02/11/2020 10:51:03 AM	rwxrwxrwx
📄 3fabe39fe5de4def5db0b070e9d0c12e.spc	89.1 KB	02/11/2020 10:51:03 AM	rwxrwxrwx
📄 402e99fadf0b4cfb19572847e3765644.spc	31.17 KB	02/20/2020 06:35:54 AM	rw-r--r--
📄 403c286cb5177de3aee8ae96d600e668.spc	22.17 KB	02/11/2020 10:51:03 AM	rwxrwxrwx
📄 473e9ea85fa887bf730a58a3138e8427.spc	51.38 KB	02/11/2020 10:51:03 AM	rwxrwxrwx
📄 47481ffe1d8aa644664a3e0c5e57b911.spc	33.55 KB	02/11/2020 10:51:04 AM	rwxrwxrwx
📄 4b9b019425e46aa5699b25b164731ea6.spc	191 bytes	02/11/2020 10:51:04 AM	rwxrwxrwx
📄 4e8baeaef3679f9460ffdecddbb1f6a7.spc	38.47 KB	02/11/2020 10:51:04 AM	rwxrwxrwx
📄 4eb2ea2e7b4ee9f516345a8e766106ea.spc	41.31 KB	02/11/2020 10:51:04 AM	rwxrwxrwx
📄 4eb3be40ca0ee332f013def0ede20b51.spc	57.32 KB	02/11/2020 10:51:04 AM	rwxrwxrwx
📄 4eea197c2a9df7be5770ed85a45166af.spc	32.13 KB	02/11/2020 10:51:04 AM	rwxrwxrwx
📄 50df6b48e1a1b469b4fa9e86fc0c5018.spc	33.52 KB	02/11/2020 10:51:05 AM	rwxrwxrwx
📄 51447ae67b6d856982df0ea0496cf24b.spc	27.75 KB	02/11/2020 10:51:05 AM	rwxrwxrwx
📄 52598486d45e22d0c8e6d2cb26125d0e.spc	185 bytes	02/11/2020 10:51:05 AM	rwxrwxrwx
📄 52db6769e7a09162da92fb931530d490.spc	251 bytes	02/11/2020 10:51:05 AM	rwxrwxrwx
📄 557bca13c9bf58c561d365f34528cf99.spc	660.96 KB	02/11/2020 10:51:10 AM	rwxrwxrwx
📄 569a7c623553d15856943f80ff0d9ef0.spc	38.82 KB	02/11/2020 10:51:05 AM	rwxrwxrwx
📄 588359e68ff59d4ef53aaf3edb6a44cf.spc	5.91 KB	03/29/2020 11:25:33 AM	rw-r--r--
📄 593ed9fb92861195f982096e36a276a5.spc	78.73 KB	02/11/2020 10:51:08 AM	rwxrwxrwx
📄 59b7e8b10798f98d6ede55dc16d36abd.spc	286.35 KB	02/11/2020 10:51:10 AM	rwxrwxrwx
📄 5b48fed85f692b870a2e1c54eb110eea.spc	92.95 KB	02/27/2020 05:27:34 PM	rw-r--r--
📄 5b894986f9f55d997ed60e84c8fb60c7.spc	32.87 KB	02/11/2020 10:51:10 AM	rwxrwxrwx
📄 5c46aa1f7a9fbddb1de61f99e41c4c73.spc	27.51 KB	02/11/2020 10:51:10 AM	rwxrwxrwx
📄 5c541078070a50b4ef826d433fcade97.spc	203 bytes	02/27/2020 05:27:37 PM	rw-r--r--
📄 5c744a4198beb7326dcf101f961486b4.spc	56.9 KB	08/20/2020 06:22:11 AM	rw-r--r--
📄 5ef8b2cef4776b3e3f9f79092ce932ca.spc	123.2 KB	03/12/2020 06:21:29 AM	rw-r--r--
📄 60bc545cda9dafe75484b88be1dd4ae9.spc	62.66 KB	03/12/2020 06:21:27 AM	rw-r--r--
📄 60cdba7804abf8b71744dac57a1fd036.spc	37.57 KB	02/11/2020 10:51:12 AM	rwxrwxrwx
📄 6270f865db79068a5dedb78ba877e7a0.spc	32.31 KB	04/10/2020 11:49:32 AM	rw-r--r--
📄 64e0619d4a6fcecb77cd4fa41dd6658c.spc	43.69 KB	02/20/2020 07:08:27 AM	rw-r--r--
📄 66267a4d6dba7887fc7d4a1aa2da9b75.spc	124.15 KB	03/12/2020 06:21:28 AM	rw-r--r--
📄 6b370910388637897c5bc54c01bf6458.spc	39.47 KB	02/11/2020 10:51:12 AM	rwxrwxrwx
📄 6cedd2c7609f97e8201f50ac95407eb3.spc	373.91 KB	02/14/2020 05:05:41 AM	rw-r--r--
📄 6f3a7e432f89d87825c8f322156d359e.spc	105 KB	02/11/2020 10:51:14 AM	rwxrwxrwx
📄 6fb29d2636fbee8586653a44de845c14.spc	36.78 KB	02/11/2020 10:51:15 AM	rwxrwxrwx
📄 73bb6c1505db5ddb104f30c60b108890.spc	41.35 KB	02/11/2020 10:51:15 AM	rwxrwxrwx
📄 75223b5917c4f5312a6c6a8aecd9f9e6.spc	50.85 KB	02/11/2020 10:51:15 AM	rwxrwxrwx
📄 77ff73ee1cbbb4a6cb4bb52bbfd0543c.spc	94.22 KB	02/11/2020 10:51:15 AM	rwxrwxrwx
📄 7947ab9dba76b764cad321483ebe03c4.spc	26.63 KB	02/11/2020 10:51:16 AM	rwxrwxrwx
📄 7c2f1bde8d6c3ddb510b8089c44af91e.spc	43.81 KB	02/11/2020 10:51:16 AM	rwxrwxrwx
📄 7d1ab5c52f2c3ab33c409e73bedecc5e.spc	3.86 KB	02/11/2020 10:51:16 AM	rwxrwxrwx
📄 7f39e24ab9c263578364ff0fcde11837.spc	168.82 KB	02/11/2020 10:51:17 AM	rwxrwxrwx
📄 7fb89d7009fbbd9a5c1c2dcac2e055af.spc	2.12 MB	02/11/2020 10:51:32 AM	rwxrwxrwx
📄 80d5eace46cca553f0c7e7a631ed6703.spc	122.15 KB	03/12/2020 06:21:29 AM	rw-r--r--
📄 8464ad04f90f3f666985ad6a300191a2.spc	183.31 KB	02/11/2020 10:51:21 AM	rwxrwxrwx
📄 87bb9147a3420bb80136500148ef65dd.spc	373.91 KB	02/14/2020 05:06:32 AM	rw-r--r--
📄 89342927fe6500da4a2cd74e4c24cd84.spc	63.45 KB	02/11/2020 10:51:24 AM	rwxrwxrwx
📄 8bbfe139e67e5f738b9ffcb18a7c5b86.spc	92.25 KB	02/11/2020 10:51:26 AM	rwxrwxrwx
📄 8ddc5ee335658bf8ec6b8844cf85c93f.spc	38.21 KB	02/11/2020 10:51:26 AM	rwxrwxrwx
📄 8e912fe5f85715a1da6db5b96e9f1c91.spc	39.3 KB	02/11/2020 10:51:27 AM	rwxrwxrwx
📄 8edc68ba045edb463abe484c4485b3c1.spc	299 KB	02/11/2020 10:51:29 AM	rwxrwxrwx
📄 906b5d59de170e528244744b925a8af5.spc	32.01 KB	03/12/2020 06:21:25 AM	rw-r--r--
📄 925665a1ef421d5783a6690aaf7df881.spc	8.67 KB	02/11/2020 10:51:30 AM	rwxrwxrwx
📄 92c4233c5ea49b0f47ba9af6486e17f6.spc	30.9 KB	02/14/2020 10:55:56 AM	rw-r--r--
📄 93e4fd43857be9fead41ffa09315517f.spc	34.1 KB	02/11/2020 10:51:32 AM	rwxrwxrwx
📄 94b8ccc457e138e62b74ac96766909fe.spc	43.13 KB	02/11/2020 10:51:32 AM	rwxrwxrwx
📄 96c4f97f5353d399aeef3f49fcc0bd5a.spc	57.89 KB	02/11/2020 10:51:32 AM	rwxrwxrwx
📄 99e1eb580536f979670980ef56caa779.spc	87.52 KB	02/11/2020 10:51:33 AM	rwxrwxrwx
📄 9b4ca5bfc6880bed7985069758de6a4f.spc	38.89 KB	02/11/2020 10:51:33 AM	rwxrwxrwx
📄 Base.php	3.35 KB	02/11/2020 10:51:42 AM	rwxrwxrwx
📄 DB.php	4.6 KB	02/11/2020 10:51:53 AM	rwxrwxrwx
📄 File.php	4.19 KB	02/11/2020 10:52:02 AM	rwxrwxrwx
📄 Memcache.php	4.81 KB	02/11/2020 10:52:02 AM	rwxrwxrwx
📄 Memcached.php	5.27 KB	02/11/2020 10:52:02 AM	rwxrwxrwx
📄 MySQL.php	12.67 KB	02/11/2020 10:52:02 AM	rwxrwxrwx
📄 Redis.php	3.77 KB	02/11/2020 10:52:02 AM	rwxrwxrwx
📄 a3f94d98665e5d26445aa2956b13985d.spc	138.35 KB	03/29/2020 01:13:19 PM	rw-r--r--
📄 a40a776457ebfa5dcaef5c99f859250c.spc	126.09 KB	02/11/2020 10:51:33 AM	rwxrwxrwx
📄 a4a2ea47955d1ebd2b59a41a045b89ba.spc	86.78 KB	07/20/2020 05:27:37 AM	rwxrwxrwx
📄 a68acd2dce64f10ba3d23b96452cbd57.spc	53.71 KB	02/11/2020 10:51:34 AM	rwxrwxrwx
📄 a989cfbb4ebcd4ea5aede2f8d18f6b80.spc	114.06 KB	03/29/2020 01:13:18 PM	rw-r--r--
📄 aaf764fb46ef69a016d4d915512cedd4.spc	677.76 KB	02/11/2020 10:51:41 AM	rwxrwxrwx
📄 abea4df88cf62a5d9a03eb72a825b2f5.spc	23.09 KB	02/11/2020 10:51:36 AM	rwxrwxrwx
📄 abfe9571c106187db93288b1ea97357a.spc	28.61 KB	02/11/2020 10:51:36 AM	rwxrwxrwx
📄 ac468e6e3b78f7a8673a1be751be1226.spc	64.53 KB	02/11/2020 10:51:38 AM	rwxrwxrwx
📄 adb710891b75ea3e9d2379f0460c1d19.spc	65.91 KB	04/11/2020 06:44:20 AM	rw-r--r--
📄 adb7ca764a42bad01a0ccae2df09c2fa.spc	34.34 KB	03/29/2020 01:13:20 PM	rw-r--r--
📄 b1fc76c9199e2130438d81b6297c73fa.spc	124.12 KB	03/12/2020 06:21:29 AM	rw-r--r--
📄 b44b9e448df189cee8d7c7774273267b.spc	61.57 KB	08/22/2020 05:21:09 AM	rw-r--r--
📄 b5b9fb6ba1e724416126f7788d4bd8b7.spc	19.39 KB	02/11/2020 10:51:42 AM	rwxrwxrwx
📄 b95f1bb33446efbc7fa195b29ff261c6.spc	27.65 KB	02/11/2020 10:51:42 AM	rwxrwxrwx
📄 babee465717bca2404982e2751c61c53.spc	176 bytes	02/11/2020 10:51:42 AM	rwxrwxrwx
📄 bd3c5c1472767419fe12061049343483.spc	122.93 KB	03/12/2020 06:21:29 AM	rw-r--r--
📄 beb279d0ed1b28135d1331bbeb778b85.spc	39.34 KB	03/12/2020 06:21:27 AM	rw-r--r--
📄 c033b35e93579cf666101f023d034851.spc	108.48 KB	02/20/2020 06:35:51 AM	rw-r--r--
📄 c168527cd70d44755d5e3dc302cff303.spc	71.23 KB	02/11/2020 10:51:44 AM	rwxrwxrwx
📄 c31156c2178130a5e98ebbb8b2f61319.spc	32.33 KB	03/12/2020 06:21:25 AM	rw-r--r--
📄 c36e33d44db45f66ded3082899946005.spc	38.34 KB	02/11/2020 10:51:45 AM	rwxrwxrwx
📄 c3ae4c4faa1570ab007529b2461aed7c.spc	70.81 KB	02/11/2020 10:51:46 AM	rwxrwxrwx
📄 c49105af5fef08449f157af0549bf58b.spc	22.82 KB	03/12/2020 06:21:26 AM	rw-r--r--
📄 c62b9f08975a3ce69acf5001c1be6fc0.spc	828.2 KB	02/11/2020 10:51:51 AM	rwxrwxrwx
📄 c70815c1694d1b436d240d9290d75605.spc	139.88 KB	02/27/2020 05:27:37 PM	rw-r--r--
📄 c96754afef1f81a69a0494827bfa975c.spc	61.67 KB	02/11/2020 10:52:51 AM	rw-r--r--
📄 c97a7600c7331a10d8231324118b3a67.spc	19.75 KB	02/11/2020 10:51:48 AM	rwxrwxrwx
📄 cc6545fb14fe412555c86b6880afe2fb.spc	192 bytes	07/19/2020 12:01:09 PM	rwxrwxrwx
📄 cdb828b9de2723669f8b1a1352709ee2.spc	387.08 KB	02/27/2020 05:27:35 PM	rw-r--r--
📄 cfba70f3409c5425ded2d8430338d49a.spc	52.97 KB	02/11/2020 10:51:52 AM	rwxrwxrwx
📄 d537e9e237a12ec958fea41eced57151.spc	186 bytes	02/11/2020 10:51:52 AM	rwxrwxrwx
📄 d7881a7f1d63da45f197c9a2e16999e4.spc	16.18 KB	02/11/2020 10:51:52 AM	rwxrwxrwx
📄 d8c5aac1146a5e6b3c91488029d275be.spc	27.99 KB	02/11/2020 10:51:52 AM	rwxrwxrwx
📄 d8eefb559112e58cb4dab21367a186e2.spc	228.32 KB	02/11/2020 10:51:53 AM	rwxrwxrwx
📄 d9db250644ba2877f115f509ace5a7b5.spc	28.08 KB	02/11/2020 10:51:53 AM	rwxrwxrwx
📄 dc319385e4015b85de4c0dee8d535f8f.spc	37.1 KB	02/11/2020 10:51:53 AM	rwxrwxrwx
📄 dc7b0425002a35c26a812e42646cc5af.spc	111 KB	03/12/2020 06:21:28 AM	rw-r--r--
📄 debf9c17532a02a6e6db578a7f3a4646.spc	142.69 KB	02/11/2020 10:51:54 AM	rwxrwxrwx
📄 defbb59ea45d623ea1c51ac8743c90ea.spc	165 bytes	02/11/2020 10:51:54 AM	rwxrwxrwx
