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Indian companies across multiple sectors have reported disappointing results in the second quarter of fiscal year 2025, notes a new JM Financials report. Consequently, their poor performance has triggered stock price corrections for affected companies. The brunt of this weaker than expected earnings was largely borne by consumer centric sectors like FMCG (fast moving consumer goods), retail, and auto, which slacked largely due to dampened urban demand.<br /><br />For instance, India's largest automaker, Maruti Suzuki, reported a 5% YoY decline in its total domestic passenger vehicle wholesales, largely on the back of pent-up inventory. Similarly, Honda reported a staggering 23% YoY dip in its total sales during October 2024. <br /><br />A recent report by Bernstein noted that around 48% of the companies listed on the NSE100 index missed their earnings estimate for Q2FY25, the highest since March 2020. Most companies have mentioned deteriorated domestic demand, urban slowing, macroeconomic risk, and margin pressures as the main reasons behind the dip. <br /><br />"The quarter's earnings have made investors nervous," noted the JM Financials report. The challenging environment stems from multiple factors: softening consumer demand, rising input costs, and companies' limited ability to increase prices. Moreover, this is not limited to just one quarter. Companies have been reporting weak, single-digit earnings growth for the last six consecutive quarters. <br /><br />Data from India Data Hub also suggests that corporate profits of listed companies plunged by as much as 3.4% during the quarter ended September 30, 2024. This is in stark contrast to the year-ago period, where they had shot up by over 40% <br /><br />The oil and gas sector had a difficult quarter, with refiners hit by weak margins and city gas distributors struggling with higher input costs. Financial institutions showed mixed results. While government-owned banks reported strong numbers, microfinance institutions and some private lenders faced massive difficulties with their unsecured loans. Most notable amongst this was the case of IndusInd Bank, which saw its net profits dip by 40% amidst burgeoning provisions, which climbed 87% to Rs 1,820 crore in Q2, as against Rs 974 crore reported in the year-ago period. <br /><br /><h2>Markets head southwards</h2>The selling trend by FPIs has dragged down the major Indian indices, the Nifty 50 and Sensex, both of which have dropped by around 8% since the beginning of this selling spree in October. According to National Securities Depository Ltd. (NSDL) data, FPIs offloaded equities worth a significant Rs 19,994 crore in just the first five trading sessions of November last week.<br /><br />The impact is clearly visible on Indian stock markets. Data suggests that while every sector in October closed the month in red, auto, oil and gas, and consumer durables were the most badly hit, each declining by as much as 10% during the month. Another indicator underlining the inherent weakness of the market was that the month saw only 242 stocks hit their 52-week high, significantly below the usual monthly average of 310. <br />

India Inc. stares at an earnings dearth in Q2, FMCG, auto, and consumer durables falter

<keyword id="19895995" type="General" weightage="20" keywordseo="HDFC-Bank" source="keywords" meta.keywordsubtype="org" meta.entityname="HDFC Bank" meta.hostid="261" meta.entityid="HDFC Bank">HDFC Bank</keyword> on Saturday posted a marginal 5 per cent increase in its standalone profit at Rs 16,821 crore in the second quarter ended September 2024. The country's biggest private sector lender had earned a <keyword id="19942166" type="General" weightage="20" keywordseo="net-profit" source="keywords">net profit</keyword> of Rs 15,976 crore in the same quarter a year ago. <br /><br /> Total income increased to Rs 85,500 crore during the quarter under review against Rs 78,406 crore in the same period last year, HDFC Bank said in a regulatory filing. <br /><br /> The bank reported <keyword id="20202322" type="General" weightage="20" keywordseo="interest-income" source="keywords">interest income</keyword> of Rs 74,017 crore during the quarter compared to Rs 67,698 crore in the same period a year ago. <br /><br /> Net Interest Income (NII) improved to Rs 30,110 crore, from Rs 27,390 crore in the second quarter of previous year, registering a 10 per cent growth. <br /><br /> As regards asset quality, the bank witnessed slight deterioration with gross <keyword id="19927319" type="General" weightage="20" keywordseo="Non-Performing-Assets" source="keywords">Non-Performing Assets</keyword> (NPAs) rising to 1.36 per cent of the gross loans by the end of September 2024 from 1.34 per cent a year ago. <br /><br /> Similarly, net NPAs or bad loans rose to 0.41 per cent from 0.35 per cent at the end of the second quarter of the previous fiscal. <br /><br /> On a consolidated basis, the bank logged a growth of 6 per cent in net profit to Rs 17,826 crore as against Rs Rs 16,811 crore in Q2FY24.<br /><br /><b>SEE ALSO:<a href="https://www.businessinsider.in/personal-finance/news/best-credit-cards-for-online-shopping-in-india/articleshow/114354358.cms" target="_blank"></a></b><br /><br /> <b><a href="https://www.businessinsider.in/personal-finance/news/best-credit-cards-for-online-shopping-in-india/articleshow/114354358.cms" target="_blank">Best credit cards for online shopping this festive season</a><a href="https://www.businessinsider.in/tech/mobile/webstories/best-smartphones-under-25000-in-india-in-october-2024/slidelist/114339207.cms" target="_blank"></a></b><br /><br /> <b><a href="https://www.businessinsider.in/tech/mobile/webstories/best-smartphones-under-25000-in-india-in-october-2024/slidelist/114339207.cms" target="_blank">Best smartphones under ₹25,000 in India in October 2024</a><a href="https://www.businessinsider.in/stock-market/webstories/waaree-energies-ipo-price-band-to-risk-factors-all-you-need-to-know/slidelist/114350114.cms" target="_blank"></a></b><br /><br /> <b><a href="https://www.businessinsider.in/stock-market/webstories/waaree-energies-ipo-price-band-to-risk-factors-all-you-need-to-know/slidelist/114350114.cms" target="_blank">Waaree Energies IPO – Price band to risk factors, all you need to know</a></b><br />

