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<ul><li>Overall household spending has increased for 59%, majorly in Northern regions, 3% dip from last month.</li><li>Highest ‘steady’ spends (33%) in essentials and lowest ‘increased’ spends(14%) in non-essential spends in the last 5 months.</li><li>Surge in steady spends in health-related items for 40% families, drop by 2% from last month.</li><li>Increased media consumption for a majority of 25% of families, Net Score improves from -4 to +1.</li></ul> Axis My India, a leading consumer data intelligence company, released its latest findings of the India Consumer Sentiment Index (CSI), a monthly analysis of consumer perception on a wide range of issues. The month of December reveals that a combined 58% engage with Digital apps / Websites + Social Media and 53% engage with television for news/latest updates. WhatsApp, Facebook, YouTube and Instagram are some of the most frequented apps my consumers with WhatsApp topping the last. Moreover media engagement in general has increased for 25% of the families, highest in the last three months. The January net CSI score, calculated by percentage increase minus percentage decrease in sentiment, was up to +10, from +8 last month The sentiment analysis delves into 5 relevant sub-indices – Overall household spending, spending on essential and non-essential items, spending on healthcare, media consumption habits &amp; mobility trends. This month, Axis My India’s Sentiment Index also probed deeper to understand consumer preferences in terms of news consumption and frequently used digital applications. Finally, the January survey also revealed consumers thoughts on 2022. The surveys were carried out via Computer Aided Telephonic Interviews with a sample size of 10563 people across 36 states. 71% belonged from Rural India while 29% belonged from urban counterparts. In addition, 64% of the respondents were male while 36% of the respondents were female. Commenting on the December report, Pradeep Gupta, CMD, Axis My India, said, “While the new year brought along hope and optimism for a better 2022, consumers purse strings suggest otherwise. The lowest dip in non-essential spending is a proof that consumers are curling back to apprehensions triggered by the new variant of the virus and also hoping for a booster dose, something which has recently been announced by the Government. Moreover, the higher preference of web for seeking news only reflect the gradual change in media consumption behaviour owing to consistent lockdown experienced by consumers in the last two years. In addition, the inclination towards WhatsApp, Facebook and YouTube reflects an evolved and unconscious mode of conversing, converging or consuming dialogue/information/media."Key findings: <ul><li>Overall household spending has increased for 59% of families which reflects a 3% decrease from the last month. While this increase is majorly reflected in the Northern part of India, the net score is at +50, reflecting the dip in net score by 1 percentage point for 3rd consecutive month.</li><li>·Spends on essentials like personal care &amp; household items has increased for 47% of the families showcasing a surge in the Northern part of India. Spends however remain the same for 33% of the families (the highest in the last 5 months). The net score which was +27 last month comes down to +26 this month.</li><li>·Spends on non-essential &amp; discretionary products like AC, Car, Refrigerator has increased for 14% of families, indicating the lowest percentage in the last 5 months. Expenditure nevertheless remains the same for 78% of the families indicating the sentiment of people living in Southern part of India. The net score is stagnant at +6 as last month.</li><li>·Consumption on health-related items more or less remains the same for 43% of the families, while a surge is witnessed among 40%. In comparison to last month, while the ‘increase’ in consumption represents an overall dip by 2%, the ‘same’ consumption reflects an overall surge by 2%. The health score which has a negative connotation i.e., the lesser the spends on health items the better the sentiments, has a net score value of -23, which was at -25 previous month.</li><li>·Consumption of media has increased for 25% of the families reflecting an increase of 3% from the last month and the highest in the last three months. This surge is reflected among 18-25 YO in Eastern part of India. Consumption remains the same for a majority of 51% families. The overall, the Net score of this month is at +1 as compared to -4 for the previous month.</li><li>·85% families said that they are going out the same for short vacations, mall and restaurants as compared to 81% of families last month. Only 6% of families recorded increase in outgoing activities while 9% reported reduced mobility. The overall mobility score which was at -5 last month is at -3.</li></ul>

WhatsApp is the most frequented app, followed by Facebook and YouTube: Report

<ul><li>Over 10552 people surveyed 64% is from rural India while 36% is from urban India.</li><li>Unchanged media consumption for a majority of 52% families, regular media consumption habits settling in.</li><li>Combined 27% prefer Hindi and regional websites and apps while 24% prefers English, reflecting 60% of the youth.</li><li>27% people watch <keyword id="1245953" type="General" weightage="100" keywordseo="ott" source="Orion">OTT</keyword>, Majority of the OTT viewers between the age of 18-35, prefer <keyword id="2739840" type="General" weightage="20" keywordseo="hotstar" source="Orion">Hotstar</keyword>, followed by <keyword id="758541" type="General" weightage="20" keywordseo="amazon-prime" source="Orion">Amazon Prime</keyword> and <keyword id="128682" type="General" weightage="20" keywordseo="netflix" source="Orion">Netflix</keyword>.</li></ul> <keyword id="5043207" type="General" weightage="20" keywordseo="axis-my-india" source="Orion">Axis My India</keyword>, a leading consumer data intelligence company, released its latest findings of the India Consumer Sentiment Index (CSI), a monthly analysis of consumer perception on a wide range of issues. The month of November reveals same media consumption for the majority of the families as last month. Consumer’s online behaviour further reflect a preference of Indian languages over others. Among top OTT platforms Hotstar, Amazon Prime, Netflix, <keyword id="3739690" type="General" weightage="20" keywordseo="jio-tv" source="Orion">Jio TV</keyword> and MX Player were among the top choices. The December net CSI score, calculated by percentage increase minus percentage decrease in sentiment, was down to +8, from +9 last month and first time slight dip in the net score is observed since past 4 months, a reflection of the post-festive period sentiment. The sentiment analysis delves into 5 relevant sub-indices – Overall household spending, spending on essential and non-essential items, spending on healthcare, media consumption habits &amp; mobility trends. This month, Axis My India’s Sentiment Index also delved deeper to understand consumer’s consumption in the digital ecosystem in terms of OTT platforms, language preferences. Consumer sentiment was also tracked to understand their expenses in terms of discretionary products and investment preferences. In addition, the survey tracked consumer’s opinion on India’s performance in the T20 Word Cup. The surveys were carried out via Computer Aided Telephonic Interviews with a sample size of 10552 people across 36 states. 64% belonged from Rural India while 36% belonged from urban counterparts. Commenting on the November report, Pradeep Gupta, CMD, Axis My India, said, “With the year approaching to an end, we witness consumer’s gradual return to normalcy though a slight drop in Net Promoter Score also demonstrates that the impact of festive spending is slowly tapering. While media consumptions remain standard for majority, our CSI Survey has further revealed that consumers from the north as well as the south favour vernacular languages when engaging with the digital mediums. This insight opens up opportunities for various local as well as national and international players in terms of where &amp; in which form to place their brand content and advertisements. Moreover it is interesting to note that inspite of a plethora of new age tech firms coming up with IPOs, Indian consumers still prefer to park their confidence in established companies and Government owned stocks and shares, providing a contrarian approach to the FOMO investing theory.” Key findings: ·Overall household spending has increased for 62% of families which reflects a 1% decrease from the last month. This increase is majorly reflected in the northern part of India ·The increase in spends on essentials like personal care &amp; household items stands at 49% showcasing a surge in the north and south of India. The net score which was +27 last month remains the same for this month. Percentage of families whose consumption remain same as last month has increased by 2% from last month. ·Spends on non-essential &amp; discretionary products like AC, Car, Refrigerator has increased for 15% of families. While the increase in non-essential spends has decreased by an overall 3% from last month. The net score therefore which was at +9 last month has reduced to +6. The increase in spends is however identified in north and eastern part of India ·Consumption on health-related items has increased for 42% of families which overall represents the lowest percentage in the last three months. The health score which has a negative connotation i.e., the lesser the spends on health items the better the sentiments, has a net score value of -25. ·Consumption of media remains the same for a majority of 52% families which reflects the highest percentage since the last four months and is majorly from the south of India. Consumption has increased for 22% of the family, majorly from east and north, majorly amongst 18YO-25YO and 26YO-35YO. Overall, the Net score of this month is at -4 as compared to -2 for the previous month. ·81% families said that they are going out the same for short vacations, mall and restaurants as compared to last month. This represents a steady increase in movement from 78% in August to 3% increase in November. Increase in movement is majorly seen in the south of India and the least in the North. Increase in mobility is further seen concentrated among the 18YO-25YO. The overall mobility score is at -5. On topics of current national interest: <ul><li>·Axis My India further gauged consumer’s sentiment on their digital behaviour. A combined 27% said that they prefer engaging with websites and mobile applications in Hindi and other regional languages while 24% preferred English. Moreover it was identified that 31% of the population that resides in the southern part of India prefers using apps and websites in the English language, whereas 27% in the northern belt prefers engaging with Hindi based apps and networks. In addition, regional language based apps and sites reflected the choice of southern India at 34%. In addition it was discovered that majority of the youngsters (60%) amongst 18-25 prefer digital interactions in English, whereas those above 51 prefer Hindi and other regional languages.</li><li>·When asked if they spend time watching content on OTT or video streaming platforms, only 27% said yes whereas 73% reflected their view otherwise demonstrating the scope of penetration. Majority of the viewers are of the age of 18-35. Of the people who prefer OTT content, a majority directed their choice towards Hotstar followed by Amazon Prime and Netflix.</li><li>·In terms of investment choices in stock and shares, 17% and 12% showcased their preference towards Private Companies and Government-owned respectively. Only 1% said they preferred to invest in IPOs, contrary to the euphoria around new generation IPO’s</li><li>·Capturing consumer indulgence, Axis My India survey showcased that only 7% bought discretionary product this month like AC, TV, Fridge etc. Out of which 34% further claimed to have bought a 2-Wheeler, whereas a mighty 21%, 18% and 9% have spent on Television, Fridge and Car respectively.</li><li>·Gauging views around Team India’s average performance in T20 World Cup 2021, the survey further discovered that out of those who have watched ICC T20 WC, 48% believe that it is due to the team selection while 23% believe it was a result of player fatigue.</li></ul>