📄 df45183a85d0f0324d9f35c8c667f311.spc	124.89 KB	03/12/2020 06:21:28 AM	rw-r--r--
📄 e095b95df0ddae888ac7f451f20129bc.spc	38.71 KB	07/21/2020 08:32:17 AM	rwxrwxrwx
📄 e2003b6fa97074e2942822467b17062e.spc	26.48 KB	02/11/2020 10:51:55 AM	rwxrwxrwx
📄 e2a37cd95187c01162d6f71089afe300.spc	50.54 KB	02/11/2020 10:51:55 AM	rwxrwxrwx
📄 e57f0a350e6688a01a91dda64cfa2101.spc	122.43 KB	02/11/2020 10:51:55 AM	rwxrwxrwx
📄 e5dae6ccace4ca4cc8216461dda29c74.spc	100.76 KB	02/11/2020 10:51:56 AM	rwxrwxrwx
📄 e76dbae7c8f284493808fa5931a959ea.spc	37.61 KB	02/11/2020 10:51:56 AM	rwxrwxrwx
📄 ea703f3e5c39f76615e5a8b975f794a2.spc	19.19 KB	02/11/2020 10:51:56 AM	rwxrwxrwx
📄 ea82db2f68568b4765fcf688d6c93116.spc	64.03 KB	02/11/2020 10:51:56 AM	rwxrwxrwx
📄 ead3210aad70aa054d53594c794ef5cb.spc	36.52 KB	02/11/2020 10:51:56 AM	rwxrwxrwx
📄 f104494ec9505a88f21eecf9104e7bd5.spc	43.49 KB	02/11/2020 10:51:57 AM	rwxrwxrwx
📄 f14af3dc82bb30bf0c3018917fa3a45a.spc	23.14 KB	02/11/2020 10:51:57 AM	rwxrwxrwx
📄 f2e6e96f252853f6483f6c9c725f0ee2.spc	78.09 KB	02/11/2020 10:51:57 AM	rwxrwxrwx
📄 f34923678798ad8b6c06d24190cb88cd.spc	329.67 KB	02/11/2020 10:51:59 AM	rwxrwxrwx
📄 f5306b0dbdad73410aada80dbc3392d4.spc	2.43 KB	02/11/2020 10:51:59 AM	rwxrwxrwx
📄 f74498a86970a084e5ca639447042aa3.spc	85.09 KB	02/11/2020 10:52:00 AM	rwxrwxrwx
📄 f7d657440800849c7fcaeb682984c7e6.spc	30.41 KB	03/24/2020 05:47:43 AM	rw-r--r--
📄 f9cf779dc17343f7a142ab34fefeb6eb.spc	428.03 KB	07/14/2020 10:43:54 AM	rwxrwxrwx
📄 fbc57cfd03bf1e4ef525660536f2fc4c.spc	18.92 KB	02/11/2020 10:52:01 AM	rwxrwxrwx
📄 fbe8c695ab40ed6d8e54c74cfd8720fe.spc	38.5 KB	02/11/2020 10:52:01 AM	rwxrwxrwx
📄 fcf7bfc598a8e90673a28eed5eb8247c.spc	67.72 KB	03/29/2020 11:29:51 AM	rw-r--r--
📄 fd653df8381ec085d867b89d482aed73.spc	63.39 KB	03/12/2020 06:21:26 AM	rw-r--r--
📄 fe2860db6cccfc29356a9613564f0ce6.spc	37.76 KB	02/11/2020 10:52:01 AM	rwxrwxrwx
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Editing: c96754afef1f81a69a0494827bfa975c.spc

a:4:{s:5:"child";a:1:{s:0:"";a:1:{s:3:"rss";a:1:{i:0;a:6:{s:4:"data";s:0:"";s:7:"attribs";a:1:{s:0:"";a:1:{s:7:"version";s:3:"2.0";}}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:1:{s:0:"";a:1:{s:7:"channel";a:1:{i:0;a:6:{s:4:"data";s:0:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:9:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:14:"Economic Times";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:36:"https://economictimes.indiatimes.com";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:76:"The Economic Times: Breaking news, views, reviews, cricket from across India";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:8:"language";a:1:{i:0;a:5:{s:4:"data";s:5:"en-gb";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:9:"copyright";a:1:{i:0;a:5:{s:4:"data";s:137:"Copyright:(C)Tue 11 Feb 2020, 16:07:352020Tue 11 Feb 2020, 16:07:35 Bennett Coleman & Co. Ltd,  http://info.indiatimes.com/terms/tou.html";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"docs";a:1:{i:0;a:5:{s:4:"data";s:24:"http://timescontent.com/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:5:"image";a:1:{i:0;a:6:{s:4:"data";s:0:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:1:{s:0:"";a:3:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:27:"Indiatimes - Economic Times";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:3:"url";a:1:{i:0;a:5:{s:4:"data";s:37:"https://img.etimg.com/photo/86986.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:36:"https://economictimes.indiatimes.com";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}}s:13:"lastBuildDate";a:1:{i:0;a:5:{s:4:"data";s:25:"2020-02-11T16:07:35+05:30";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"item";a:13:{i:0;a:6:{s:4:"data";s:0:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:1:{s:0:"";a:6:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:55:"The incomes that will not be taxed under the new regime";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:9807:"An individual taxpayer opting for the new tax regime would have to forgo 70 tax exemptions and deductions. These include deductions under: section 80C for a maximum of Rs 1.5 lakh claimed by investing in specified financial products, section 80D for health insurance premiums paid, 80TTA for deduction on savings account interest earned from a bank or post office etc.However, there are certain tax-exemptions that have been left unchanged in the Finance Bill, 2020. Here is the list of incomes that are exempted from income tax under the new tax regime proposed in Budget 2020:Interest received on post office savings account balancesThe interest received on post office savings account balance is exempted under section 10(15)(i) of the Income-tax Act up to a certain limit. Interest received from post office savings account was exempted from tax via a notification dated June 3, 2011 for up to Rs 3,500 in case of individual accounts and Rs 7,000 in case of joint accounts per financial year. Chartered Accountant, Naveen Wadhwa says, "In the optional new tax structure, individual will not be able to avail deduction under section 80TTA, i.e., deduction on interest received from savings account held with bank and post office. However, taxpayers having post office savings account can still avail exemption on post office savings account interest up to the specified extent."The exemption on post office savings account can be availed before arriving at the final figure of gross taxable income. Wadhwa says, "To avail this exemption, a taxpayer would be required to deduct the interest received from post office savings account (as per the savings account held by them) from income under the head other sources before arriving at his/her gross taxable income."Gratuity received from your employerIf you receive gratuity from your employer, then the amount received by you will be exempt from tax as per specified limits. An employee is eligible to receive gratuity if he/she has worked for more than five years in an organisation.According to income tax laws, gratuity is tax-exempt up to Rs 20 lakh in a lifetime for non-government employees. For government employees, all gratuity received is tax-exempt, irrespective of the amount received by them."In FY 2020-21, if an individual receives gratuity, then maximum tax-exempt gratuity will be Rs 20 lakh in his/her lifetime for non-government employees. Gratuity received due to death of an employee will remain tax-exempt in the new tax structure as well without any maximum limit," says Wadhwa.Also Read: How to calculate gratuityAmount received on maturity of life insuranceThe tax benefit on paying life insurance premiums to lower the tax liability under section 80C is not available in the new income tax slab structure. "However, maturity proceeds received from a life insurance company continues to be exempted from tax under section 10(10D) in the new tax regime," says Wadhwa.Employer's contribution to your EPF/NPS account As per the Budget proposals, from FY 2020-21, contributions made by the employer to the employee's EPF, NPS and/or superannuation account will be exempted from tax provided the annual contribution to all the accounts (with reference to employee) does not exceed Rs 7.5 lakh in a financial year.According to current income tax laws, an employer can contribute an amount equal to 12 percent of the employee's basic monthly salary to his/her EPF account. Similarly, an employer can contribute an amount equal to 10 per cent of the employee's basic salary to the Tier-I account of NPS. In a superannuation account, an employer can contribute maximum of Rs 1.5 lakh exempted from tax in a financial year.Wadhwa says, "The budget has proposed to restrict the tax-exempt superannuation, NPS and EPF account contribution by the employer to maximum of Rs 7.5 lakh in a financial year. Further, the budget proposal states that any interest or gains earned from the excess contribution will also be taxable in the hands of an employee."The restriction on the amount of contribution to EPF and NPS account which will be tax-exempt is likely to impact those employees whose basic salary is more than Rs 60 lakh in year. To explain this with an example, for someone earning Rs 80 lakh per annum as basic salary will cross the threshold level of Rs 7.5 