HDFC Bank Q2 profit soars 5% to ₹16,821 crore

<ul><li><keyword id="22862470" type="General" weightage="100" keywordseo="iQOO-Z9s-Pro" source="keywords">iQOO Z9s Pro</keyword> comes with the Snapdragon 7 Gen 3 processor with up to 12GB RAM.</li><li>The phone is ideal for gaming and multitasking, with 80W fast charging</li><li>iQOO Z9s Pro sports a sleek, contemporary design, offering a lightweight and comfortable grip.</li></ul><br />iQOO, over the years, has carved a niche for itself in the smartphone market and has various mid-range phones that promise the best performance at a relatively affordable price point. And the iQOO Z9s Pro also falls under this category. We, at Business Insider India, have been using the iQOO Z9s Pro for over a month and after our testing, we can confidently say that this is the smartphone that can give you good performance for under Rs 25,000.<br /><br /><div type="image" title="6" msid="115764952" hostid="261" sizebytes="904220"></div><br />In India, the iQOO Z9s Pro’s price starts at Rs 24,999 for the 8GB RAM and 128GB storage model. The 8GB RAM variant with 256GB storage is priced at Rs 26,999, while the top-end model with 12GB RAM and 256GB storage comes in at Rs 28,999. For our testing, we used the top-end model in white colour. So, should you go ahead and buy the iQOO Z9s Pro? Let’s find out. <br /><br /><h2>iQOO Z9s Pro: Design and display<br /></h2><br />The iQOO Z9s Pro sports a sleek, contemporary design, offering a lightweight and comfortable grip. The phone features a sturdy glossy back panel with a marble feel to it which is visible when the lights are on. The phone, at a glance, looks quite stylish and will stand out in a crowd. I personally am not a fan of prints but the marble feel on the iQOO Z9s Pro looks quite elegant and not at all overdone. Then there is the familiar square camera module and the iQOO branding. The camera module is surrounded by a metallic finish border which elevates the whole look.<br /><br />  <div type="image" title="10" msid="115764970" hostid="261" sizebytes="833759"></div><br />At the bottom is the USB Type C charging port and sim tray. The right edge houses the power and volume buttons that are quite easy to get to while holding the phone in one hand. The left edge is left completely free. The edges also sport a silver metallic finish and are worth noticing. The phone comes with a curved display which further enhances its look.<br /><br />During my usage, I didn’t see any fingerprints on the back panel which is a huge plus. The front, however, did form smudges and gathered dust quickly.<br /><br />  <div type="image" title="3" msid="115764994" hostid="261" sizebytes="1688002"></div><br />Due to its curved display, rounded edges and glossy back, the phone is comfortable to hold and use with just one hand. However, it can also easily slide from your hand if you aren’t paying attention. Hence, it is best to always use it with the cover that comes packed with the phone.<br /><br />The phone’s display is a 6.78-inch FHD+ AMOLED panel with a 120Hz refresh rate, ensuring smooth scrolling and vivid colours, ideal for multimedia and gaming enthusiasts. This high refresh rate is excellent for gaming and general use, delivering a seamless experience. The phone can be used comfortably outdoors too, but a tad more brightness would have been even better.<br /><br /><div type="image" title="2" msid="115764963" hostid="261" sizebytes="1914142"></div><br /><br /><h2>iQOO Z9s Pro: Performance<br /></h2><br />Equipped with the <keyword id="21694334" type="General" weightage="20" keywordseo="Qualcomm-Snapdragon-7-Gen-3" source="keywords">Qualcomm Snapdragon 7 Gen 3</keyword> processor and up to 12GB of RAM, the Z9s Pro is a powerhouse in terms of performance.<br /><br />Everyday tasks and multitasking feel incredibly smooth, while gaming performance is also impressive. The phone could easily handle titles like Battlegrounds Mobile India and Call of Duty Mobile at high settings without a hitch. The cooling system helps prevent overheating during prolonged sessions, making it a reliable choice for gamers. The phone also includes virtual RAM expansion, giving it an edge in handling demanding applications.<br /><br />  <div type="image" title="1" msid="115765018" hostid="261" sizebytes="1900985"></div><br />Talking about the software, even though the phone offers a clean experience with customisable themes and settings, it does come with pre-installed apps, which may be a slight drawback for those who prefer a streamlined interface. The good news is that most of these can be uninstalled, and the UI is generally responsive with minimal lag.<br /><br /><h2>iQOO Z9s Pro: Camera<br /></h2><br />The Z9s Pro comes with a 50MP primary sensor and an 8MP ultra-wide lens in the back. The phone also sports a 16MP selfie camera. Overall, the camera performs well in good lighting conditions. Night-time photography too is decent for the price. <br /><br />In daylight, the primary camera captures crisp details and vibrant colours.<br /><br />  <div type="image" title="12" msid="115765082" hostid="261" sizebytes="1558728"></div><br />The front camera too performs well and captures your selfies in style. However, the edge detection might feel tad off at times. But this isn't a dealbreaker considering the price of the smartphone. <br /><br />  <div type="image" title="15" msid="115765094" hostid="261" sizebytes="833942"></div><br />  <br />The portrait shots from the rear camera are simply stunning.<br /><br />  <div type="image" title="16" msid="115765109" hostid="261" sizebytes="1266524"></div><br />I also used the Master B/W mode and the Vintage film mode and loved the results.<br /><br />  <div type="image" title="13" msid="115765126" hostid="261" sizebytes="2287590"></div><br />While the phone captures impressive detail and colours, the details start fizzling out when you zoom in. Even at 2x, the details start going a bit amiss and by 10x, the performance drop in camera is quite noticeable. But this isn’t a big concern.<br /><br />At night too, the phone can capture some decent shots for its price point. <br /><br /><h2>iQOO Z9s Pro: Battery and charging<br /></h2><br />With a 5,500mAh battery, the iQOO Z9s Pro easily lasts a full day of moderate usage. For heavy users, 80W fast charging comes in handy, taking the battery from 0 to around 50% in just 20 minutes. This quick top-up time is a big plus for those who are always on the go. The phone also comes with a charger in the box so you don’t have to buy one separately.<br /><br /><h2>iQOO Z9s Pro: Final verdict<br /></h2><br />  <div type="image" title="5" msid="115765350" hostid="261" sizebytes="1316258"></div><br />The iQOO Z9s Pro stands out in the mid-range segment with its powerful processor, smooth display, and decent camera setup. However, minor improvements in low-light camera performance and UI polish could enhance it further. For users focused on performance and gaming, this phone delivers robust value and is a worthy option in its price bracket.<br />

iQOO Z9s Pro review: Excellent performance in a budget

India’s Chief Economic Advisor (CEA), <keyword id="20690607" type="General" weightage="20" keywordseo="V-Anantha-Nageswaran" source="keywords">V Anantha Nageswaran</keyword>, remains optimistic about the nation’s economic prospects despite a slower-than-expected <keyword id="19972825" type="General" weightage="20" keywordseo="GDP-growth" source="keywords">GDP growth</keyword> in the second quarter of FY2024-25. Speaking at the Bharat @100 Summit hosted by Assocham, he said that the fundamental health of the economy remains robust, according to a report by aNI.<br /><br />Nageswaran highlighted several indicators demonstrating the economy’s resilience. “If you run through the checklist for the <keyword id="19948184" type="General" weightage="100" keywordseo="Indian-economy" source="keywords">Indian economy</keyword>, the health is pretty robust,” he noted, pointing to controlled levels of external debt as a share of GDP, declining non-performing assets in the banking system, and stable inflation trends. Although certain food items have caused inflationary spikes, their impact is limited within the overall consumer price index basket, he explained.<br /><br />The CEA praised the shift in fiscal expenditure priorities over the past seven years, with greater focus on capital investments rather than revenue spending. This reallocation, he suggested, has bolstered long-term economic stability and growth potential.<br /><br />India’s GDP growth for the July-September quarter was 5.4%, significantly below the Reserve Bank of India’s forecast of 7%. While this has sparked concerns among economists, Nageswaran urged against overreacting. Erratic monsoons and excessive rainfall disrupted economic activity in Q2, he explained, while global uncertainties and supply chain pressures further weighed on growth.<br /><br />Despite these challenges, he maintained confidence in the broader growth narrative, citing improvements in key economic metrics. For instance, India’s gross capital formation has risen from 27.3% of GDP in the second decade of the 2000s to 30.8% today. Private consumption remains steady, and exports—spanning both services and manufacturing—continue to perform well even amid challenging global conditions.<br /><br />Nageswaran also underscored India’s growing competitiveness in international trade. He noted that the nation’s total <keyword id="24325087" type="General" weightage="20" keywordseo="exports-as-a-percentage-of-GDP" source="keywords">exports as a percentage of GDP</keyword> now surpass China’s, showcasing its resilience and adaptability in a shifting global trade environment.<br /><br />However, he cautioned against reading too much into quarterly fluctuations, highlighting the impact of geopolitical developments such as trade restrictions from the US on critical minerals and rare earths, as well as policy shifts in China. These external factors, he suggested, are likely to persist and may continue influencing short-term economic trends.<br /><br />(with ANI inputs)

