Latest news with #Dun&BradstreetIndia
Mint
19-07-2025
- Business
- Mint
India's rich don't seem to be saving enough. Here's why it makes perfect sense.
The recent Dun & Bradstreet India survey, conducted with Marcellus Investment Managers, has sparked considerable debate in wealth management circles. The numbers are striking: 43% of India's high-net-worth individuals (HNIs) save less than 20% of their post-tax income, and a significant portion don't have sufficient emergency cash. For those not familiar with HNI finances, these findings may appear counterintuitive—even troubling—given their wealth. But having worked closely with affluent families for years, I believe the data reflects a more nuanced reality than simple financial imprudence. Beyond traditional saving metrics To understand why HNIs appear to be 'under-saving", we must redefine what savings mean in the context of substantial wealth. Traditional saving advice, built around salaried individuals, is inadequate when applied to those with complex financial ecosystems. The definition of HNIs used in the many surveys and reports may differ from that used by wealth managers or multi-family offices. What sets HNIs apart Traditional personal finance frameworks—designed around salaried individuals—do not apply when portfolios spanoperating businesses, real estate, private equity, and public markets. HNIs operate in a fundamentally different financial landscape. Unlike traditional savers, who prioritise cash accumulation, HNIs focus on deploying capital efficiently. Every rupee sitting idle represents an opportunity cost, particularly given their sophisticated understanding of risk-adjusted returns. Another reason why traditional metrics under-represent HNI savings is that much of their wealth is held outside personal balance sheets, embedded in trusts, holding companies, limited liability partnerships (LLPs), and offshore entities. These structures are designed not just for tax efficiency but for succession planning, regulatory clarity, and investment agility. As a result, what may appear as low personal liquidity or savings is often capital strategically parked within investment vehicles that allow faster, tax-optimised decision-making. Wealth in these structures can be invested in private deals, real estate special purpose vehicles (SPVs), or pooled vehicles, offering both insulation and strategic advantage. Conventional savings thus take a backseat to more dynamic wealth management strategies. The strategic use of debt Perhaps the most misunderstood aspect of HNI financial behaviour is their relationship with debt. While most retail investors see debt as a financial liability but for the wealthy, debt is a strategic asset—used to amplify returns, manage liquidity, and unlock tax efficiency. Consider a successful entrepreneur operating in the highest tax brackets. For such individuals, interest-bearing debt can provide immediate tax benefits while preserving capital for higher-yielding opportunities. When their business generates substantial returns, or when private market investments offer superior risk-adjusted returns, servicing debt at prevailing market rates becomes a calculated arbitrage play. This leveraging strategy extends beyond simple tax optimisation. HNIs frequently use debt to maintain liquidity without disturbing their core investment positions. Rather than liquidating appreciating assets to meet cash requirements, they borrow against these holdings, preserving long-term wealth creation while addressing immediate needs. The idea is simple: borrow against appreciating assets while they continue compounding. What matters most is how this debt is structured and secured. HNIs typically take on debt against appreciating assets—real estate, securities or business equity—rather than unsecured consumer debt. This secured positioning, combined with multiple income streams, fundamentally alters the risk profile. Cash flow complexity and emergency fund realities Instead of traditional emergency funds, HNIs typically maintain emergency liquidity through credit facilities, securities-backed lines of credit, or quick-liquidation investment positions. These structures provide immediate access to substantial capital without the opportunity cost of holding large cash balances. The portfolio integration approach Debt is just another asset class, one that generates tax benefits and frees capital for higher-return opportunities. The optimisation occurs at the portfolio level, where the combined performance of assets, liabilities, and tax strategies creates superior risk-adjusted outcomes. For instance, an HNI might maintain a mortgage on their primary residence despite having enough cash to pay it off. The mortgage interest provides tax deductions, while the preserved capital is invested in appreciating assets or growth businesses, generating significantly higher returns. The net effect often exceeds what traditional debt reduction can achieve. Risk management in complexity HNIs must maintain full visibility into their financial ecosystem, understanding how various components interact during different market conditions. The real risk isn't leverage—it's misaligned liquidity. While leverage can enhance returns, mismatched liquidity profiles can force selling during market downturns. Successful HNIs maintain diversified liquidity sources and avoid concentration risks. This requires continuous monitoring and periodic rebalancing. HNI financial strategies must therefore remain adaptable while maintaining structural integrity. The path forward The D&B survey findings highlight important considerations for HNI wealth management. The key lies in distinguishing between strategic leverage and excessive risk-taking. The focus in this case should shift from traditional saving metrics to comprehensive wealth optimisation. Rahul Bhutoria is director and co-founder, Valtrust.