lakh towards NPS contribution.Interest received up to 9.5 percent per annum from EPFThe interest received from EPF account continues to be exempted from tax in the new tax regime as well, provided it does not exceed 9.5 per cent.Interest and maturity amount received from PPFUnder the new tax regime, an individual cannot avail tax benefit under section 80C on the contribution made to his/her PPF account. However, any interest accrued or maturity amount received from the PPF account continues to be tax-exempt in the new tax structure as well.Wadhwa says, "A taxpayer opting for new tax regime is not required to pay any tax on the interest accrued in the PPF account. Further, any maturity amount received from the PPF account will be exempted from tax in the new tax regime." Interest and payment received from Sukanya Samriddhi YojanaIndividuals investing in Sukanya Samriddhi Yojana for their girl child will continue to receive tax-exempted interest in the account under the new tax regime. Further, the payment proceeds received from the scheme's account will remain exempted from tax. However, investment under this scheme will not be available for tax-break under section 80C under the new tax regime.Wadhwa says, "The tax treatment of interest received and maturity amount from Sukanya Samriddhi Account is similar to PPF account."Payment received from NPS accountThe lump sum amount received at the time of maturity of one's NPS account will remain tax-free in the new tax regime as well.According to tax rules, maximum of 60 percent of the accumulated corpus can be withdrawn tax-free from the Tier- I NPS account on maturity. The remaining 40 percent of the accumulated corpus has to be mandatorily used for buying annuity plans on maturity of NPS account.Further, any partial withdrawal made from the Tier-I NPS account continues to remain tax-exempt in the new tax regime. According to current income tax laws, an individual can withdraw maximum of 25 percent of his own contribution from the NPS account which is exempted from tax.Wadhwa says, "The proposed tax regime does not offer any tax benefit to employee's own contribution to the NPS account, however, deduction under section 80CCD (2) can be claimed for contribution made by the employer to employee's account. Further, payment received from NPS account at the time of closure or partial withdrawal (up to a specified limit) will remain tax-exempt in the new regime."In the existing/old tax regime, an employee can get tax-break of Rs 1.5 lakh under section 80CCD (1) and an additional Rs 50,000 under section 80CCD (1B) on his/her self-contribution to the NPS account. The contribution to Tier-I NPS account maximum of Rs 1.5 lakh comes under the overall limit of section 80C.Gift from employerThough various tax exemptions and deductions received from the employer have been removed under the new tax regime, no changes have been made in the taxation of gift received from an employer. Wadhwa says, "Gift received from employer for up to Rs 5,000 remains exempted from tax under both - new and existing regime."Food couponsThe explanatory memorandum to the budget document states: "It is also proposed to amend rule 3 of the Rules subsequently, so as to remove exemption in respect of free food and beverage through vouchers provided to the employee, being the person exercising option under the proposed section, by the employer."Abhishek Soni, CEO & founder, Tax2win.in says, "Though Finance bill has not mentioned any amendment in this regard, however, it is expected that rules regarding taxation of food coupon received from an employer will be revised and such benefit will not be available in the new tax regime. This would mean that if an employee is having such food coupons in his/her salary structure and claiming tax benefit on this will not be eligible to opt for new tax regime." However, as currently there are no amendments regarding food coupons in the Finance Bill, therefore Wadhwa says, "Employees receiving food coupons from their employers will remain tax-exempt to an extent of Rs 50 per meal for 2 meals a day under the proposed tax regime."It appears that some clarification is needed on this matter from the government.Commutation of pensionCommutation of pension refers to receiving part of pension as lump sum payment in lieu of future periodic payments. Wadhwa says, "For non-government employees, one-third of the commuted pension received is exempted from tax under the current income tax laws, if gratuity is received. However, if an employee has not received gratuity, then half of the commuted pension received will be exempted from tax. Even if the taxpayer opts for the new regime, the taxation of commuted pension remains the same."Leave encashment on retirementAt the time of retirement, many companies offer payment in lieu of leaves that are not taken. Wadhwa says, "Leave encashment received by non-government employees is exempt from tax up to Rs 3 lakh. If the employee has opted for the new tax regime, then leave encashment received at the time of retirement will continue to remain tax-exempt in the new tax regime."VRS amountMonetary benefit received at the time of taking voluntary retirement is exempted from tax under the new regime. Wadhwa says, "Monetary benefit received by an employee due to opting for voluntary retirement scheme from his employer will remain exempt from tax for maximum up to Rs 5 lakh in both - new and existing tax regime."";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:132:"https://economictimes.indiatimes.com/wealth/tax/incomes-that-are-exempted-under-the-proposed-new-tax-regime/articleshow/74074285.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:5:"image";a:1:{i:0;a:5:{s:4:"data";s:139:"https://img.etimg.com/thumb/width-310,imgsize-265471,resizemode-4,msid-74074285/the-incomes-that-will-not-be-taxed-under-the-new-regime.jpg";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:132:"https://economictimes.indiatimes.com/wealth/tax/incomes-that-are-exempted-under-the-proposed-new-tax-regime/articleshow/74074285.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:25:"2020-02-11T09:30:55+05:30";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:1;a:6:{s:4:"data";s:0:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:1:{s:0:"";a:6:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:52:"Live: It&#039;s a hattrick! AAP takes Delhi by storm";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:0:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:151:"https://economictimes.indiatimes.com/news/elections/assembly-elections/delhi/delhi-election-result-2020-live-updates-aap-bjp-news/liveblog/74072898.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:5:"image";a:1:{i:0;a:5:{s:4:"data";s:128:"https://img.etimg.com/thumb/width-310,imgsize-223717,resizemode-4,msid-74073708/live-its-a-hattrick-aap-takes-delhi-by-storm.jpg";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:151:"https://economictimes.indiatimes.com/news/elections/assembly-elections/delhi/delhi-election-result-2020-live-updates-aap-bjp-news/liveblog/74072898.