Indian economy is resilient despite Q2 challenges, says CEA Nageswaran

<ul><li>The Indian PC market recorded its second-best quarter with a shipment of 4.49 million devices in Q3 2024.</li><li>The growth in part is due to the online festival sales by e-commerce giants and retailers.</li><li>HP continues to lead the Indian PC market with a share of over 29%.</li></ul> The Indian personal computer or PC market has recorded its second highest-ever shipments at 4.49 million devices in Q3 2024, recording a 0.1% growth year-on-year.<br /><br />According to a report by the International Data Corporation (IDC), the growth in sales was recorded due to online festival sales which began early this year.<br /><br />“The e-tail sales, which typically start around the second week of October, began in late September, leading to a surge in PC shipments,” said Bharath Shenoy, Research Manager, IDC India &amp; South Asia.<br /><br />In Q3 2024, desktops recorded an 8.1% year-on-year decline, notebooks recorded a 2.8% year-on-year growth and workstations recorded a 2.4% year-on-year growth. Premium notebooks priced above $1,000 recorded a 7.6% year-on-year growth.<br /><br />“Brands capitalized on e-tail sales by offering steep discounts, cashback, and bundled accessories. Many of them also matched similar pricing in their brand stores and offline channels like Larger Format Retail stores (LFRs), leading to the second biggest consumer quarter in history,” Shenoy added.<br /><br /><h2>Indian PC shipments</h2><br /><table style="border-width: initial; border-style: none;"></colgroup><tbody><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Company<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Q3 2024<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Q3 2023<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Change<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">HP<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">1,300<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">1320<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">-1.52%<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Lenovo<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">778<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">764<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">1.83%<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Dell<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">658<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">654<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">0.61%<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Acer<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">657<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">520<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">26.35%<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Asus<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">435<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">560<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">-22.32%<br /><br /></td></tr></tbody></table><br /><em>Shipments in thousands, Source: IDC</em><br /><br /> HP continues to lead the market in terms of shipments, with over a million devices shipped in Q3 2024, recording a 1.52% year-on-year decline in shipments. The company led both the commercial and consumer segments with shares of 34.3% and 24.8%, respectively.<br /><br />Acer recorded the highest growth in shipments at 26.45%, while Asus recorded the highest decline in the top five at 22.32%.<br /><br /><h2>Indian PC shipments market share</h2><br /><table style="border-width: initial; border-style: none;"></colgroup><tbody><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Company<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Q3 2024<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Q3 2023<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">HP<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">29%<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">29.4%<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Lenovo<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">17.3%<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">17%<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Dell<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">14.6%<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">14.6%<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Acer<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">14.6%<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">11.6%<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Asus<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">9.7%<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">12.5%<br /><br /></td></tr></tbody></table><br /><em>Source: IDC</em><br /><br />HP leads the Indian PC market with nearly a one-third share, recording a 29% share in shipments in Q3 2024, down from 29.4% in Q3 2023.<br /><br />Lenovo is second with a market share of 17.3% in Q3 2024, up from 17% in Q3 2023. Dell has maintained its market share at 14.6%.<br /><br />Acer has recorded good growth, with its market share rising from 11.6% in Q3 2023 to 14.6% in Q3 2024. Asus on the other hand reported a decline from 12.5% in Q3 2023 to 9.7% in Q3 2024.<br /><br />“The Commercial PC Market in India is on the recovery path as enterprises have slowly started refreshing their IT devices. The IT/ITES buying has kickstarted and is expected to pick up momentum in CY2025,” said Navkendar Singh, AVP, Devices Research, IDC India, South Asia &amp; ANZ.<br /><br /><strong>SEE ALSO:<br /><br /><a href="https://www.businessinsider.in/tech/mobile/news/realme-gt-7-pro-with-snapdragon-8-elite-chipset-launched-starting-at-59999/articleshow/115689685.cms">Realme GT 7 Pro with Snapdragon 8 Elite chipset launched starting at ₹59,999</a><br /><br /><a href="https://www.businessinsider.in/stock-market/news/enviro-infra-engineers-ipo-allotment-how-to-check-allotment-ipo-gmp-listing-date-and-more/articleshow/115698043.cms">Enviro Infra Engineers IPO allotment – How to check allotment, IPO GMP, listing date and more</a><br /><br /></strong><a href="https://www.businessinsider.in/business/telecom/news/jio-airtel-and-vi-lost-nearly-11-million-subscribers-in-september-2024/articleshow/115565541.cms"><strong>Jio, Airtel and Vi lost nearly 11 million subscribers in September 2024</strong></a><br />

India’s PC market reaches new high with 4.49 million shipments in Q3 2024

<keyword id="19898109" type="General" weightage="100" keywordseo="Paytm" source="keywords" meta.keywordsubtype="org" meta.entityname="Paytm" meta.hostid="261" meta.entityid="Paytm">Paytm</keyword>'s parent company, <keyword id="20253123" type="General" weightage="20" keywordseo="One97-Communications" source="keywords" meta.keywordsubtype="org" meta.entityname="One97 Communications" meta.hostid="261" meta.entityid="One97 Communications">One97 Communications</keyword>, declared its Q2FY25 results today, announcing a one-time, exceptional profit of Rs 1,345 crore during the quarter, thanks to the sale of its entertainment ticketing business. The company's PAT (profit after tax) stood at Rs 930 crore. <br /><br />Notably, without this windfall gain, Paytm's finances would still be in red, with the company racking up losses worth Rs 415 crore. Paytm was in red in the year-ago period as well, incurring losses worth Rs 290.5 crore.<br /><br />This windfall profit also improved Paytm's EBITDA by Rs 388 crore on a QoQ basis. <br /><br />The company's revenue also saw a slight uptick of 10.5% quarterly to Rs 1,659 crore, as opposed to Rs 1,501 crore in the previous quarter. But on a year-on-year basis, Paytm's revenue dipped significantly by 34%. The company also announced that it has entered into a DLG (<keyword id="23641220" type="General" weightage="20" keywordseo="Default-Loss-Guarantee" source="keywords">default loss guarantee</keyword>) model for its merchant loans of about Rs 225 crore with SMFG India Credit. Under this arrangement, Paytm will be first in line to take a hit in case of a loss that emerges from borrowers defaulting or skipping their payments. <br /><br />"Following the regulatory framework and the emerging market practice, we see increased willingness from lenders to partner and allocate more capital in the default loss. The DLG model will help to increase disbursements with the existing partners and expand partnerships with new lenders for the loan distribution,” said the company in its earnings release today. <br /><br />The company's revenue from its payment business also inched up 9% on a quarterly basis, along with its revenue from <keyword id="19976433" type="General" weightage="20" keywordseo="financial-services" source="keywords">financial services</keyword>, which also grew by 34% QoQ. At present, Paytm's total merchant subscriptions stand at 1.12 crore, with the company garnering 3 lakh new merchants during the quarter. <br /><br />During the previous quarter, Paytm's <keyword id="20253122" type="General" weightage="20" keywordseo="gross-merchandise-value" source="keywords">gross merchandise value</keyword> (GMV) also inched up by 5% on a sequential basis, which experts anticipate will continue in the coming quarters, just as India braces for the festive season. <br /><br />Per its release, Paytm aims to achieve <keyword id="23641219" type="General" weightage="20" keywordseo="EBITDA-profitability" source="keywords">EBITDA profitability</keyword> (before ESOPs) by the fourth quarter of this financial year. However, investors remained unimpressed with Paytm's performance, with its share slipping by around 3.96% during the day to trade at Rs 697.20. The stock has a YTD (yield-to-date) of 7.91% during the year.

