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From Ownership to Stewardship: Why India's Universities Should Steward Local Heritage

India possesses one of the world's richest and most diverse heritage landscapes. Some sites attract millions of visitors every year. They feature prominently in tourism campaigns, receive significant government attention, and enjoy dedicated conservation efforts. These iconic monuments and pilgrimage destinations have become symbols of India's civilizational heritage. Yet beyond these well-known landmarks lies another India — one of forgotten temples, archaeological mounds, historic schools, abandoned monasteries, intricate inscriptions, stepwells, traditional water systems, sacred groves, old pilgrimage routes, community archives, and European-era buildings. Many of these assets are historically significant. Only few attract tourists. Consequently, they often receive limited public attention and intermittent institutional support. The problem is not that India lacks heritage. Nor is it that these sites and collections lack legal owners. The problem is that many of them lack st...
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When the Monsoon Moves In: Reflections from the Uttarakhand Himalayas

The 'Announcement' in the Night Every year in early July, news platforms announce the advance of the southwest monsoon into North India, as meteorologists explain its progress with weather maps and rainfall forecasts. Those reports, no doubt, are scientifically precise, but they say very little about what the arrival of the monsoon actually feels like in a Himalayan town. I was reminded of that around a week ago. It was around 2 am. It had already been raining heavily for a few hours. Unlike the scattered pre-monsoon showers of previous weeks, this was continuous, determined rain. The kind that settles in rather than merely passing through. Then came the siren.  Living close to the Ganga, we occasionally hear warning sirens whenever heavy rainfall upstream causes the river to swell. Their purpose is to warn people to stay away from the riverbanks. That night, however, the experience was unlike anything I'd had before. The first long siren sounded and echoed across the valle...
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Beyond Transactions: Why Fintech's Future Lies in Financial Intelligence

Fintech Has Matured. What Comes Next? India's fintech sector has been one of the country's most remarkable digital success stories. Built upon a strong Digital Public Infrastructure comprising Aadhaar, UPI, e-KYC and several other digital public goods, fintech has expanded financial inclusion on a scale that would have been difficult to imagine even a decade ago. Millions of individuals and businesses now make digital payments, invest in financial markets, purchase insurance, access credit and manage their finances through digital platforms. The sector itself has grown rapidly. Today, India hosts one of the world's largest fintech ecosystems, encompassing payments, digital lending, WealthTech, InsurTech, RegTech and numerous other specialised segments. As the ecosystem matures, the conversation is also beginning to evolve. Investors increasingly speak about profitability and resilience rather than simply user growth. Regulators continue to strengthen consumer protection whi...
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Beyond Jobs: Why India Should Build GCC-Anchored Industrial Ecosystems

I. Beyond the GCC: Rethinking India's Next Phase of Industrial Development . NASSCOM's annual report on India's Global Capability Centre (GCC) landscape, released on 3 July, marks an important milestone in understanding how these centres are evolving. The report says that India's GCCs are no longer simply executing global mandates but are increasingly shaping them. The report identifies four structural shifts driving this transformation: the growing responsibility of Indian GCCs in leading enterprise AI adoption; the shortening journey from operational centres to strategic hubs; the migration of enterprise authority towards India; and, perhaps most significantly, the need for GCCs to move beyond managing partners towards co-creating with them. Taken together, these shifts reflect a profound change in the role of GCCs within multinational enterprises. As Artificial Intelligence (AI), cloud computing, digital engineering, enterprise software, and advanced analytics reshap...
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