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:25:"2020-02-11T08:13:03+05:30";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:2;a:6:{s:4:"data";s:0:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:1:{s:0:"";a:6:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:43:"FM rebuffs critics, catalogues green shoots";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:3467:"Finance Minister Nirmala Sitharaman on Tuesday said the economy is not in trouble and green shoots are visible with the country moving towards a USD 5 trillion economy. Listing initiatives taken by the government, she said, increasing Foreign Direct Investment (FDI), rise in factory output and over Rs 1 lakh crore GST collection in the past three months are indications of green shoots in the economy."There are seven important indicators which show that there are green shoots in the economy...economy is not in trouble," she said while replying to a debate on the Union Budget in Lok Sabha.Referring to visible indicators of green shoots, the Finance Minister said the forex reserve is at an all time high and the stock market is upbeat."Global sentiment is in favour of India. Foreign investors continue to show confidence in India and that is why the country has attracted a net FDI of USD 24.4 billion in April-November 2019-20 as against USD 21.2 billion in the same period the previous year," she said.Net Foreign Portfolio Investment (FPI) in April-November 2019-20 was positive at USD 12.6 billion as against USD 8.7 billion in the same period last fiscal.She further said the gross GST (Goods and Services Tax) revenue collected in January 2020 grew at 12 per cent while in November 2019, it was 6 per cent."So there is a steady growth and therefore negative growth, which it showed in September and October, has been corrected and we are on a positive growth trajectory and this will obviously bring in greater and newer investments to the economy and it will also reduce the business cost," she addedThere are seven green shoots based on which the economy now very clearly moving forward, she added.The Finance Minister said the government's focus is on four engines of growth which include private investment, private consumption, public investment and exports.With regard to public investment, she said, the government in December announced a National Infrastructure Pipeline.It envisages investment of Rs 103 lakh crore for infrastructure development across the country in the next four years (till 2024-25), she said.To boost consumption, the government has increased the Minimum Support Price of all mandated Rabi and Kharif crops for 2019-20.The Minister also took a dig at Congress leader P Chidambaram while referring to the fiscal deficit numbers during the UPA regime.The fiscal deficit was higher "when the economy was managed by competent doctors," she quipped.Chidambaram on Monday said in the Rajya Sabha that the "economy was perilously close to collapse and was being attended by incompetent doctors."Sitharaman in Budget raised fiscal deficit target to 3.8 per cent of the GDP from 3.3 per cent pegged earlier for 2019 -20 due to revenue shortage.The government has used 'escape clause' under the Fiscal Responsibility and Budget Management (FRBM) Act which provides it leeway for relaxation of fiscal deficit roadmap during time of stress.Replying to the opposition charge of the government overshooting fiscal deficit target prescribed in Fiscal Responsibility and Budget Management (FRBM) Act, she said the Narendra Modi government has always respected FRBM Act every year and kept the discipline of FRBM Act.Referring to various initiatives to boost consumption, she said government has increased Minimum Support Price, introduced pension scheme for traders, lowered GST rates abolished Dividend Distribution Tax and corporate tax. ";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:131:"https://economictimes.indiatimes.com/news/economy/indicators/economy-not-in-trouble-green-shoots-visiblefm/articleshow/74079209.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:5:"image";a:1:{i:0;a:5:{s:4:"data";s:126:"https://img.etimg.com/thumb/width-310,imgsize-156566,resizemode-4,msid-74079209/fm-rebuffs-critics-catalogues-green-shoots.jpg";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:131:"https://economictimes.indiatimes.com/news/economy/indicators/economy-not-in-trouble-green-shoots-visiblefm/articleshow/74079209.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:25:"2020-02-11T13:43:39+05:30";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:3;a:6:{s:4:"data";s:0:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:1:{s:0:"";a:6:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:45:"Indian expat infected with coronavirus in UAE";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:985:"DUBAI: Authorities in the United Arab Emirates (UAE) have confirmed that an Indian expat has been diagnosed with the novel coronavirus, taking the total number of cases in the country to eight.In a statement on Monday, the UAE's Ministry of Health and Prevention said the Indian national was infected after he interacted with a recently diagnosed person, reports the Gulf News.Of the eight cases, one is in intensive care, while six others were stable and one has already recovered, the Ministry added.In India, three cases have been confirmed as of now.In China, where the outbreak's origin is linked to a fish market in Wuhan, Hubei province, the country's National Health Commission on Tuesday raised the number of deaths to 1,016 and the number of infected people to 42,638.To date, all but two deaths - in the Philippines and Hong Kong - have occurred in mainland China and, although about 20 countries have identified cases.China accounts for about 99 per cent of those infected.";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:132:"https://economictimes.indiatimes.com/news/politics-and-nation/indian-expat-infected-with-coronavirus-in-uae/articleshow/74077983.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:5:"image";a:1:{i:0;a:5:{s:4:"data";s:129:"https://img.etimg.com/thumb/width-310,imgsize-788150,resizemode-4,msid-74077983/indian-expat-infected-with-coronavirus-in-uae.jpg";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:132:"https://economictimes.indiatimes.com/news/politics-and-nation/indian-expat-infected-with-coronavirus-in-uae/articleshow/74077983.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:25:"2020-02-11T12:38:24+05:30";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:4;a:6:{s:4:"data";s:0:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:1:{s:0:"";a:6:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:64:"Office realty leasing rises 30%, on track to beat last year high";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:3467:"Mumbai: Robust demand for office spaces has pushed commercial property leasing in the first three quarters of 2019 by 30% from a year ago, taking it closer to entire 2018’s performance and making sure that this year surpasses the peak touched last year.Driven by tech corporates — accounting for about a third of the leasing activity — office space take-up touched 47 million sq ft in the first nine months against entire 2018’s performance of 48.9 million sq ft, showed data from CBRE South Asia. With this, office leasing activity is now expected to touch its highest level ever, estimated to be over 60 million sq ft in 2019.Leasing activity stood at about 15.4 million sq ft during the quarter ended September, rising by nearly 23% on an annual basis. This was dominated by small- to medium-sized transactions. Small-sized transactions of less than 10,000 sq ft accounted for over 40% of the transaction activity in the quarter.
  
  
  
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“With office leasing scaling a historic high in 2019, we expect further strengthening of occupier sentiment in the medium to long term, backed by corporates looking to expand or consolidate their operations. Favourable government initiatives, transparency in the real estate sector and the right reforms will improve investor sentiment greatly in the coming quarters,” said Anshuman Magazine, CEO, India, South-east Asia, Middle East and Africa, CBRE.Like last year, he expects occupiers would put in greater efforts to incorporate flexibility in their portfolios due to changes in the business environment. Occupiers continued to futureproof their portfolios and hedge against future rental escalations by pre-leasing space across various cities.Bengaluru, followed by Hyderabad, dominated large-sized deal closures, while a few large deals were also reported in the NCR and Pune as well. Large-scale deal closures were mostly dominated by tech firms and flexible space operators. Firms belonging to sectors such as research, consulting & analytics, banking, financial services & insurance (BFSI), and engineering & manufacturing also closed large-sized deals.Tech corporates led the office space take-up, followed by research, consulting & analytics companies (19%) and flexible space operators (15%). The rise in the share of flexible space operators (10% in the second quarter of 2019) was primarily a result of their continued expansion across almost all cities.