OTT penetration stands at 27%, Hotstar is the preferred choice for a majority of the OTT viewers: Report

<ul><li>Over 10430 people surveyed 62% is from rural India while 38% is from urban India.</li><li>Overall household spending has increased for 63% of families surge by 7 percentage points from last month.</li><li>50% of families reflect increase spends on essentials items, 18% of households reported an increase in Non-essential purchases.</li><li>Digital (38%) is now the 2nd most important source of brand awareness after TV (44%).</li><li>36% of the consumers are planning to go beyond small-ticket purchases.</li><li>59% of the consumers hope for a more cheerful and happy Diwali this year compared to last year.</li></ul><keyword id="5043207" type="General" weightage="20" keywordseo="axis-my-india" source="Orion">Axis My India</keyword>, a leading consumer data intelligence company, released its latest findings of the India Consumer Sentiment Index (CSI), a monthly analysis of consumer perception on a wide range of issues. Reflecting the view of the majority, the survey for the month of October reveals that media consumption remains the same for 48% of the families while the same has increased for a 25%. In addition, a combined 82% said that they had seen more ads on TV and Digital platforms over others. The November net CSI score, calculated by percentage increase minus percentage decrease in sentiment, was recorded at +9, up from +7 last month and rising at a constant pace over the last three months, indicative of a positive shift in consumer consumption metrics. The sentiment analysis delves into 5 relevant sub-indices – Overall household spending, spending on essential and non-essential items, spending on healthcare, media consumption habits &amp; mobility trends. This month, Axis My India’s Sentiment Index also delved deeper to understand consumers view on varied issues of national interest. These include privatisation of loss making public sector companies like that of Air India, views on economic recovery by 2022, alternatives to rising fuel prices, investment preferences, sentiments around Diwali and on brand advertisement placements. The surveys were carried out via Computer Aided Telephonic Interviews with a sample size of 10430 people. 62% belonged from Rural India while 38% belonged from urban counterparts. Commenting on the October report, Pradeep Gupta, CMD, Axis My India, said, “With the festivities at its peak, one can easily witness consumer’s excitement in terms of loosening their purse strings for varied expenses and experiences. While Diwali has triggered spending on products of personal indulgence (like 2-wheeler/4-wheelers or jewellery) and household items, the upcoming festivities and enthusiastic consumer sentiment will further set the momentum for the last half of this year. In addition, one can also witness a transition in terms of preferences amongst consumers’ like opting for EVs or cheering for privatisation of loss making companies. The growth of digital as a medium of advertising overtaking Print &amp; just after TV reflects the change in media consumption habits which was triggered by the pandemic. Lastly our survey shows that a vast majority of India is still not investing in this age of cryptocurrencies, it would be interesting to see how financial players beyond traditional banks can capture and convert their interests for investments using varied instruments.” Key findings: · Overall household spending has increased for 63% of families which reflects an 7% increase from the last month. This increase is highest in Northern India. · The increase in spends on essentials like personal care &amp; household items stands at 50% reflecting a surge by 5%. The net score which was +20 last month has increased to +27 this month. The growth in Rural India is slightly higher as compared to Urban markets. · Spends on non-essential &amp; discretionary products like AC, Car, Refrigerator has increased for 18% of families. For 73% spends on non-essential purchases remain the same which reflects an uptick of 3% from last month. The non-essentials November net score therefore lies at +9. The trend on spends on discretionary products reflect a fine balance between caution and indulgence. · With more exposure to outside activities, importance of health bounced back quickly. Consumption on health-related items increased for 47% of families as compared to 44% last month. The health score which has a negative connotation i.e. the lesser the spends on health items the better the sentiments, has a net score value of -27. · Consumption of media remains the same for a majority of 48% families and increased for 25% of the family, reflecting an overall Net score of -2 as compared to base value of 0 for the previous month. · Mobility net score reflects a constant improvement over the last four months. 88% families said that they are going out the same or more on getaways/staycations /mall/restaurants, with travel bans being lifted and double vaccination providing easier movement opportunities. The overall mobility score is at -4 which is an improvement over last month which was at -5. This reflects slow but consistent progress in people’s sentiments for engaging in out of home activities On topics of current national interest: · While the long awaited sale of Air India to the Tata group reflected a hopeful future for the airline. Axis My India further gauged consumer’s sentiment on whether or not the government should privatise other loss making public sector companies. 46% is in agreement to privatisation of such companies while 36% disagreed with this view. · When asked if economy/livelihood and business is expected to bounce back by January 2022, 41% believes that the same is possible and Southern India being more optimistic with 54% agreeing to this. · With rising prices fuel being a concern, 48% are optimistic of shifting to electric vehicles wherein 33% and 15% said that they will consider buying a 2-wheeler and 4-wheeler respectively in this segment. The younger age group of 18-35 have a more likelihood, with 53% in agreement to an EV shift. · In terms of brand advertisement placements, 44% and 38% of the consumers said that they have majorly seen ads on <keyword id="6357922" type="General" weightage="20" keywordseo="television" source="Orion">Television</keyword> and on Digital platforms respectively. While only 11% and 7% of the audience believe that they have seen ads on Print or Outdoor. This reflects the changing media consumption habit and the surge both in Digital consumption &amp; advertising. This digital growth is led by 26-35 yr audience. · Sharing their views on financial planning, a majority of 23% still prefers to park their money in savings account, while a combined 12% prefers to invest in Fixed Deposits, Shares/stock market and mutual funds. Gold is still seen as a reliable investment option for 4% of the consumers. 40% of the audience still don’t invest and interestingly 2% still save their money in post offices. · Gauging views around the Diwali festivities, Axis My India, further discovered that 36% of the consumers are planning to go beyond small-ticket purchases this festive season. While 24% are looking to spend on household or personal items like White Goods (AC, TV, Washing Machine, Refrigerator etc.), furniture, electronics and jewellery; 9% is looking to buy a 4-Wheeler or a 2-Wheeler. Further from a purely sentimental outlook, 59% of the consumers reflect the view of a more hopeful and cheerful Diwali this year!

Digital is now the second most important source of brand awareness after TV: Report

<ul><li>46% of families will shop clothes over big ticket items on account of Dusshera/Diwali.</li><li>76% of the families will use their personal savings for making purchases this festive season.</li></ul><keyword id="5043207" type="General" weightage="20" keywordseo="axis-my-india" source="Orion">Axis My India</keyword>, a consumer data intelligence company, released its findings of the India <keyword id="991354" type="General" weightage="20" keywordseo="consumer-sentiment-index" source="Orion">Consumer Sentiment Index</keyword> (CSI), a monthly analysis of consumer perception on a wide range of issues, for the month of September. The net CSI score, calculated by percentage increase minus percentage decrease in sentiment, was recorded at +7, rising at a constant pace over the last three months, indicative of a positive shift in consumer consumption metrics. The sentiment analysis delves into 5 relevant sub-indices – Overall household spending, spending on essential and non-essential items, spending on healthcare, media consumption habits &amp; mobility trends. This month, Axis My India’s <keyword id="412367" type="General" weightage="20" keywordseo="consumer-sentiment" source="Orion">Consumer Sentiment</keyword> Index also delved deeper to understand perception around festival spends, pre and post Covid behavioural changes in terms of online purchase and UPI/wallet payment and citizen’s interest in IPL. The surveys were carried out via Computer Aided Telephonic Interviews with a sample size of 10639 people. 59% belonged from Rural India while 41% belonged from urban counterparts covering 28 states and 8 union territories. Commenting on the September report, <keyword id="182602" type="General" weightage="20" keywordseo="pradeep-gupta" source="Orion">Pradeep Gupta</keyword>, CMD, Axis My India, said, “As the pandemic retreats, we are seeing a steady return to normalcy, but with a cautious control over spending considerations. This is highlighted in the survey as 46% of the respondents will prefer spending on small ticket items such as clothes, while only 11% of the respondents will consider buying a two-wheeler or car. Expenditure on household essentials is more or less same since the last two months. However, expenditure on healthcare decreased compared to last month, suggesting people are being decreasingly affected by the pandemic. While 27% respondents reported an increase in UPI transactions, almost 49% still don’t use UPI/Wallets, suggesting a tremendous opportunity in digital payments. IPL has proved its unparalleled reach and what is emerging as a trend is that audiences are increasingly viewing it on digital especially in tier 3/rural markets which still have electricity cuts &amp; are single TV households." Key findings: ·Overall household spending has increased for 56% of families which is same as last month. ·The spends increase on essentials like personal &amp; household care is at 45%. The net score is almost the same as last month which is at +20. ·Spends on non-essential &amp; discretionary products like AC, Car, Refrigerator increased for 19% of families. This increase is highest in North &amp; East whereas the increase in South is only 8%. This increase still reflects an overall decrease by 2 percentage points from the previous month which stood at 21%. This can also be because 20th Sep – 6th Oct is considered the ‘Shradh period’ when high value purchases are postponed. The non-essentials September net score is at +7. ·Health continues to be an important consideration, with consumption on health-related items being increased for 44% of families and decreased only for 19% families. The health score which has a negative connotation i.e. the lesser the spends on health items the better the sentiments, has a net score value of -25. ·Consumption of media reflects increase for 26% families, with an increase of 1 percentage point over last month &amp; consumption remained same for 48%. Net score has improved from -3 last month to the base value of 0 this month. ·Constant improvement in mobility net score is being recorded since past three months which indicates a steady return to normalcy. In terms of mobility 88% families are saying they are going out the same or more on short vacations/mall/restaurants, with the overall mobility score is at -5 which is an improvement over last month which was at -8. This reflects a slight progress in people’s sentiments in terms of conducting outside activities. On topics of current national interest: ·When asked on shopping plans for Dusshera/Diwali, 46% of families said they will shop clothes while only 11% intend to buy a 4-wheeler or a 2-wheeler. More than 88% of the families denied any interest in buying white goods (AC, TV, Washing Machine, and Refrigerator) or jewellery this festive season. In addition, 92% showcased negative sentiment towards buying home, plot, or a commercial property. The consumer sentiment for the month also reflects that 76% of the families will use their personal savings for making these purchases while only 21% would prefer taking loan from the bank or financial companies. This gives an indication that while buying spirit is moderate this festive season, the ticket size for purchase still remains small reflecting a cautious spending behaviour without denting one’s personal savings. ·In terms of online shopping behaviours 33% are buying electronics like laptop, mobile etc. online while high value items like jewellery and groceries (fresh food, rice, oil and meat) are still bought physically, indicating the view of 90% and 92% of the consumers respectively. Furthermore, banking and investment behaviour reflect a combination of both offline and online hybrid behaviour standing at 19%. ·40% of Indian’s mentioned that they have watched IPL at least once. When asked, where will you continue to watch the remaining season of IPL, 31% of those who watching mentioned that they are watching it online. Interestingly percentage of audience watching online is higher in Rural India. ·Reflecting a transformation in consumer payment behaviour in the post-covid period, 27% have said that they have increased their usage of UPI/wallet payments (Paytm/Phonepe, Google Pay) while 49% still don’t use these online transaction mediums. Interestingly the increase in usage of UPI payments is gradually decreased with increase in age of respondents. The increase is highest for the age group of 18-25 years which is at 36%.

40% of India has watched IPL at least once, 31% of those watched have viewed it on a digital platform: Report

The handsome credit growth witnessed at present will taper down next year if deposit growth continues to lag behind, <keyword id="6355975" type="General" weightage="100" keywordseo="axis-bank" source="Orion">Axis Bank</keyword> chief executive and managing director <keyword id="247960" type="General" weightage="50" keywordseo="amitabh-chaudhry" source="Orion">Amitabh Chaudhry</keyword> said on Friday. <keyword id="263188" type="General" weightage="80" keywordseo="chaudhry" source="Orion">Chaudhry</keyword> also advised some caution to be exercised by the system as it witnesses a high growth at present, saying decisions made today should not haunt 5-7 years down the line. "... If the deposit growth does not continue, our projection says that credit growth can taper down in the next year," Chaudhry said, speaking at Business Today's Banking and Economic Summit here. The bank's economists are projecting that credit growth will come down to somewhere around 12-13 per cent unless something happens on the deposit side, he added. It can be noted that at present, the system is witnessing a credit growth of around 17 per cent, as against a 9 per cent growth in deposits, which has triggered what some bankers refer to as a 'war for deposits' in the system. Chaudhry said the next 5-7 years look great for India. "We have to play the role of a tiger in this aggressiveness and be willing to crouch when certain opportunities come with inherent risks," he said, hinting that under him, the bank wishes to displace larger rival ICICI Bank from the number two spot and also go ahead of HDFC Bank in the future. Recalling a comment made by him when he took charge over three years ago, Chaudhry named ICICI Bank and said, "... I said I have not joined to remain number 3. I have joined Axis Bank to take this institution to a different level. Otherwise what is the point?" <keyword id="30067" type="General" weightage="50" keywordseo="rbi" source="Orion">RBI</keyword> Governor <keyword id="6359111" type="General" weightage="50" keywordseo="shaktikanta-das" source="Orion">Shaktikanta Das</keyword> had recently explained that the two numbers look divergent because of base effects, pointing out that last year the deposit growth was higher than the credit growth, and maintained that the higher rise in loans cannot be termed as exuberant. Apart from the base effects, Chaudhry attributed the higher credit growth to refinance and a shift to bank credit from other sources, and rued that corporations continue to be cautious. "... that sense of gung-ho feeling which the media seems to be talking about, or people are saying 'oh, India ... great things will happen', I am not seeing it yet. I think the corporates are still being very careful," he said. Acknowledging that a more diverse set of sectors are witnessing investments at present, he said much of the capital expenditure is directed towards acquisitions or acquiring market share, and is not aimed at greenfield expansion which is desirable from an economic growth perspective. "The tepid growth rate in wholesale (lending) has to take off at some stage, or the GDP growth will get impacted," he made it clear. Axis Bank has stayed away from some corporate loan bets because they were not coming at the right price point which the lender considers from a risk perspective, Chaudhry said, adding that there are five-seven banks, especially some state-run ones, which are willing to price the loans lower as they chase loan growth. "While we have cleaned up our act, in this desire and aspiration to grow all of us have to realize that today we might be making mistakes which would create not a new banking crisis, but create problems for banking going forward in the future," he said. He further added that "being a banker, we always look at risk all the time. In my mind, we need to add a dose of caution to this feeling of euphoria." SEE ALSO: <a href="https://www.businessinsider.in/stock-market/news/mfs-add-hdfc-reliance-industries-kfin-tech-sula-vineyards-in-december/articleshow/96963841.cms">MFs add HDFC, Reliance Industries, KFin Tech, Sula Vineyards in December</a> <a href="https://www.businessinsider.in/finance/news/indian-inc-expects-budget-fy24-to-cushion-economy-from-global-risks-deloitte-survey/articleshow/96967472.cms">Indian Inc expects Budget FY24 to cushion economy from global risks; optimistic FY23 GDP growth will be above 6.5%: Deloitte survey</a> <a href="https://www.businessinsider.in/stock-market/news/nifty50-set-to-clock-10-increase-in-profit-in-q3-banks-likely-to-outperform/articleshow/96956814.cms">Nifty50 set to clock 10% increase in profit in Q3; banks likely to outperform</a>

Credit expansion will taper down next year if deposits growth doesn't rise: Axis Bank MD

Youth-centric beverage brand <keyword id="44672" type="General" weightage="100" keywordseo="pepsi" source="Orion">Pepsi</keyword>, on Tuesday made a blockbuster announcement that it has signed megastar <keyword id="17966" type="General" weightage="80" keywordseo="yash" source="Orion">Yash</keyword> as its brand ambassador. Yash, who shattered all geographical boundaries to become a force to reckon with, has had a hugely successful run at the box office. Sharing his excitement on coming on board as Pepsi's ambassador, the Superstar said, "I am exhilarated to engage with Pepsi and join them as the face of the brand. I believe in living life to the fullest, making the most of each moment, and following my passion unabashedly, which is synonymous with Pepsi's philosophy. A collaboration as exciting as this is a great way to start the new year, and I can't wait for my fans to see me in an all-new avatar!" Pepsi has constantly reinvented and innovated itself to be a part of the cultural fabric of India. Yash, on the other hand, has been lauded for his fearless and bold persona in Kannada cinema and enjoys a massive fanbase across the nation. This blockbuster collaboration is all set to enthrall consumers this summer. Commenting on the association, <keyword id="13127886" type="General" weightage="50" keywordseo="saumya-rathor" source="Orion">Saumya Rathor</keyword>, Category Lead, Pepsi Cola, <keyword id="110163" type="General" weightage="50" keywordseo="pepsico-india" source="Orion">PepsiCo India</keyword>, said, "We are thrilled to join hands with <keyword id="2646227" type="General" weightage="50" keywordseo="rocking-star-yash" source="Orion">Rocking Star Yash</keyword>, a name that truly defines the spirit of fearlessness and living life on your own terms - something that Pepsi consumers resonate strongly with. Yash brings a strong connection and influence over the youth that cuts across geographies. Yash will be instrumental in deepening consumer connections as we look to expand the brand's footprint. We are excited for Pepsi's journey in 2023 as we gear up to showcase the actor in an all-new avatar which is bound to leave fans pumped!" The collaboration was ushered in by Yash as he posted a video of him on Instagram taking a swig from a chilled Pepsi bottle confirming his love for the brand with his family of over 13 million followers as he says, "I love you, Pepsi!" SEE ALSO: <a href="https://www.businessinsider.in/finance/banks/news/axis-bank-q3-net-profit-grows-62-yoy-to-5853-crore-beats-expectations-even-as-provisions-and-slippages-rise/articleshow/97254942.cms">Axis Bank Q3 net profit grows 62% YoY to ₹5,853 crore, beats expectations even as provisions and slippages rise</a> <a href="https://www.businessinsider.in/business/corporates/news/amazon-launches-dedicated-air-cargo-service-for-faster-deliveries-in-india/articleshow/97246478.cms">Amazon launches dedicated air cargo service for faster deliveries in India</a> <a href="https://www.businessinsider.in/business/corporates/news/rils-q3-net-profit-stays-flat-at-15792-crore-retail-and-jio-deliver-while-o2c-drags-due-to-weak-demand/articleshow/97179878.cms">RIL’s Q3 net profit stays flat at ₹15,792 crore – retail and Jio deliver, while O2C drags due to weak demand</a>

'I love you, pepsi', says Superstar Yash as he becomes Pepsi's brand ambassador

Shares of <keyword id="188355" type="General" weightage="20" keywordseo="PTC-India-Financial-Services" source="Orion">PTC India Financial Services</keyword> declined around 18 per cent in early trade on Thursday as the company on Wednesday announced that three of its independent directors have resigned from their posts with immediate effect. At 11.15 a.m., the shares traded at Rs 21.15, down 17.5 per cent. Three independent directors were Kamlesh Shivji Vikamsey, Thomas Mathew T., and Santosh B. Nayar, respectively. They resigned over some corporate governance issues facing the company. This is apparently the first instance where all the independent directors of a company have resigned together. "We are in receipt of resignations from three independent directors mentioning some reasons. The matter will be addressed at the board level and subsequent updates will be communicated to all the stakeholders appropriately," the company said in a regulatory filing on Thursday. The company is promoted by PTC India, which is registered with RBI as NBFC. "As independent director, I have placed on record many times - specially over the past few months - my deep displeasure about the lack of appropriate information being made available to the Board," the regulatory filing in which Mathew's resignation was attached, read. "Even when supplied, I have questioned the very poor quality of information being shared with the directors as also complete disregard to timelines in flow of information to the directors between the company management and the board is necessary for the independent directors to function effectively and reasonably perform our duties," Mathew's resignation letter further read. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/stock-market/news/adani-green-jumped-45-in-2022-so-far-to-become-more-valuable-than-lt-maruti-suzuki-axis-bank/articleshow/89013318.cms">Adani Green Energy stock has jumped 45% this year to become more valuable than L&amp;T, Maruti Suzuki, and Axis Bank</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/news/justdial-cant-beat-google-and-it-should-stop-trying-to-say-analysts/articleshow/89010438.cms">JustDial can’t beat Google and it should stop trying to, say analysts</a>

PTC India Financial Services slips 18% after three independent directors resign

Adelaide, <keyword id="2600300" type="PERSON" weightage="20" keywordseo="India-skipper-Virat-Kohli">India skipper Virat Kohli</keyword> on Wednesday said that <keyword id="51784" type="PERSON" weightage="20" keywordseo="Ajinkya-Rahane">Ajinkya Rahane</keyword> will lead the side well in his absence in the last three Tests of the four-match series against <keyword id="6355478" type="LOCATION" weightage="20" keywordseo="australia">Australia</keyword> as the template is set and everyone in the <keyword id="4535" type="ORGANIZATION" weightage="20" keywordseo="team">team</keyword> is aware of their roles. Kohli will return to India after the end of the first Test that begins Thursday to attend the birth of his child. Vice-captain Rahane will step in to lead the side in the last three Tests. The Mumbai batsman led the team in the two warm-up games against Australia A. Kohli, who called leading the team a collective effort and not just him strategising in front of people, added that both he and Rahane have a mutual understanding which is based on trust. "Firstly we have had mutual understanding and respect over the years. We have had great partnerships batting together which is based on trust and understanding of what needs to be done for the team. Jinx (Rahane) has done a tremendous job in the two practice games that have happened. He seems to be very composed and knows the strengths of our team and how we need to go about things," said Kohli on the eve of the first Test at the Adelaide Oval. "Actually, the way we have played our <keyword id="1521" type="CITY" weightage="20" keywordseo="Cricket">cricket</keyword> has been a collective effort of the whole team. It is a cultural effort and not only down to me strategising in front of people. It is the whole team that is important to it. We already know the template that we play with and how we want to go about things," he added. Rahane has earlier led India twice in Test cricket -- once against Australia in Dharamsala and other against Afghanistan in Bengaluru . On both the occasions, India had emerged victorious. Kohli said that both he and Rahane are "absolutely on the same page" and exuded confidence that the middle-order batsman will do a tremendous job in leading the side in his absence. "But the focus remains, till the time I am here, to be able to do captaincy and leadership and batsmanship to the best of my abilities. From thereon I am pretty sure that Jinx will do a tremendous job. I have said this previously that this is the time to step up and strongly perform as captain and individual," said Kohli. "I think he will do a good job when I am back home. The vision remains to put in good in performances and make sure we are on the same page and that we are competing every game," he added. SEE ALSO: <a href="https://www.businessinsider.in/stock-market/news/top-stocks-to-watch-idbi-bank-pnb-bank-axis-bank-mm-embassy-reit-pvr-and-others/articleshow/79750662.cms">Top stocks to watch — IDBI Bank, PNB Bank, Axis Bank, M&amp;M, Embassy REIT, PVR, and others</a> <a href="https://www.businessinsider.in/defense/news/india-inaugurates-new-railway-line-with-bangladesh-to-save-its-chickens-neck-from-china-on-vijay-diwas/articleshow/79750869.cms">After 55 years, India will inaugurate a new railway line with Bangladesh to save its ‘Chicken’s Neck’ from China</a> <a href="https://www.businessinsider.in/finance/news/gold-loan-providers-in-india-face-a-rise-in-robberies-as-gold-prices-rise/articleshow/79752387.cms">Gold loan providers in India face a rise in robberies as gold prices rise</a>

India vs Australia Test series: Virat Kohli confident that Rahane will lead India well in his absence

<ul><li>Marked with great fanfare and fervour, Diwali is the season of not just lights, colours, and sweets but also family reunions and bonding sessions. It is the festival of homecoming and togetherness.</li><li>Brands also make the most of this shopping festival to connect with consumers and put together the biggest advertising carnival.</li><li>Here is a list of advertisements that stood out in the clutter.</li></ul>Traveling back home to spend time with our family, trying to make the perfect rangoli, untangling fairy lights to brighten up your home, and dancing after a sugar rush -- these are just a few things that make Diwali special. It is also one of the widely celebrated festivals in India that has turned into the biggest shopping festival. It is also an advertising carnival which brings up an opportunity for brands to reconnect with consumers as the overall market sentiment drastically improves. Brands pour in big monies on television, Out of Home, and digital mediums to reach out to consumers at multiple touchpoints. After a long-dry-spell, brands are making sure that they don’t miss this opportunity to reconnect with consumers and market sentiment has already picked up, as revealed by Axis My India report. Its November net CSI score, calculated by percentage increase minus percentage decrease in sentiment, was recorded at +9, up from +7 last month. It has been rising at a constant pace over the last three months, indicative of a positive shift in consumer consumption metrics. Consumers are also more willing to step out now and shop locally. The report’s mobility net score reflects a constant improvement over the last four months. 88% of families said that they are going out the same or more on getaways/staycations /malls/restaurants, with travel bans being lifted and double vaccination providing easier movement opportunities. The overall mobility score is at -4, which is an improvement over last month at -5. This reflects slow but consistent progress in people’s sentiments for engaging in out-of-home activities. This Diwali, many brands decided to shine a spotlight on heroes who went unnoticed during the most difficult phase of this pandemic. They urged consumers to support different sectors of our society who have been badly impacted by COVID-19 and are struggling to make ends meet. A few of them also reminded consumers to keep aside crackers that harm the environment and celebrate the festival of lights and kindness with their four-legged companions. All brands played a joyful role by uplifting consumer sentiment and encouraging them to enjoy the festive season once again with their heartwarming campaigns. Here are a few campaigns that caught our attention: <keyword id="136808" type="General" weightage="20" keywordseo="cadbury-india" source="Orion">Cadbury India</keyword> <div type="Youtube" id="5WECsbqAQSk" title="Supporting Local Retailers This Diwali | Not Just A Cadbury Ad Campaign Video" thumbUrl="https://i.ytimg.com/vi/5WECsbqAQSk/mqdefault.jpg"></div> HP India <div type="Youtube" id="wxXhvjFvn_A" title="Diye Se Diya Jalao" thumbUrl="https://i.ytimg.com/vi/wxXhvjFvn_A/mqdefault.jpg"></div> Mother Dairy <div type="Youtube" id="CwhFSJDD0ks" title="Naya Riwaaj Dhara ke Saath" thumbUrl="https://i.ytimg.com/vi/CwhFSJDD0ks/mqdefault.jpg"></div> Supertails <div type="javascript" title="Instagram" contenttype="Video"><cdata><![CDATA[ ]]></cdata></div> Tanishq <div type="Youtube" id="KzVQ_nY2M9k" title="Tanishq presents #Utsaah" thumbUrl="https://i.ytimg.com/vi/KzVQ_nY2M9k/mqdefault.jpg"></div> Greenply <div type="Youtube" id="crC5iEXzFXI" title="The Table - #YahanRishteBasteHain" thumbUrl="https://i.ytimg.com/vi/crC5iEXzFXI/mqdefault.jpg"></div> Vivo India <div type="Youtube" id="x7ab0tdj5Vk" title="Celebrate the #JoyOfHomecoming this Diwali" thumbUrl="https://i.ytimg.com/vi/x7ab0tdj5Vk/mqdefault.jpg"></div> Wiggles <div type="Youtube" id="EwjkAqY_3aM" title="Umeed Bhari Diwali | A Wiggles.in Initiative" thumbUrl="https://i.ytimg.com/vi/EwjkAqY_3aM/mqdefault.jpg"></div> ZEE <div type="Youtube" id="hV3Jaxhb4VU" title="Yeh Diwali Kisson Wali - Vocal For Local - Zee Diwali" thumbUrl="https://i.ytimg.com/vi/hV3Jaxhb4VU/mqdefault.jpg"></div> Greenlam <div type="Youtube" id="irGY9KWsAH4" title="Celebrate Diwali at home" thumbUrl="https://i.ytimg.com/vi/irGY9KWsAH4/mqdefault.jpg"></div> Godrej <div type="Youtube" id="7if8VXEy4A8" title="The recipe of #CookingGoodness | Godrej Group" thumbUrl="https://i.ytimg.com/vi/7if8VXEy4A8/mqdefault.jpg"></div> Havells <div type="Youtube" id="IZqiI-lJH0o" title="Havells Hexo Mixer Grinder | Powerful Mixer Grinder | Tamil" thumbUrl="https://i.ytimg.com/vi/IZqiI-lJH0o/mqdefault.jpg"></div> LG Electronics <div type="Youtube" id="Yxzbjl5WZ5E" title="Roll Out The Future With LG OLED #OLEDNSRK" thumbUrl="https://i.ytimg.com/vi/Yxzbjl5WZ5E/mqdefault.jpg"></div> Pickrr <div type="Youtube" id="JuO-Q-gTwSM" title="This Diwali celebrate happiness with your loved ones #KhushionKiTarakki by Pickrr" thumbUrl="https://i.ytimg.com/vi/JuO-Q-gTwSM/mqdefault.jpg"></div> CottonKing <div type="Youtube" id="w9WsnJCQp0c" title="CottonKing | Bhaubeej Film | Tejashree Pradhan | Abhijeet Khandkekar | Mayur More | ADbhoot" thumbUrl="https://i.ytimg.com/vi/w9WsnJCQp0c/mqdefault.jpg"></div> Spice Money <div type="Youtube" id="7w_Hjda5Adg" title="Spice Money wishes everyone &quot;Dil se Diwali&quot;!" thumbUrl="https://i.ytimg.com/vi/7w_Hjda5Adg/mqdefault.jpg"></div>

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