Paytm declares Q2 results, earns Rs 930 crore as windfall gains by way of sale of ticketing business to Zomato

<ul><li>The <keyword id="23427747" type="General" weightage="20" keywordseo="HP-EliteBook-Ultra-G1q" source="Orion">HP EliteBook Ultra G1q</keyword> laptop was recently launched in India.</li><li>The HP EliteBook Ultra G1q laptop is priced at ₹1,68,999 in the country.</li><li>Here’s my review of the HP EliteBook Ultra G1q to help you decide whether you should buy the device or not.</li></ul> HP recently launched the EliteBook Ultra G1q, the company’s latest business-oriented laptop in India. The EliteBook Ultra G1q is a feature-packed laptop that is equipped with the <keyword id="20301169" type="General" weightage="20" keywordseo="Snapdragon-X-Elite" source="keywords">Snapdragon X Elite</keyword> processor and comes with several AI-powered features.<br /><br />The EliteBook Ultra G1q uses the Snapdragon X Elite Platform and brings with it CoPiloit+, which is available exclusively to Qualcomm platforms. CoPilot+ is part of Microsoft’s new AI suite. The laptop also comes with the <keyword id="22556484" type="General" weightage="20" keywordseo="HP-AI-companion" source="keywords">HP AI companion</keyword>, the company’s AI assistant, aimed at helping boost your productivity.<br /><br />I have been using the HP EliteBook Ultra G1q for a few weeks now and here is my detailed review of the latest lightweight business laptop from HP.<br /><br />  <div type="Article" hostid="261" msid="112497472" title="Samsung Galaxy Z Fold 6 review – the complete package" mstype="2" mssubtype="0"></div><br /><h2><keyword id="23427748" type="General" weightage="20" keywordseo="HP-EliteBook-Ultra-G1q-price" source="Orion">HP EliteBook Ultra G1q price</keyword> and availability</h2>The HP EliteBook Ultra G1q comes in a single variant and is priced at ₹1,68,999. The device is available from HP Online Store and the company’s authorised online and offline retailers across the country.<br /><br /><h3>In the box</h3><ul><li>HP EliteBook Ultra G1q</li><li>Power adapter</li><li>Documentation</li></ul><h2>HP EliteBook Ultra G1q specifications</h2><table style="border-width: initial; border-style: none;" class="redcator-table-advance"></colgroup><tbody><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Particulars<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Specifications<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Display<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">14-inch 2.2K IPS<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Refresh rate<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">60Hz<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Processor<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Qualcomm Snapdragon X Elite<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">GPU<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Qualcomm Adreno Graphics<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Memory<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">16GB LPDDR5X 8400 MT/s<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Storage<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">512GB PCIe Gen 4 NVMe<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Connectivity<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">2 x USB Type-C ports, 1 x USB Type-A 3.2, 1 x audio port<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Audio<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Dual speakers<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Battery<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">59 Wh<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Weight<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">1.35 kg<br /><br /></td></tr></tbody><tbody></tbody></table><br /><h2>HP EliteBook Ultra G1q pros and cons</h2><br /><strong>Pros</strong><br /><ul><li>Lightweight</li><li>Performance</li></ul><strong>Cons</strong><br /><ul><li>Lack of ports</li></ul> <h2>HP EliteBook Ultra G1q design</h2>The HP EliteBook Ultra G1q features a minimalistic design, ideal for professionals who wish to have a laptop with a simple look. True to its price tag, the HP EliteBook G1q looks and feels premium.<br /><br />The laptop features a sleek and lightweight design, measuring 14.4mm thick and weighing and 1.35 kg. This makes it easy to carry it around with you, due to its compact form factor. I got the Atmospheric Blue colour variant, which is a shade of dark blue.<br /><br />  <div type="image" title="Top" msid="113938584" hostid="261" caption="&amp;lt;p&amp;gt;HP EliteBook Ultra G1q top design&amp;lt;/p&amp;gt;"></div><br />At the back, the device comes with a matte finish and features the company’s logo. The laptop keeps fingerprints and dust away and is easy to clean, making it look flawless.<br /><br />  <div type="image" title="Hinge" msid="113938712" hostid="261" caption="&amp;lt;p&amp;gt;HP EliteBook Ultra G1q hinge&amp;lt;/p&amp;gt;"></div><br />The laptop features a metal body, featuring 50% recycled aluminium. The hinge of the laptop is also well-built and feels very sturdy. Another good thing about the device is you can easily open the lid of the laptop with one hand.<br /><br />Despite its sleek and lightweight design, the laptop is very durable. It comes with MIL-STD 810H rating, meaning it can handle extreme stress. The laptop does not shake or wobble during use and is very stable.<br /><br />  <div type="image" title="Back" msid="113938616" hostid="261" caption="&amp;lt;p&amp;gt;HP EliteBook Ultra G1q back design&amp;lt;/p&amp;gt;"></div><br />There are ample vents at the bottom of the device to dissipate the heat.<br /><br />  <div type="image" title="Right" msid="113938652" hostid="261" caption="&amp;lt;p&amp;gt;Ports on the right side&amp;lt;/p&amp;gt;"></div><br />The EliteBook Ultra G1q comes with a USB Type-A port and an audio port on the right side.<br /><br />  <div type="image" title="Left ports" msid="113938675" hostid="261" caption="&amp;lt;p&amp;gt;Ports on the left side&amp;lt;/p&amp;gt;"></div><br />The laptop comes with two USB Type-C ports on the left side.<br /><br />Coming to the keyboard, the device comes with a chiclet keyboard that offers decent travel time and is good for typing. It comes with a backlit keyboard that allows you to easily use the device even when it is dark. The keycaps come with 50% recycled plastic.<br /><br />  <div type="image" title="KB" msid="113938690" hostid="261" caption="&amp;lt;p&amp;gt;HP EliteBook Ultra G1q keyboard and touchpad&amp;lt;/p&amp;gt;"></div><br />The touchpad on the laptop is large and is responsive and easy to use. It comes with a dedicated CoPilot button.<br /><br /><h2>HP EliteBook Ultra G1q display</h2>Coming to the display, the laptop comes with a 14-inch 2.2K IPS anti-glare display with a 60Hz refresh rate and 300 nits brightness. The panel has a resolution of 2240 x 1400 pixels.<br /><br />  <div type="image" title="Dis" msid="113938699" hostid="261" caption="&amp;lt;p&amp;gt;HP EliteBook Ultra G1q display&amp;lt;/p&amp;gt;"></div><br />The laptop comes with minimal bezels and offers good colours. The laptop is good for viewing content and working. Content on the laptop, whether for work or for entertainment looks crisp.<br /><br />The brightness, however, is slightly on the lower side. While it looks excellent indoors, it does struggle a bit when you take it outdoors in direct sunlight. If you are someone who doesn’t regularly use your laptop outdoors, this is a non-issue.<br /><br /><h2>HP EliteBook Ultra G1q performance</h2>Coming to performance, the laptop is powered by the Qualcomm Snapdragon X Elite Platform processor. The laptop is available in a single variant with 16GB LPDDR5x 8400 MHz RAM and a 512TB PCIe Gen4 NVMe M.2 SSD.<br /><br />The laptop is able to handle multi-tasking with ease, without any issues. There was no stuttering or lag, despite many applications and tabs open at once.<br /><br />The laptop’s cooling system also works well and I did not notice any abnormal heating.<br /><br />The HP EliteBook G1q comes with the Windows CoPilot+, alongside HP’s AI Companion app. The app can be used to streamline daily tasks, helping boost productivity.<br /><br />The app offers AI-powered features such as auto-framing and panning, keeping you in centre during calls. It also offers various enhancement options using AI, including the ability to reduce echoes.<br /><br />The laptop is equipped with a 59 Whr battery and offers a decent battery life, allowing you to get around 8 hours of usage. It supports 65W charging, allowing you to quickly charge the device.<br /><br /><h2>Verdict</h2>The HP EliteBook G1q is a feature-packed device designed for professionals looking for a sleek and powerful laptop. The device ticks all the right boxes, including a good design, powerful hardware and a lightweight form factor.<br /><br />At the end of the day, price does come into play and the EliteBook G1q is priced on the higher side. If you are looking to get a premium device and don’t mind the price, the EliteBook G1q is a great option.<br /><br />Disclaimer: The content on this website is for informational purposes only and should not be construed as a purchasing guide or recommendation. We advise readers to do additional research, including hands-on usage of the device at a retail outlet, before making a decision.<br /><br /><strong>SEE ALSO:<br /><br /><a href="https://www.businessinsider.in/tech/gadgets/news/samsung-galaxy-watch-ultra-review/articleshow/113520294.cms">Samsung Galaxy Watch Ultra review – premium watch with a rugged design</a><br /><br /><a href="https://www.businessinsider.in/tech/news/alienware-aw3225qf-32-inch-qd-oled-gaming-monitor-review-for-the-perfect-gaming-experience/articleshow/113404175.cms">Alienware AW3225QF 32-inch QD-OLED gaming monitor review – for the perfect gaming experience</a><br /><br /></strong><a href="https://www.businessinsider.in/tech/news/dell-latitude-9450-review/articleshow/112447785.cms"><strong>Dell Latitude 9450 2-in-1 review – a premium business laptop with a compact design</strong></a><br />