“The share of the tech sector rose from 31% to 40% annually during 2019 year-to-date, which implies that a rise in technology alternatives, insourcing / job preservation in the US and a global slowdown have not had any specific impact on India’s position as a preferred outsourcing destination for both high-skilled and low-skilled tech services, research and development,” said Ram Chandnani, managing director, advisory & transaction services, India, CBRE South Asia.Supply addition rose by more than 80% in 2019 YTD on an annual basis, with about 43.5 million sq. ft. of development completions reported.Four cities — Hyderabad, Bengaluru, NCR and Mumbai — accounted for almost 80% of this supply addition.Compared to the first three quarters in 2018, the share of SEZs in supply dipped from 40% to 27% during 2019 YTD. Supply addition in the quarter also rose by about 6% on a quarterly basis, touching about 15 million sq. ft. More than 70% of this supply was driven by Hyderabad and NCR, followed by Bengaluru.";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:154:"https://economictimes.indiatimes.com/news/company/corporate-trends/office-realty-leasing-rises-30-on-track-to-beat-last-year-high/articleshow/71641557.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:5:"image";a:1:{i:0;a:5:{s:4:"data";s:146:"https://img.etimg.com/thumb/width-310,imgsize-149799,resizemode-4,msid-71641557/office-realty-leasing-rises-30-on-track-to-beat-last-year-high.jpg";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:154:"https://economictimes.indiatimes.com/news/company/corporate-trends/office-realty-leasing-rises-30-on-track-to-beat-last-year-high/articleshow/71641557.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:25:"2019-10-18T08:18:48+05:30";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:5;a:6:{s:4:"data";s:0:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:1:{s:0:"";a:6:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:56:"Developers may face liquidity crisis on NBFC woes: Fitch";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:4113:"MUMBAI: Liquidity risk is increasing for Indian-based real-estate developers, as non-bank financial institutions (NBFI; including housing finance companies) are shying away from lending to the sector, said Fitch Ratings.Developers that rely on refinancing from NBFIs, particularly those with weak financial profiles, will be affected the most should conditions persist. The availability of unencumbered assets among large developers may be of limited use, as NBFIs are looking to shed their already-high exposure to the sector, especially to large borrowers.NBFIs have disproportionately increased their share of real-estate sector credit in the previous few years, owing to heightened risk aversion by banks; banks have been cutting exposure due to their own funding challenges that began in late 2018, which have become more acute in the previous few months; domestic bank exposures fell to 2.3% of loans in the financial year ending March 2019 from 2.8% in 2015-16.NBFIs are now also shying away from refinancing maturing debt of even large, proven developers to limit concentration risk to the sector. This is pushing developers towards alternative funding channels, such as private equity. The availability of such funding could be more limited than the value of maturing debt and may only be available to established developers with sufficient unpledged assets. It would also come at a higher cost. We believe banks may still consider exposure to quality real estate, but overall exposure continues to decline.Developers that are focused on high-end projects may face higher risk, as sales of such projects have slowed in the last two years. We believe these developers would be wary of taking sharp price corrections on unsold inventory to boost sales, except in extreme circumstances, as this could diminish the value of unsold inventory and weaken collateral cover for existing lenders.In addition, any boost in sales would be temporary. Meanwhile, developers with substantial exposure to affordable housing may still benefit from marginal access to lenders in light of healthy pre-sales growth, supported by India's substantial housing deficit and government incentives for buyers via the credit-linked subsidy scheme as well as for developers, including tax deductions and grant of infrastructure status, which entitles companies to some benefits and concessions.The government has announced measures to improve NBFI-sector liquidity, but their efficacy remains to be seen. For example, we believe the government's July 2019 announcement to provide a first-loss guarantee of 10% on securitised assets issued by NBFIs to banks could ease funding pressure for NBFIs in the short term. However, the provision refers only to financially sound issuers and there is a lack of clarity about the duration of the guarantee and the definition of what comprises a 'financially sound' entity. In addition, most of the actions by the authorities to alleviate the liquidity squeeze will benefit the largest and least risky NBFIs and is unlikely to address the pressure on the more property focused players.Defaults by two NBFIs - Infrastructure Leasing & Financial Services Ltd (IL&FS) in September 2018 and Dewan Housing Finance Corporation Ltd (DHFL) in June 2019 - have contributed to the sector-wide liquidity squeeze, as investors have become more risk averse. Banks' low appetite for lending to real-estate developers is evidenced by the usually high risk weights attached to such loans. These are due to developers' typically low credit ratings amid high leverage, making exposure to the sector an inefficient use of banks' already-limited capital.Substantial bank recapitalisation to increase lending capacity could benefit NBFIs as well as real-estate developers, subject to the banks' risk appetite. Although a structural improvement in NBFI asset books would take time. Nonetheless, even under better conditions we expect NBFI's to tighten credit standards, with developers facing funding pressure until there is a broader improvement in their operations, with better end-user demand and pricing support. ";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:157:"https://economictimes.indiatimes.com/industry/services/property-/-cstruction/developers-may-face-liquidity-crisis-on-nbfc-woes-fitch/articleshow/70700244.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:5:"image";a:1:{i:0;a:5:{s:4:"data";s:139:"https://img.etimg.com/thumb/width-310,imgsize-144728,resizemode-4,msid-70700244/developers-may-face-liquidity-crisis-on-nbfc-woes-fitch.jpg";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:157:"https://economictimes.indiatimes.com/industry/services/property-/-cstruction/developers-may-face-liquidity-crisis-on-nbfc-woes-fitch/articleshow/70700244.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:25:"2019-08-16T15:59:50+05:30";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:6;a:6:{s:4:"data";s:0:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:1:{s:0:"";a:6:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:80:"Sales of electric two and three wheelers to see huge improvement by 2024: Crisil";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:1858:"NEW DELHI:  Around 43-48 per cent of new three wheelers and up to 17 per cent of the new two wheelers sold in the country by 2024 could be electric vehicles (EVs), a report by Crisil Research said.  In the four wheeler segment, however, the traction is expected to remain low with EV sales accounting for just 5 per cent of the new sales, it noted.  The study looked at demand, supply and policy growth drivers for EVs such as battery costs, government subsidy and charging infrastructure, besides conducting a segment-wise analysis of the cost of acquisition and operation of EVs compared with existing internal combustion engine (ICE) vehicles, Crisil Research said.  Faster adoption of two- and three-wheelers is a function of cost. Typically, electric scooters are cheaper to run compared with ICE scooters. And, e-autos are cheaper to both own and run compared with their ICE counterparts, it said.  "In the context, supply will also be a critical factor for adoption. The top five electric two-wheeler manufacturers are expected to increase their capacity for electric variants from 0.4 million units in fiscal 2020 to over 3 million units by fiscal 2024," Crisil Research Director Hetal Gandhi said.  In three-wheelers, even incumbent original equipment manufacturers are launching e-autos at a rapid pace, she added.  At the other end, sales of personal electric cars will remain in the slow lane due to high acquisition and ownership costs in the absence of demand incentives, Crisil said.  The number of cab aggregators though will increase as there will be a better operational economies and subsidies, it added. "  "In the commercial vehicles space, subsidies to state transport undertakings will drive sales of electric buses for intra-city operations. That said, poor public charging infrastructure will impact adoption," Crisil Research added.";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:165:"https://economictimes.indiatimes.com/industry/auto/auto-news/sales-of-electric-two-and-three-wheelers-to-see-huge-improvement-by-2024-crisil/articleshow/74081780.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:5:"image";a:1:{i:0;a:5:{s:4:"data";s:162:"https://img.etimg.com/thumb/width-310,imgsize-87776,resizemode-4,msid-74081780/sales-of-electric-two-and-three-wheelers-to-see-huge-improvement-by-2024-crisil.jpg";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:165:"https://economictimes.indiatimes.com/industry/auto/auto-news/sales-of-electric-two-and-three-wheelers-to-see-huge-improvement-by-2024-crisil/articleshow/74081780.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:25:"2020-02-11T15:58:02+05:30";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:7;a:6:{s:4:"data";s:0:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:1:{s:0:"";a:6:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:68:"Coal India will exceed last year&#039;s production figures: Official";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:2035:"HYDERABAD: Despite coal production being hampered at Dipka mines due to prolonged rains, Coal India Ltd will exceed last year's production figures, a top coal ministry official said here on Tuesday.In 2018-19, Coal India produced 606.89 million tonnes (MT),while dispatch was at 608.14 MT."Coal India's production was nearly minus 8 per cent till October. So in the last few months the coal production has caught up. Now it has just minus 3.5 percent.And it will go on to be plus at the end of the year. It is going to be healthy percentage over last year's (figures)," Secretary of Coal Ministry, Anil Kumar Jain told PTI on the sidelines of Energise 2020 a biennial conclave.CIL, which accounts for over 80 per cent of the domestic production, saw its output decline by six per cent to 241 MT in April-September on account of monsoon."In fact it would be the highest ever in the country," Jain added.Replying to a query on the spinning of Coal India Ltd subsidiaries into five entities, Jain said though there were some discussions held earlier in that direction, there is no fresh development."At the moment that is the decision (Coal India remains as it is)," he said.On the overall coal scenario in the country, the official said the production this year will exceed that of last year, though there was some impact due to rains, by the end of the current fiscal it will be covered up."So we will be exceeding the last year production numbers with a healthy surplus. There has been a setback because one of the largest mines and the largest mine in Asia Deepika that has been flooded.So that has impacted the production. But the coal scenario is very healthy in the country. Stocks at the power plants and mines are much higher than the same period last year," he explained.In September, a non-perennial, seasonal river Lilagarh breached its embankment and flooded the lower benches of Dipka opencast mine of SECL (South Eastern Coalfields), one of the largest open cast mines of CIL with a production capacity of 35 MT per annum. ";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:161:"https://economictimes.indiatimes.com/industry/indl-goods/svs/metals-mining/coal-india-will-exceed-last-years-production-figures-official/articleshow/74081776.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:5:"image";a:1:{i:0;a:5:{s:4:"data";s:145:"https://img.etimg.com/thumb/width-310,imgsize-169549,resizemode-4,msid-74081776/coal-india-will-exceed-last-years-production-figures-official.jpg";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:161:"https://economictimes.indiatimes.com/industry/indl-goods/svs/metals-mining/coal-india-will-exceed-last-years-production-figures-official/articleshow/74081776.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:25:"2020-02-11T16:01:22+05:30";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:8;a:6:{s:4:"data";s:0:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:1:{s:0:"";a:6:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:64:"Ray Dalio says market impact of coronavirus is ‘exaggerated’";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:1806:"By Nicolas ParasieRay Dalio says the impact of the coronavirus outbreak on markets has been exaggerated and is likely to be short lived.Investor concerns over the pandemic “probably had a bit of an exaggerated effect on the pricing of assets because of the temporary nature of that, so I would expect more of a rebound,” Dalio, the billionaire founder of Bridgewater Associates, said at a conference in Abu Dhabi on Tuesday. “It most likely will be something that in another year or two will be well beyond what everyone will be talking about.”As manager of the world’s biggest hedge fund, Dalio should know what he’s talking about. Bridgewater has made $58.5 billion for its clients since its beginning in 1975, the most by any hedge fund, according to estimates by LCH Investments, although last year its main fund suffered its first loss since 2000.Global equities have been in turmoil amid fears about the spread of the deadly coronavirus. The death toll from the outbreak has climbed above 1,000 as the Chinese province at the epicenter of the outbreak reported its highest number of fatalities. Still, US and European stock futures climbed with Asian equities as investors looked past the likely economic impact of the coronavirus to push a gauge of global stocks close to reclaiming a record high.Dalio said investors should instead focus on issues such as wealth and political gaps, the emergence of China -- and what that means for the competitive landscape -- technology and the environment.“Each one will interact,” he said. “What concerns me most if you did have a downturn -- we are now 11 years in expansion -- whether that’s one, two, three years forward, with the larger polarity that exists, the wealth gap and the political gap I would be more concerned about that.”";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:140:"https://economictimes.indiatimes.com/markets/stocks/news/ray-dalio-says-market-impact-of-coronavirus-is-exaggerated/articleshow/74079452.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:5:"image";a:1:{i:0;a:5:{s:4:"data";s:142:"https://img.etimg.com/thumb/width-310,imgsize-124731,resizemode-4,msid-74079452/ray-dalio-says-market-impact-of-coronavirus-is-exaggerated.jpg";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:140:"https://economictimes.indiatimes.com/markets/stocks/news/ray-dalio-says-market-impact-of-coronavirus-is-exaggerated/articleshow/74079452.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:25:"2020-02-11T14:02:30+05:30";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:9;a:6:{s:4:"data";s:0:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:1:{s:0:"";a:6:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:65:"What could be the wealth creators of next decade? Here’s a clue";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:6875:"Currently financials, which include banks and NBFCs, account for nearly 40 per cent weightage on the Nifty and historically when a sector reaches to 35 per cent to 40 per cent weightage of the Nifty it always coincides with the market peak. Exactly 10 years ago, financials were the sub 30 per cent weightage on the Nifty. Are you worried about this mega concentration which has happened in 1-2 NBFCs and 3-4 private banks?The thing is that even within financials, we have noticed that a lot of new sectors are getting listed. You have insurance getting listed and all the three companies are large companies. Now LIC will get listed in the next 12 months. The AMCs have got listed, SFBs have got listed and hence, the list has actually become very wide.Now if you include all of this in the financials I have my own doubts whether the weightage of this segment will come down. Also if you look at why investors are actually piling on to some of these names, the reality is that the broader economy is slowing down, there is no clarity in terms of how consumption will pan out, how investment cycle is going to pick up and even consumption is actually concentrated in a few areas; so the choice for the investors has become very narrow.I will talk about three overarching themes that we are seeing in investment and how it plays into the issue of the weightage of financials as well. One is that globally ESG has become a big issue. In fact, in a poll that I did in Hong Kong, some 85 per cent of the 36 investors said they cannot invest in cigarette stocks, coal stocks and select upstream oil stocks. Due to this, the liquidity cannot flow into sectors that are not compliant with the ESG theme. In fact, one of the investors said that for every investment they make, they have to answer 98 questions on ESG, and so there is a reluctance to invest in these sectors.Second, a lot of investors, particularly foreign investors, do not invest in commodity in India because they are here to find stories to play on domestic growth. And hence a lot of commodity companies that are listed are out. A lot of PSU companies have become un-investable because their terminal growth rates have got impacted or they are part of the ESG.If you exclude all these companies and look at the weightage of financials in the overall investment theme, you will be able to appreciate why the weightage is so large. So, the short answer to your question is that I do not see this coming down. Every decade we have seen the emergence of new sectors. If private banks and consumer staples, consumer discretionary stocks have done very well for the decade gone by, which themes do you think will dominate this decade? What could be the high growth earning sectors for next four to five years?I would categorise chemicals. It has done well but looking at it from a multi-year theme perspective, it can do very well. What we saw in the pharmaceutical sector between 1995 to 2015, we are likely to see that in the chemicals space. Within chemicals, you have companies catering to different categories of chemicals. Insurance-life and general, AMCs, select SFBs and some of the private banks will continue to do well considering the fact that the public sector will continue to lose market share. The tailwind is still there at least for the next three-four years or so and probably the growth rates will start to slow once the private banks gain another 10-12 per cent market share in the overall pie. After that it will become incrementally difficult but as I said there are a lot of new sectors that are getting listed and some of these will actually drive big value creation over the next 10 years. I would include retail as well under this theme. Sectors like telecom have seen a big drop in value. They have witnessed value destruction in the last 10 years. And as we see things today, the companies that survive and stay put for the next five years could emerge as reasonable wealth creators. Bill Gates once famously said that we overestimate the impact of disruption in the short term and underestimate it in the long term. If I have to apply that to autos, do you think markets are getting extra paranoid? What could EVs could do to Indian companies in the short term?I think so. I agree with you. I think that seems to be the case maybe three, six, nine months down the road. There is one more issue, people are also worried about BS-VI price increases and how it will impact demand. One of the large auto company’s CEO was telling me that the best thing is you wait it out till June. You will have a completely new price list, a new set of vehicles on the road. People will view this sector with a fresh perspective. He was extremely bullish that July onwards there will be an acceleration in demand. Therefore, I think that there is a pent-up demand given what has happened in the last 18-24 months. In some cases, we have seen very steep year on year decline in volumes and therefore it is definitely going to come back. I do not know how this will pan out over the next 10 years but all I can see is that in the next two to three years, the pessimism will be proven to be unfounded.You like insurance but some would argue that within the insurance space –A) valuations are rich, B) could there be an overhang because of supply. As per the new norms, the holding by promoters or groups in this case has to be wane down in next couple of years.I am a fundamental analyst and I do not get worried about this technical overhang because we have seen in a lot of stocks that it just goes the other way around. The most recent example is DMart.Two months ago people were talking about large supply, look at where the stock is. What matters is what the fundamentals are, what the growth delivery potential is, what the expectations are and how do they meet these expectations.In India, good quality stocks have been expensive for a long period. If you had looked at HDFC Bank in 2000, 2005, 2010, 2015, all points in time it was one of the most expensive banks in the world. But has it not created value? It has created value. Also, when a sector has multiple listings, sell-side coverage improves, buy-side interest improves, index inclusion happens. Passive funds are becoming bigger and bigger. One of the other overarching themes of investment is actually ETFs.Last year 37 per cent of the flows into domestic funds came from ETFs and today foreign plus domestic ETFs have about $70 billion invested in various indices – MSCI, FTSE, Nifty and Sensex. So, therefore, people always get worried about supply coming through. I look at the fundamentals and their ability to deliver growth. If these companies have the potential to deliver 20 per cent to 25 per cent earnings growth over the next decade which I think they have the potential, then these stocks will deliver returns fantastic. ";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:143:"https://economictimes.indiatimes.com/markets/expert-view/what-could-be-the-wealth-creators-of-next-decade-heres-a-clue/articleshow/74079188.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:5:"image";a:1:{i:0;a:5:{s:4:"data";s:145:"https://img.etimg.com/thumb/width-310,imgsize-264556,resizemode-4,msid-74079331/what-could-be-the-wealth-creators-of-next-decade-heres-a-clue.jpg";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:143:"https://economictimes.indiatimes.com/markets/expert-view/what-could-be-the-wealth-creators-of-next-decade-heres-a-clue/articleshow/74079188.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:25:"2020-02-11T13:53:26+05:30";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:10;a:6:{s:4:"data";s:0:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:1:{s:0:"";a:6:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:62:"Infosys to pay as much as $250 million for Simplus acquisition";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:814:"Infosys has agreed to pay as much as $250 million to buy Simplus, a Salesforce consulting company, as it continues its over two-year strategy to boost cloud revenue.Infosys made a previous Salesforce acquisition Fluido in 2018. IT companies have been making cloud acquisitions for years, as they chase digital growth. “The acquisition reaffirms our continuous endeavor to strengthen our strategy of scaling our Agile Digital and cloud-first digital transformation capabilities. This acquisition is key to staying relevant to the digital priorities of our clients and demonstrates our commitment to the Salesforce ecosystem,” Pravin Rao, Chief Operating Officer, Infosys, said in a statement.Simplus has over 500 employees and offices in North America, Sydney, Melbourne, London and a delivery centre in Manila.";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:133:"https://economictimes.indiatimes.com/tech/ites/infosys-to-pay-as-much-as-250-million-for-simplus-acquisition/articleshow/74075744.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:5:"image";a:1:{i:0;a:5:{s:4:"data";s:145:"https://img.etimg.com/thumb/width-310,imgsize-117753,resizemode-4,msid-74075744/infosys-to-pay-as-much-as-250-million-for-simplus-acquisition.jpg";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:133:"https://economictimes.indiatimes.com/tech/ites/infosys-to-pay-as-much-as-250-million-for-simplus-acquisition/articleshow/74075744.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:25:"2020-02-11T10:32:40+05:30";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:11;a:6:{s:4:"data";s:0:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:1:{s:0:"";a:6:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:52:"MPs curious about government roadmap for LIC listing";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:3347:"NEW DELHI: As the government prepares for discussion and passage of the Finance Bill after the motion of thanks to the President’s address is passed by Parliament, considerable curiosity is building up among political parties and MPs on when and how the plan to sell shares in state-owned Life Insurance Corporation of India will be implemented.Finance minister Nirmala Sitharaman said in her budget speech on February 1 that the government proposes to sell a part of its holding in LIC through an initial public offer. This would require a bill to amend the LIC Act to be passed in both houses of Parliament. Congress, the main opposition party, has already stuck a sceptical note on the LIC disinvestment and said it would make its stand clear on the floor of the house after internal deliberations. One question is whether the government will initiate steps on the LIC stake sale in this session or later, given that several budgetary calculations are said to be based on funds that can be mopped up from divestment in the insurer. The government has set a target of Rs 2.1 lakh crore from disinvestment in FY21.Many MPs are curious on two counts. First, how prepared is the government to let LIC make disclosures – a mandatory requirement for an IPO – on closely guarded data such as the nature of the insurer’s investments and their financial soundness. “The LIC data disclosure assumes crucial importance and can have implications for LIC and others, given that it is not unknown that all governments have been dipping into the corpus of LIC – like that of RBI – for fiscal management and forex management,” a senior MP said.The second aspect pertains to the legislative course that the government will take with the bill to amend the LIC Act and whether that attempt will be made during the budget session or put off to the next Parliament session. “As a matter of technical interpretation, a bill to amend the LIC Act can’t fall in the category of a money bill (which does not need Rajya Sabha endorsement). So, in the normal course, the government should bring it as an ordinary bill,” argued a senior Congress leader. “But, given how the Modi-1 government had controversially certified the Aadhaar bill as a money bill, no one should hazard a guess on what it will do this time.”While the Modi government has managed to get politically sensitive bills passed in Parliament, including those on triple talaq and the withdrawal of special status for J&K, amending the LIC Act may prove to be a bigger test, with many parties touchy over the perceived image of LIC as an “ordinary people’s money keeper.” “Our party is completely opposed to the disinvestment of profit-making PSUs, and, therefore, we will oppose the bill to disinvest LIC,” SP floor leader in the Rajya Sabha, Ram Gopal Yadav, told ET.“LIC is where the ordinary people have invested their hard-earned money, which will face an uncertain future once LIC has fallen into the hands of private players,” said BSP MP Danish Ali. “ BSP will vote against the government bill to disinvest LIC.” While BJP ally Akali Dal’s MP Naresh Gujral said he fully supports the decision to disinvest LIC as “the government has no business to run businesses,” Saugata Roy of the TMC said his party is against disinvestment of profit-making PSUs.";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:139:"https://economictimes.indiatimes.com/news/politics-and-nation/mps-curious-about-government-roadmap-for-lic-listing/articleshow/73973909.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:5:"image";a:1:{i:0;a:5:{s:4:"data";s:136:"https://img.etimg.com/thumb/width-310,imgsize-826828,resizemode-4,msid-73973909/mps-curious-about-government-roadmap-for-lic-listing.jpg";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:139:"https://economictimes.indiatimes.com/news/politics-and-nation/mps-curious-about-government-roadmap-for-lic-listing/articleshow/73973909.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:25:"2020-02-06T08:28:25+05:30";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:12;a:6:{s:4:"data";s:0:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:1:{s:0:"";a:6:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:70:"IIMA concludes Cluster 1 placement: McKinsey &amp; BCG- top recruiters";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:1302:"NEW DELHI: In the first cluster of the final placement process at the Indian Institute of Management (IIM) Ahmedabad, Blackstone Group and Strategy & (Middle East) were among the new recruiters thronging the campus while McKinsey and Boston Consulting Group were the top recruiters with the highest number of offers. These offers were made to the PGP class of 2020 where four cohorts –investment banking & markets, management consulting, advisory consulting and private equity, venture capital & asset management were part of the Cluster 1 list.Other recruiters included Accenture Strategy, Kearney, Avendus, Bain & Co., Citi, Credit Suisse, Goldman Sachs, HSBC, JP Morgan, KPMG, Monitor Deloitte, Matrix Partners, Multiples, Nomura,Oliver Wyman, among others, according to the information shared by the institute.Consulting firms, offering management consulting roles across geographies (including Malaysia and Middle East) have recruited in large numbers. Finance firms offered (including pre-placement offers or PPOs) roles in investment banking, private equity, venture capital and capital markets across functions and geographies (including Singapore). Among finance firms, Avendus made the highest number of offers (10 including PPOs), closely followed by JP Morgan Chase & Co.(8) in Cluster 1.";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:129:"https://economictimes.indiatimes.com/jobs/iima-concludes-cluster-1-placement-mckinsey-bcg-top-recruiters/articleshow/74024154.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:5:"image";a:1:{i:0;a:5:{s:4:"data";s:146:"https://img.etimg.com/thumb/width-310,imgsize-547655,resizemode-4,msid-74024154/iima-concludes-cluster-1-placement-mckinsey-bcg-top-recruiters.jpg";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:129:"https://economictimes.indiatimes.com/jobs/iima-concludes-cluster-1-placement-mckinsey-bcg-top-recruiters/articleshow/74024154.cms";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:25:"2020-02-08T12:22:48+05:30";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}}}s:27:"http://www.w3.org/2005/Atom";a:1:{s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:0:"";s:7:"attribs";a:1:{s:0:"";a:3:{s:4:"type";s:19:"application/rss+xml";s:3:"rel";s:4:"self";s:4:"href";s:59:"https://economictimes.indiatimes.com/rssfeedstopstories.cms";}}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}}}}}}}}s:4:"type";i:128;s:7:"headers";a:16:{s:6:"server";s:5:"nginx";s:12:"content-type";s:22:"text/xml;charset=UTF-8";s:13:"last-modified";s:29:"Tue, 11 Feb 2020 10:33:38 GMT";s:11:"content-msg";s:22:"DATA_SERVED_FROM_CACHE";s:16:"content-language";s:5:"en-US";s:15:"x-frame-options";s:10:"sameorigin";s:22:"x-content-type-options";s:7:"nosniff";s:16:"x-xss-protection";s:13:"1; mode=block";s:25:"strict-transport-security";s:35:"max-age=25920000; includeSubdomains";s:16:"content-encoding";s:4:"gzip";s:14:"content-length";s:5:"17008";s:13:"cache-control";s:36:"public, must-revalidate, max-age=687";s:7:"expires";s:29:"Tue, 11 Feb 2020 11:04:18 GMT";s:4:"date";s:29:"Tue, 11 Feb 2020 10:52:51 GMT";s:10:"connection";s:5:"close";s:4:"vary";s:15:"Accept-Encoding";}s:5:"build";s:14:"20200211105010";}