Business Standard
19-05-2025
- Business
- Business Standard
Dun & Bradstreet India Unveils Strategic Insights for Indian Exporters Amid Global Trade Shifts
PRNewswire Mumbai (Maharashtra) [India], May 19: Dun & Bradstreet India, a leading provider of business decisioning data and analytics, has released a new report titled 'Navigating the Fault Lines of Global Trade: An Indian Perspective,' offering a comprehensive analysis of the shifting trade landscape and its implications for Indian exporters. As global trade tensions intensify and the United States recalibrates its economic engagement, the report reveals that the trade environment has changed significantly. Indian businesses need to be ready to mitigate rising risks while seizing newly emerging export opportunities. Key Highlights of the Report: * Trade Reset in Motion: Recent U.S. tariff actions mark a significant shift in global trade strategy, impacting a wide range of trading partners including India through broad, cross-border measures. * Margins Under Pressure: Of India's 3,934 product lines exported to the U.S., over 3,100 now face a 10% flat tariff, and 343 are hit with a 25% rate. Sectors like iron & steel, machinery, textiles, and chemicals are the most exposed. * Opportunities Taking Shape: The report identifies 360 high-potential products where India is well-positioned to strengthen its presence in the U.S. market. Big opportunities lie in specialty chemicals, pharma inputs, home textiles, and industrial components. * Smart Product Strategy: Products are mapped into four zones--Sweet Spots, High Risk-High Reward, Margin Traps, and Non-Core to help businesses focus where it matters most. "This marks an important shift in the global trade landscape," said Arun Singh, Global Chief Economist, Dun & Bradstreet. "India is at a point where thoughtful, strategic steps can help turn current global changes into long-term success. As supply chains diversify and trade policies evolve, Indian exporters have a chance to strengthen their role in key sectors. To fully leverage this shift, India must adopt forward-looking strategies that balance risk management with market expansion, especially in margin-sensitive industries like specialty chemicals, pharmaceuticals, textiles, and advanced manufacturing inputs." The report can be downloaded for free from the website of Dun & Bradstreet India ( About Dun & Bradstreet: Dun & Bradstreet, a leading global provider of business decisioning data and analytics, enables companies around the world to improve their business performance. Dun & Bradstreet's Data Cloud fuels solutions and delivers insights that empower customers to accelerate revenue, lower cost, mitigate risk and transform their businesses. Since 1841, companies of every size have relied on Dun & Bradstreet to help them manage risk and reveal opportunity. For more information on Dun & Bradstreet, please visit Dun & Bradstreet Information Services India Private Limited is headquartered in Mumbai and provides clients with data-driven products and technology-driven platforms to help them take faster and more accurate decisions in domains of finance, risk, compliance, information technology and marketing. Working towards Government of India's vision of creating an Atmanirbhar Bharat (Self-Reliant India) by supporting the Make in India initiative, Dun & Bradstreet India has a special focus on helping entrepreneurs enhance their visibility, increase their credibility, expand access to global markets, and identify potential customers & suppliers, while managing risk and opportunity. India is also the home to Dun & Bradstreet Technology & Corporate Services LLP, which is the Global Capabilities Center (GCC) of Dun & Bradstreet supporting global technology delivery using cutting-edge technology. Located at Hyderabad, the GCC has a highly skilled workforce of over 500 employees, and focuses on enhanced productivity, economies of scale, consistent delivery processes and lower operating expenses. Visit for more information. Click here for all Dun & Bradstreet India press releases.