HP EliteBook Ultra G1q review – powerful hardware in a compact form factor

<ul><li>The <keyword id="22511807" type="General" weightage="20" keywordseo="Google-Pixel-9-Pro-XL" source="Orion">Google Pixel 9 Pro XL</keyword> is the latest flagship offering from Google.</li><li>The device is priced starting at ₹1,24,999 and is available in two variants.</li><li>Here’s my review of the Pixel 9 Pro XL that will help you decide if you should buy the device.</li></ul>Google launched the Pixel 9 series, consisting of the Pixel 9, Pixel 9 Pro and the Pixel 9 Pro XL, the company’s flagship smartphones a few months ago. This time around, Google launched three devices unlike last year Pixel 8 and Pixel 8 Pro smartphones.<br /><br />The Pixel 9 Pro XL is the successor of the Pixel 8 Pro, offering a similar size and features. This year’s Pixel 9 Pro offers flagship hardware while offering a smaller display and battery. With the three devices, Google is offering a similar line-up to Samsung and Apple.<br /><br />I have been using the Pixel 9 Pro XL for a few weeks now, and here’s my detailed review of the latest smartphone from Google.<br /><br /><h2><keyword id="22405856" type="General" weightage="20" keywordseo="Google-Pixel-9-Pro-XL-price" source="Orion">Google Pixel 9 Pro XL price</keyword> and availability</h2>The Pixel 8 Pro has been priced at ₹1,06,999 for the 128GB variant and ₹1,13,999 for the 256GB variant. It comes in Blue, Beige and Obsidian colour options and is available from Flipkart.<br /><br /><h2>In the box</h2><ul><li>Pixel 9 Pro XL smartphone</li><li>USB Type-C cable</li><li>SIM ejector tool</li><li>Documentation</li></ul><h2>Pixel 9 Pro XL specifications</h2><br /><table style="border-width: initial; border-style: none;"></colgroup><tbody><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Particulars<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Specifications<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Display<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">6.8-inch Quad HD+ LTPO OLED<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Refresh rate<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">120Hz<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Protection<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Corning Gorilla Glass Victus 2<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Chipset<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Google Tensor G4<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Variants<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">16GB + 256GB and 16GB + 512GB<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Rear camera<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">50MP + 48MP + 48MP<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Selfie camera<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">42MP<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Battery<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">5,060mAh<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Charging<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">37W<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Wireless charging<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">23W<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Fingerprint sensor<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">In-display fingerprint sensor<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Weight<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">221 grams<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Water resistance<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">IP68<br /><br /></td></tr></tbody></table><br /><h2>Pixel 9 Pro XL pros and cons</h2><h3>Pros</h3><ul><li>Software and performance<br /></li><li>Camera<br /></li></ul><h3>Cons</h3><ul><li>Price <br /></li></ul><h2>Design and display</h2>Google has overhauled the design of the Pixel 9 Pro XL, making major changes to the design when compared to the Pixel 8 Pro. The search giant has opted for a flat display, flat sides and a revamped camera module.<br /><br /><div type="image" title="Back 2" msid="115487059" hostid="261" sizebytes="64462" caption="&amp;lt;p&amp;gt;Pixel 9 Pro XL rear design&amp;lt;/p&amp;gt;"></div><br />The device comes in Hazel, Porcelain, Rose Quartz, and Obsidian colour options. I tested the Rose Quartz colour variant of the device.<br /><br /><div type="image" title="right side" msid="115487089" hostid="261" sizebytes="52702" caption="&amp;lt;p&amp;gt;Rounded corners on the Pixel 9 Pro XL&amp;lt;/p&amp;gt;"></div><br />The device comes with flat sides, with rounded corners for its aluminium frame, that give it a premium feel while holding. At first look, you may get an iPhone-like look, with people even mistaking it for an iPhone during my usage, but this clears up immediately after looking at the pill-shaped camera module.<br /><br />The aluminium frame comes with a glossy finish and is slightly slippery. The aluminium frame also attracts dust fingerprint smudges easily. For these reasons, it might be a good idea to use the device with a case.<br /><br /><div type="image" title="Camera" msid="115487108" hostid="261" sizebytes="28950" caption="&amp;lt;p&amp;gt;The pill-shaped camera module&amp;lt;/p&amp;gt;"></div><br />It comes with a large pill-shaped camera module that houses the triple camera setup, a temperature sensor and the LED flash. Apart from the camera module, the device comes with Google’s logo at the back.<br /><br /><div type="image" title="Right" msid="115487125" hostid="261" sizebytes="62716" caption="&amp;lt;p&amp;gt;Power button and volume rockers on the right&amp;lt;/p&amp;gt;"></div><br />The power button and the volume rockers are placed on the right side. Unlike a lot of other devices, the Pixel 9 Pro XL continues to place the power button on top and the volume rockers below it.<br /><br /><div type="image" title="Bottom" msid="115487162" hostid="261" sizebytes="47264" caption="&amp;lt;p&amp;gt;Ports at the bottom&amp;lt;/p&amp;gt;"></div><br />At the bottom, you get the speaker grille, a USB Type-C port, a microphone and the SIM tray.<br /><br /><div type="image" title="IMG20240818172922" msid="115487276" hostid="261" sizebytes="46502" caption="&amp;lt;p&amp;gt;Pixel 9 Pro XL top&amp;lt;/p&amp;gt;"></div><br />At the top, you get the mmWave antenna cover and a microphone.<br /><br /><div type="image" title="Ch" msid="115487285" hostid="261" sizebytes="30756" caption="&amp;lt;p&amp;gt;Made in China text on the Pixel 9 Pro XL&amp;lt;/p&amp;gt;"></div><br />On the left, apart from antenna lines, the device comes with “Made in China” written for some reason.<br /><br />Coming to the display, the Pixel 9 Pro XL comes equipped with a large 6.8-inch Quad HD+ LTPO OLED display with a 1-120Hz refresh rate, up to 3,000 nits brightness and Corning Gorilla Glass Victus 2 protection.<br /><br /><div type="image" title="Display" msid="115487313" hostid="261" sizebytes="72596" caption="&amp;lt;p&amp;gt;Pixel 9 Pro XL display&amp;lt;/p&amp;gt;"></div><br />The device sports a good display, which offers accurate colours and offers good visibility, even in direct sunlight. The display is excellent, with the high refresh rate offering a good experience while gaming and watching content.<br /><br /><h2>Software and performance</h2>The Pixel 9 Pro XL runs on Android 14 out of the box and is promised to get seven years of Android updates and security patches. The software is the highlight of the Pixel lineup and the Pixel 9 Pro XL is no different. The device offers an Android experience as imagined by Google, the operating system maker.<br /><br />As expected, the device comes loaded with AI features in the form of Gemini. To enable users to make the most out of the AI features, Google is offering a one-year premium subscription to Pixel 9 Pro XL users, giving them access to Gemini Advanced, 2TB of Google Drive storage and more.<br /><br />The device comes pre-installed with Pixel Studio, a new GenAI image generation app from Google, allowing users to generate images easily on the go.<br /><br />You also get access to Gemini Live, a live-chat version of Gemini, which allows for voice-enabled interactions.<br /><br />In what might excite most photography enthusiasts like myself, the device also comes with a more powerful Magic Editor, giving access to a ton of new tools.<br /><br />Talking about AI and photography, the new Add Me feature is excellent, especially for those who often end up being the ones to take group pictures and regret not being in them. The new Add Me feature allows you to take a group picture and then hand your phone to your friend and then join the group for another picture, then using AI to blend them into one image to make the perfect group picture.<br /><br />I used this feature during one of my trips and found it to be quite useful. Once you get the hang of it and remember to stand in the correct place, it works quite well.<br /><br />The Pixel 9 Pro XL is powered by the Google Tensor G4 chipset built on Samsung’s 4nm process. It comes with 16GB of RAM and offers up to 512GB of internal storage.<br /><br />If you are hoping for a drastic performance improvement compared to the predecessor, you might be disappointed. It offers an incremental improvement in performance but can easily handle everything that you throw at it.<br /><br />One area the chipset and the device has improved a lot over the Pixel 8 Pro is thermal management and proper connectivity. These were some of my biggest issues with the last-gen devices and Google has made a significant improvement in this aspect.<br /><br />The Pixel 9 Pro XL is powered by a 5,060mAh battery with 37W wired and 23W wireless charging support. The device offers a day’s battery life with normal usage.<br /><br /><h2>Camera</h2>The camera is the strongest selling point of Pixel smartphones, and unsurprisingly, the Pixel 9 Pro XL excels in this regard.<br /><br /><div type="image" title="Rear cam" msid="115487382" hostid="261" sizebytes="53002" caption="&amp;lt;p&amp;gt;Pixel 9 Pro XL rear camera&amp;lt;/p&amp;gt;"></div><br />Coming to the camera department, the Pixel 9 Pro XL features a triple camera setup at the back, consisting of a 50MP primary camera with Samsung GN2 sensor with OIS, a 48MP ultra-wide-angle camera with Sony IMX858 sensor and a 48MP 5X telephoto camera with Sony IMX858 sensor with up to 30x digital zoom.<br /><br /><div type="image" title="PXL_20240818_123753737" msid="115487547" hostid="261" sizebytes="186394" caption="&amp;lt;p&amp;gt;Image captured while moving&amp;lt;/p&amp;gt;"></div><br />The smartphone supports zero shutter lag, which means it captures photos at the same moment you tap on the shutter button. This is very handy when trying to capture moving subjects, especially kids and pets.<br /><br /><div type="image" title="PXL_20240818_124521580" msid="115487564" hostid="261" sizebytes="84032" caption="&amp;lt;p&amp;gt;Image captured in natural lighting&amp;lt;/p&amp;gt;"></div><br />The smartphone’s daylight camera performance was excellent, with accurate colour reproduction, dynamic range, and well-defined details. The portrait mode is excellent in both daylight and indoor conditions.<br /><br /><div type="image" title="n" msid="115487621" hostid="261" sizebytes="147076" caption="&amp;lt;p&amp;gt;Image captured using night mode&amp;lt;/p&amp;gt;"></div><br />The Pixel 9 Pro XL also performs excellently in low-light and night conditions, capturing well-detailed, colour-accurate photos despite the challenging lighting conditions. The images turned out to be sharp and clear, with adequate details and minimal noise.<br /><br />On the front, the Pixel 9 Pro XL features a 42MP selfie camera. The front camera can easily capture good selfies in normal lighting and low light conditions.<br /><br /><h2>Verdict</h2>The Pixel 9 Pro XL is the best device in the current Pixel lineup and one of the best Android smartphones out there. The device offers an excellent user experience, a premium design and good cameras. It offers good performance and ample storage, ticking off a lot of the boxes.<br /><br />At the same time, the Pixel 9 Pro XL commands a premium price and while enthusiasts may like the stock Android experience, the lack of customisation may not be everyone’s cup of tea. If you are looking for a stock Android experience with powerful hardware and are willing to pay a premium, the Pixel 9 Pro XL is an excellent option.<br /><br /><em>Disclaimer: The content on this website is for informational purposes only and should not be construed as a purchasing guide or recommendation. We advise readers to do additional research, including hands-on usage of the device at a retail outlet, before making a decision.</em><br /><br /><strong>SEE ALSO:<br /><br /><a href="https://www.businessinsider.in/tech/mobile/news/samsung-galaxy-z-fold-6-review/articleshow/112497472.cms">Samsung Galaxy Z Fold 6 review – the complete package</a><br /><br /><a href="https://www.businessinsider.in/tech/mobile/news/oneplus-12-review/articleshow/108723955.cms">OnePlus 12 review: A feature-packed device with promising battery back-up</a><br /><br /></strong><a href="https://www.businessinsider.in/tech/news/asus-rog-zephyrus-g16-review/articleshow/115054981.cms"><strong>Asus ROG Zephyrus G16 gaming laptop review – With a big AI boost</strong></a><br />

Google Pixel 9 Pro XL review – the best Android experience

<ul><li>The worldwide <keyword id="21407807" type="General" weightage="20" keywordseo="tablet-market" source="keywords">tablet market</keyword> has reported growth for the third consecutive quarter in Q3 2024.</li><li>39.6 million tablets were shipped worldwide during Q3 2024.</li><li>Apple and Samsung continued to dominate the market, with a combined market share of nearly 50%.</li></ul> Worldwide <keyword id="1462107" type="General" weightage="20" keywordseo="tablet-shipments" source="Orion">tablet shipments</keyword> continued to record good growth for the third consecutive quarter after over two years of decline. Tablet shipments recorded a year-on-year growth of 20.4% in Q3 2024, after reporting a 22.1% year-on-year growth in Q2 2024.<br /><br />According to a report by IDC, 39.6 million tablets were shipped worldwide in Q3 2024, up from 32.9 million devices shipped in Q3 2023.<br /><br />While the tablet market is not expected to reach the levels recorded during the pandemic with an increase in online education and work-from-home, the increase in shipments is part of a refresh cycle.<br /><br />"There are several appealing opportunities for vendors to increase their presence in the tablet market - collaboration with educational institutions, entertainment and gaming, cross-device connectivity, integrations in healthcare and many more,” said Anuroopa Nataraj, senior research analyst, IDC Mobility and Consumer Device Trackers.<br /><br /><h2>Amazon records the highest growth</h2><table style="border-width: initial; border-style: none;"></colgroup><tbody><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Company<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Q3 2024<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Q3 2023<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Change<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Apple<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">12.6<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">12.4<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">1.61%<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Samsung<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">7.1<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">6<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">18.33%<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Amazon<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">4.6<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">2.2<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">109.10%<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Huawei<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">3.3<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">2.3<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">43.48%<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Lenovo<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">3<br /><br /></td><td style="border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">2.6<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">15.38%<br /><br /></td></tr></tbody></table><br /><em>Units in millions, Source: IDC</em><br /><br />Apple, which currently leads the market reported a 1.61% growth in shipments from 12.4 million units in Q3 2023 to 12.6 million in Q3 2024. As per the report, the new iPad Pro performed below expectations due to its pricing.<br /><br />Samsung has emerged second with 7.1 million units shipped in Q3 2024, up from 6 million units shipped in Q3 2023, recording a growth of 18.33%.<br /><br />Amazon is back in the top five, occupying the third position with 4.6 million devices shipped in Q3 2024, up from 2.2 million devices shipped in Q3 2023, recording a 109.1% growth, making it the company to record the highest growth.<br /><br />Huawei shipped 3.3 million units in Q3 2024, up from 2.3 million units in Q3 2023, recording a 43.48% growth in shipments.<br /><br />Lenovo reported a decent increase in shipments at 15.38%, shipping 3 million units in Q3 2024, up from 2.6 million during the same period last year.<br /><br /><h2>Apple and Samsung occupy nearly 50% market share</h2><table style="border-width: initial; border-style: none;"></colgroup><tbody><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Company<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#000000;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Q3 2024 market share<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Apple<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">31.70%<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Samsung<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">17.90%<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Amazon<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">11.60%<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Huawei<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">8.20%<br /><br /></td></tr><tr><td style="border-left:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Lenovo<br /><br /></td><td style="border-right:solid #000000 0.5008695000000001pt;border-bottom:solid #000000 0.5008695000000001pt;border-top:solid #000000 0.5008695000000001pt;vertical-align:bottom;background-color:#d9d9d9;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">7.60%<br /><br /></td></tr></tbody></table><br /><em>Source: IDC</em><br /><br />The tablet market is currently dominated by Apple and Samsung. The two companies hold a combined market share of nearly 50%.<br /><br />“Recent innovations in AI have begun to attract consumers willing to pay a premium price. As AI features and applications grow, more consumers will prioritise these advanced capabilities in their next purchase,” Nataraj added.<br /><br /><strong>SEE ALSO:<br /><br /><a href="https://www.businessinsider.in/tech/mobile/news/oneplus-13-announced-with-snapdragon-8-elite-6000mah-battery-and-more/articleshow/114842638.cms">OnePlus 13 announced with Snapdragon 8 Elite, 6,000mAh battery and more</a><br /><br /><a href="https://www.businessinsider.in/tech/mobile/news/indian-smartphone-shipments-up-3-in-q3-vivo-leads-the-market/articleshow/114840345.cms">Indian smartphone shipments up 3% in Q3, Vivo leads the market</a><br /><br /></strong><a href="https://www.businessinsider.in/tech/mobile/webstories/upcoming-smartphones-launching-in-india-in-november-2024/slidelist/114836760.cms"><strong>Upcoming smartphones launching in India in November 2024</strong></a><br />

Worldwide tablet shipments grow by 20.4% in Q3 2024, Apple leads with over 31% market share

A day before the official release of India's Gross Domestic Product (<keyword id="35050" type="General" weightage="20" keywordseo="GDP" source="Orion">GDP</keyword>) figures for <keyword id="21593310" type="General" weightage="20" keywordseo="Q1-FY25" source="keywords">Q1 FY25</keyword>, a report by <keyword id="20548750" type="General" weightage="20" keywordseo="Anand-Rathi" source="keywords" meta.keywordsubtype="org" meta.entityname="Anand Rathi" meta.hostid="261" meta.entityid="Anand Rathi">Anand Rathi</keyword> research estimates the GDP to grow by 7 per cent, primarily driven by the robust performance of the services sector.<br /><br />The financial advisory firm also maintains its full-year <keyword id="19972825" type="General" weightage="20" keywordseo="GDP-growth" source="keywords">GDP growth</keyword> projection at 7 per cent, though it warns of potential downside risks.<br /><br />Utilities GVA is expected to rise by 11.5 per cent, while the construction sector has slowed due to election-related disruptions and the impact of heat. The mining sector remains strong, supported by increased coal production.<br /><br />The services sector is expected to be the primary driver of GDP growth in Q1 FY25. Despite reduced <keyword id="20155204" type="General" weightage="20" keywordseo="government-spending" source="keywords">government spending</keyword> ahead of the elections, which is likely to dampen growth in some service sectors, financial, real estate, and professional services are expected to have performed well.<br /><br />This performance is attributed to strong market activity and credit growth. However, the trade and transport sectors present a mixed picture, with some indicators showing improvement while others remain moderate. Overall, Services Gross Value Added (GVA) is expected to grow by 8.2 per cent in Q1 FY25.<br /><br />As per the report, Investment was a key growth driver in FY24, fuelled by government infrastructure projects and a real estate upswing. However, the momentum appears to have slowed in Q1 FY25 due to pre-election restrictions. Despite this, the report predicts a significant rise in government capital expenditure in the coming months, supported by greater budget allocations.<br /><br />The report highlights the changing dynamics of private consumption in India. FY24 saw weak consumption, especially in rural areas, with final consumption expenditure growing by just 3.8 per cent.<br /><br />However, as FY25 begins, there are signs of a rural revival. Indicators such as increased two-wheeler sales and improving Fast-Moving Consumer Goods (FMCG) volume growth signal a rebound in rural demand.<br /><br />In contrast, urban demand continues to show signs of sluggishness. The muted sales of passenger vehicles, weaker retail credit transfers, and flat Goods and Services Tax (GST) collections underscore this trend.<br /><br />While consumption is not expected to see a significant rise in Q1 FY25, the outlook for the remainder of the year appears positive. This optimism is bolstered by anticipated higher agricultural output and sharper government focus on rural areas.<br /><br />The agriculture sector is expected to post a subdued growth of 2.1 per cent in Q1 FY25, affected by scorching heat and uneven rainfall last year, which led to lower reservoir levels and hindered farming activities. However, the outlook is more promising for the remainder of the fiscal year, with better rains and improved sowing conditions expected to boost agricultural output<br /><br />Additionally, a rebound in stamp duty collections suggests buoyant real estate sales. Private capital expenditure, which was previously subdued, is expected to expand in FY25, driven by rising capacity utilisation and strong order books.<br /><br />The industrial sector, which grew by 9.5 per cent in FY24, is expected to see a shift in growth drivers in Q1 FY25. The focus is now moving towards utilities and mining, with manufacturing growth slowing.<br /><br />While government infrastructure projects and private capital expenditure will continue to support industrial growth, the global growth slowdown poses potential risks.<br />

Anand Rathi anticipates Q1 FY25 GDP growth at 7%, a little lower than RBI's estimate of 7.1%

Imagine this. You have a younger sibling you’re mighty envious of. And why not? Unlike you, they seem to enjoy all the freedom and money in the world. They party like there’s no tomorrow, and here you are, stuck in a boring, ultra-disciplined but responsible routine that feels completely devoid of any independence, and mostly, funds.<br /><br />But of late, things are changing. This sibling is in massive trouble and just cannot escape the parent’s wrath anymore. Long story short, the party is over, and it is time to go back home. The rising defaults on this sibling’s part have now begun pulling the entire house down, thereby attracting the regulator’s ire.<br /><br /><h2>The Wild West of microfinance and unsecured loans</h2>It's hard to ignore the issues with microfinance and unsecured loans in India.<br /><br />Many saw them as a small gamble and ignored the rising defaults much like the younger siblings’ tantrums, and now they find themselves in hot waters. The skyrocketing instances of non-payments aren't a micro-issue anymore and are threatening the stability of the entire banking system.<br /><br />In the quarter ended September 30, 2024, 5 of India’s 8 largest private sector <keyword id="19934118" type="General" weightage="20" keywordseo="banks" source="keywords">banks</keyword> reported a steep rise in their bad loan book, mostly thanks to microfinance loans.<br /><br />Some banks, in a bid to strengthen their fortress against these <keyword id="142154" type="General" weightage="100" keywordseo="bad-loans" source="Orion">bad loans</keyword>, have significantly upped their provisions. For instance, <keyword id="46717" type="General" weightage="20" keywordseo="IndusInd-bank" source="Orion">IndusInd Bank</keyword> set aside Rs 525 crore during July and September 2024 to battle the menace of defaults on microfinance loans, which make up about 9% of its total loan book.<br /><br />See, banks rely heavily on their interest income, which they earn from advancing loans. Any loan where the borrower has not paid interest to the bank or defaulted for 90 days or more becomes bad, i.e., an <keyword id="79363" type="General" weightage="20" keywordseo="npa" source="Orion">NPA</keyword>, or non-performing asset for the bank. And who likes things going bad?<br /><br />Simply put, there has been a steep rise in three areas, much to the dislike of banks and MFIs (micro-finance institutions). But hey, it's mostly their doing!<br /><ol><li>GNPA ratio (gross net performing assets): The quantum of non-performing assets a bank has in proportion to its total assets.</li><li>Provision: The amount banks set aside to take care of such NPAs.</li><li>Slippage ratio: The rate at which good girls go bad, or the speed at which good loans turn into NPAs</li></ol>But how are these plaguing the Indian banking sector? And what does the road ahead look like? We decode it for you.<br /><h2><br />Microfinance: A not-so-micro-menace</h2>Microfinance loans were initially brought forth for low-income households and individuals, i.e. for those who might not generally have access to traditional ways of credit, like bank loans and more. They don’t require collateral or an asset to be pledged in lieu of the loan, making it a tad bit easier for borrowers.<br /><br />As of June 2024, the amount of outstanding loans in the microfinance industry stood at a staggering Rs 4,20,256 crore. Of this, NBFC-MFIs accounted for 40% and banks made for 33% of these.<br /><br />In 2022, <keyword id="30067" type="General" weightage="20" keywordseo="RBI" source="Orion">RBI</keyword>, in a bid to inspire some competition in this space, did something radical-they did away with the ceiling on how much interest MFIs could charge their customers. Previously, MFIs could add up to 12% to their cost of acquiring funds to determine the final interest rate chargeable to the consumer.<br /><br />So, assuming that Bank A incurs a 5% cost to acquire funds for further loaning, A could charge up to 17% interest from the end consumer. So, interest rates were in the hands of MFIs, and boy, did they have a gala time with it.<br /><br />Instead of spurring some healthy competition, as RBI expected, MFIs and banks went rogue and all guns blazing, competing for the title of “Who will charge the highest interest?”<br /><br />Recently, RBI banned 4 microfinance institutions (MFIs), namely Asirvad Micro Finance Limited, Arohan Financial Services Limited, DMI Finance Private Limited, and Navi Finserv, from disbursing loans effective October 21, 2024. Why? Because they were charging 14% extra interest over their original cost of funds.<br /><br />To maintain their loan books (and pockets), banks and NBFCs resorted to shady practices like netting off loans, which RBI has now advised MFIs against. Here, lenders allow borrowers to settle a previous outstanding loan by issuing them a new loan! As crazy as it sounds, it helped banks to report less of their total assets as NPAs, since the new credit would cover pending installments of the borrower’s previous loan.<br /><br />Then there was the issue of borrowers overleveraging, i.e. taking multiple loans using different IDs from various lenders and then failing to honor any of them. The consequence? Banks and NBFCs end up with massive NPAs.<br /><br />Data from credit bureaus suggests that over the last quarter, there was a 17.2% rise in the number of borrowers who had 5 or more active loans at the same time.<br /><br /><h2>Growth &gt; Caution</h2>It's an age-old tale unfolding yet again in India’s banking sector- Icarus flew too close to the sun and eventually, fell to its death. Between April and June 2024, NBFCs microfinance portfolio jumped by 2.7%. If you see this in terms of loan sources, microfinance loans issued by banks grew by 11.2% in Q1FY25. But the same portfolio in NBFCs swelled by almost double-23.9%.<br /><br />While most of these loans had an average ticket size between Rs 30,000-50,000, there was a sharp spike in the number of loans that had a ticket size of Rs 80,000 or more. Data suggests that as of March 2024, more than 12% of all microfinance borrowers had over 4 or more active loans.<br /><br />In dating parlance, this is a classic case of borrowers going polyamorous, minus the honesty and transparency. Not the best of situations, you'd agree!<br /><br /><h2>Will banks and NBFCs stand up to this stress?</h2>If their results for Q2FY25 are to be believed, NBFCs are not handling the pressure all that well. Or even slightly well. Only a few banks like Bank of Baroda (BoB), ICICI, and Indian Bank were up for the battle, even witnessing a decline in their loan delinquencies.<br /><br />Some others, like IndusInd Bank, saw their stock dip by a massive 16.2% over the last 5 days.<br /><br />Its slippages in the previous quarter burgeoned from Rs 15.3 billion in Q1FY25 to Rs 17.9 billion in Q2. As a result, the bank pushed a staggeringly high amount of money to create an NPA cushion for itself.<br /><br />While its management has highlighted its preference for secured lending, that was hardly reflected in its actions during the quarter, where growth in unsecured personal loans remained exceptionally high at over 7% on a QoQ basis.<br /><br />Turns out, only 44% of customers in IndusInd Banks’ microfinance loan portfolio were exclusive to it. The rest 47% were, you guessed it right-polyamorous! 27% had borrowed from another lender as well, apart from IndusInd Bank, while 20% were those who had outstanding loans with two other lenders, apart from IndusInd Bank. IndusInd Bank’s credit card segment did not miss the NPA bus and accounted for 7-8% of its GNPAs.<br /><br />Canara Bank’s total slippages during the previous quarter jumped to Rs 11.1 billion, up by 24.7% QoQ, and making up for 3.6% of its total loans. As for Bandhan Bank, its <keyword id="763994" type="General" weightage="20" keywordseo="Gross-NPA" source="Orion">gross NPA</keyword> for Q2FY25 inched up on a QoQ basis, up from 4.23% in Q1, to 4.68% in the second quarter.<br /><br /><keyword id="62152" type="General" weightage="20" keywordseo="IDFC-bank" source="Orion">IDFC Bank</keyword>’s heavy provisioning for its NPAs marred its profits significantly, causing its PAT (profit after tax) to dip by 73% on a YoY basis.<br /><br />Data from ICRA Analytics suggest that the AUM (asset under management) growth in microfinance loans and unsecured (personal and business) loans by the NBFCs will moderate to 10-12% and 19-21%, respectively, in FY2025 compared to 30% and 38%, in FY2024.<br /><br />Says A M Karthik, Senior Vice President &amp; Co-Group Head, Financial Sector Ratings, ICRA, “As bank funds constitute a larger share in the overall funding of NBFCs, a slower credit flow from banks to the NBFCs will compress their AUM growth. The NBFCs in unsecured and digital lending businesses shall face a higher squeeze in funding compared to others, and the unsecured lending space will continue to be a source of stress in the near term.”<br /><br />There has been uninhibited growth in unsecured loans, apart from just the microfinance segment. For instance, Axis Bank’s gross slippages jumped by Rs 4,443 crore, largely thanks to its unsecured business. The same is the case with Yes Bank, which saw 35–40% of its retail slippages emerging from the unsecured loan portfolio. Kotak Mahindra Bank was also quick to follow Yes Bank’s suit, with around 35%-40% of its slippages coming from credit cards.<br /><br /><h2>How is the road ahead?</h2>While RBI has just cracked its whip and served a warning at the moment, experts at Morgan Stanley believe that more changes (read regulatory lashes) are underway. Moreover, with both festive and wedding seasons underway in our country, unsecured lending might pick up momentum, much to the disdain of the calibrated approach banks have been taking towards it so far.<br /><br />But if the situation doesn't improve, RBI will not waste any time in becoming the typical tyrannical Bollywood headmaster who runs his dominion with an iron fist and takes things (and ceiling rates) into their own hands. However, that's a story for another day.

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