Opulent
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Archive · 72 essays · since 2026
Everything that
has been written
, in order.
All · 72
Reserve Bank · 24
SEBI · 12
IRDAI · 9
PFRDA · 5
AMFI · 7
Payments · 8
Cross-regulator · 7
12 May 2026
Reserve Bank
The Digital Lending Guidelines, restated for a reader with
none of the master directions
.
9 min
06 May 2026
SEBI
Investment adviser regulations, and the small word that
closed an industry
.
11 min
28 Apr 2026
AMFI
Total expense ratio, and the math that decides
whether your SIP is worth it
.
7 min
19 Apr 2026
IRDAI
Bima Sugam, and the platform a regulator builds
when the market won't
.
10 min
11 Apr 2026
PFRDA
NPS,
the quietest pension system in the world
.
12 min
03 Apr 2026
Payments
UPI is free.
Someone is paying for it.
A short note on the MDR question.
8 min
26 Mar 2026
Reserve Bank
The PA-PG guidelines, and the slow professionalisation of
who may touch your money
.
13 min
18 Mar 2026
Reserve Bank
Account Aggregators, and the quiet revolution in
consent-based data sharing
.
9 min
11 Mar 2026
SEBI
The PMS regulations, and the line between
portfolio management and a mutual fund
.
10 min
04 Mar 2026
Reserve Bank
FLDG, after the FLDG died — and the cap of five per cent
that brought it back
.
14 min
25 Feb 2026
Cross-regulator
KYC, eKYC, and
the four registries you didn't know you were on
.
8 min
18 Feb 2026
IRDAI
Surrender value, lapsation, and
the small print that keeps an industry profitable
.
9 min
11 Feb 2026
SEBI
The T+1 settlement cycle, and the world's
only large market
to have one.
7 min
04 Feb 2026
Payments
Tokenisation, and the day your card number
stopped leaving its bank
.
6 min
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