The Wire
19-05-2025
- Business
- The Wire
Dun & Bradstreet India Unveils Strategic Insights for Indian Exporters Amid Global Trade Shifts
MUMBAI, India, May 19, 2025 /PRNewswire/ — Dun & Bradstreet India, a leading provider of business decisioning data and analytics, has released a new report titled 'Navigating the Fault Lines of Global Trade: An Indian Perspective,' offering a comprehensive analysis of the shifting trade landscape and its implications for Indian exporters. As global trade tensions … Continue reading "Dun & Bradstreet India Unveils Strategic Insights for Indian Exporters Amid Global Trade Shifts"
Business Upturn
19-05-2025
- Business
- Business Upturn
Dun & Bradstreet India Unveils Strategic Insights for Indian Exporters Amid Global Trade Shifts
By PR Newswire Published on May 19, 2025, 11:12 IST MUMBAI, India , May 19, 2025 /PRNewswire/ — Dun & Bradstreet India, a leading provider of business decisioning data and analytics, has released a new report titled 'Navigating the Fault Lines of Global Trade: An Indian Perspective,' offering a comprehensive analysis of the shifting trade landscape and its implications for Indian exporters. As global trade tensions intensify and the United States recalibrates its economic engagement, the report reveals that the trade environment has changed significantly. Indian businesses need to be ready to mitigate rising risks while seizing newly emerging export opportunities. Key Highlights of the Report: Trade Reset in Motion: Recent U.S. tariff actions mark a significant shift in global trade strategy, impacting a wide range of trading partners including India through broad, cross-border measures. Recent U.S. tariff actions mark a significant shift in global trade strategy, impacting a wide range of trading partners including through broad, cross-border measures. Margins Under Pressure: Of India's 3,934 product lines exported to the U.S., over 3,100 now face a 10% flat tariff, and 343 are hit with a 25% rate. Sectors like iron & steel, machinery, textiles, and chemicals are the most exposed. Of 3,934 product lines exported to the U.S., over 3,100 now face a 10% flat tariff, and 343 are hit with a 25% rate. Sectors like iron & steel, machinery, textiles, and chemicals are the most exposed. Opportunities Taking Shape: The report identifies 360 high-potential products where India is well-positioned to strengthen its presence in the U.S. market. Big opportunities lie in specialty chemicals, pharma inputs, home textiles, and industrial components. The report identifies 360 high-potential products where is well-positioned to strengthen its presence in the U.S. market. Big opportunities lie in specialty chemicals, pharma inputs, home textiles, and industrial components. Smart Product Strategy: Products are mapped into four zones—Sweet Spots, High Risk–High Reward, Margin Traps, and Non-Core to help businesses focus where it matters most. 'This marks an important shift in the global trade landscape,' said Arun Singh , Global Chief Economist, Dun & Bradstreet. ' India is at a point where thoughtful, strategic steps can help turn current global changes into long-term success. As supply chains diversify and trade policies evolve, Indian exporters have a chance to strengthen their role in key sectors. To fully leverage this shift, India must adopt forward-looking strategies that balance risk management with market expansion, especially in margin-sensitive industries like specialty chemicals, pharmaceuticals, textiles, and advanced manufacturing inputs.' The report can be downloaded for free from the website of Dun & Bradstreet India ( About Dun & Bradstreet: Dun & Bradstreet, a leading global provider of business decisioning data and analytics, enables companies around the world to improve their business performance. Dun & Bradstreet's Data Cloud fuels solutions and delivers insights that empower customers to accelerate revenue, lower cost, mitigate risk and transform their businesses. Since 1841, companies of every size have relied on Dun & Bradstreet to help them manage risk and reveal opportunity. For more information on Dun & Bradstreet, please visit Dun & Bradstreet Information Services India Private Limited is headquartered in Mumbai and provides clients with data-driven products and technology-driven platforms to help them take faster and more accurate decisions in domains of finance, risk, compliance, information technology and marketing. Working towards Government of India's vision of creating an Atmanirbhar Bharat (Self-Reliant India) by supporting the Make in India initiative, Dun & Bradstreet India has a special focus on helping entrepreneurs enhance their visibility, increase their credibility, expand access to global markets, and identify potential customers & suppliers, while managing risk and opportunity. India is also the home to Dun & Bradstreet Technology & Corporate Services LLP, which is the Global Capabilities Center (GCC) of Dun & Bradstreet supporting global technology delivery using cutting-edge technology. Located at Hyderabad , the GCC has a highly skilled workforce of over 500 employees, and focuses on enhanced productivity, economies of scale, consistent delivery processes and lower operating expenses. Visit for more information. Click here for all Dun & Bradstreet India press releases. Logo: View original content: Disclaimer: The above press release comes to you under an arrangement with PR Newswire. Business Upturn takes no editorial responsibility for the same. PR Newswire is a distributor of press releases headquartered in New York City.
