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Amit Kumar Rathi reposted thisAmit Kumar Rathi reposted thisIs the rupee depreciating faster than ever? In meetings with foreign investors, one concern comes up repeatedly: is the rupee weakening faster and more sharply than ever, and what does that mean for returns on India investments? The answer depends on whether you're looking at the last 20 months or the last 15 years. Looking at the data: • 2011–2020: INR depreciated at ~4.8% per year • 2021–Aug'26: INR depreciated at ~4.6% per year Despite COVID, higher US rates, geopolitical shocks, and multiple risk-off cycles, the long-term depreciation trend has remained remarkably consistent. Now compare that with the recent period: • Jan'25–Aug'26: INR depreciated ~10.3%, equivalent to ~6.3% per year That's roughly 1.3x faster than the long-run trend. So yes, the rupee has weakened faster than normal recently. But no, the long-term trend itself hasn't changed. And that's an important distinction. What's even more interesting is what's happening beneath the headline depreciation number: • Daily volatility has fallen from 0.45% to 0.27% (~41.4% lower) • