OVERVIEW

Managers

APAS

Sujana Hari
Sujana Hari, a senior consultant with APAS comes with more than 8 years of experience in financial advisory. Before joining APAS, she worked with Deloitte Financial Advisory Services (India) and a boutique consulting firm. Over the years, she gained experience in financial and business consulting, transaction advisory and syndication services. She served clients across the spectrum from Fortune 500 companies to Small and Medium Enterprises in various sectors and markets as diverse as India and the United States. At APAS, she spearheaded multiple projects in banking and financial services industry. Sujana holds a Bachelor in Technology from JNTU and a Post Graduate degree in Business Management from Bharathidasan Institute of Management.

The Team

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Rishank Dabra,
Consultant

APAS

Kalpesh Mantri
Financial Analyst

APAS

Ankita Narnaware
Financial Analyst

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Harsh Mirpuri
Sr Financial Analyst

Support Staff

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Vishakha Parab
Executive Asst. to Managing Partner

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Chandrashekhar Maheshwaram
Manager – Administration & Human Resources

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New at APAS blog

A collection of stories about our people, our capabilities, our research, and the ever-changing face of our firm.

Recent Posts

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Social banking: A global and Indian perspective

Social banking, though an integral part of Indian banking system since its establishment, has gained awareness with the significant steps and programs initiated by the Indian government and RBI. Key measures such as Aadhar card, unique identification mechanism, Pradhan Mantri Jan Dhan Yojana and various associated schemes, are helping social banking in India scale new heights. 
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Indian banking: Let’s prepare for consolidation

Consolidation in the Indian Banking sector is being considered as one of the reforms awaiting to be taken by the government and the industry. Here is an attempt to evaluate the impact of banking consolidation on the long-term growth path. One could think that M&A’s are likely to strengthen the soundness and the financial stability of the sector for three reasons.
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Digital Data

Four decades ago, Ray Tomlinson a computer engineer working in the APRPA net system of the US department of defense a precursor to the current day internet, went onto become the first man to ever send an email and pioneering an era where the invention fundamentally transformed the way human society communicates. It has ushered us into an era combining nearly 3.2 billion people, organizations, economies and even countries to digitally communicate creating a milestone in the information age. The growth of global internet bandwidth and data flow across borders has been a key driver of national economies. Data flows account for $ 2.8 trillion of global GDP and generates more economic value than traditional flow of traded goods.
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Consolidation in insurance industry

Recent news on proposed HDFC Life – Max merger has triggered the waves of consolidation across the industry. Other players in the industry have become extremely cautious of the giant emerging out of this merger. As the water treads deeper, we take a look at how this consolidation wave could set forth another landmark in the Indian insurance industry.
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Differentiated banking

Financial sector reforms in 1991 rejuvenated Indian economy and contributed greatly to the progress that India has achieved today. Much later in 2014, a set of recommendations which aimed at financial inclusion were set forth by RBI-constituted Nachiket Mor committee. The committee recommended establishing differentiated banks meant for providing banking access to the poor and the unbanked. Hence, the foundation stones for differentiated banking were laid.
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Global slowdown: Impact on foreign operations of Indian banks

In the past decade, many Indian firms embarked on expanding their global footprint, taking an opportunity to expand their horizons. The Indian multinational companies expanded across diverse sectors from pharmaceuticals to automotive, textiles and engineering goods. The fundamental reasons behind Indian companies acquiring business including resource mining are to secure natural assets such as mines, oil fields, intellectual properties, etc. and to put up their presence in global markets. This truly described the global aspirations of Indian companies.
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Revised GDP calculation method in India and its impact

Gross domestic production (GDP) represents the health of the economy and is used as an indicator by the Government and policy makers for planning and policy formulation. It represents a single number that indicates the monetary value of all finished goods and services produced within a country.
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Stress of NPAs in the banking system: Preventive and Curative Measures

A robust banking industry is a vital component in the engine of growth and particularly in India as dependency on banking for lending is very high. Indian banking industry is a vibrant space with multiple players, dominated by public sector banks (PSBs), holding nearly 70% of the assets.
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Peer to peer lending

Peer to Peer lending or commonly referred to as P2P is a form of crowd funding, which leverages technology to match lenders to borrowers. The roots of P2P lending has been witnessed in pockets around various parts of the world throughout history, but was initially started in a formal setting with the help of technology by company called ‘Zopa’ in UK in 2005.
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Fundamentals of monetary policy framework

In the global context, slowdown of major economies, weakening of China, plunge in manufacturing activity coupled with a steep fall in commodity prices are everyday news, and the situation is here to stay for quite some time. Amidst this turmoil, India has been the ray of hope with its sustained growth. To capitalize this trend, RBI has maintained that an effective monetary policy is vital to economic performance, among other things.
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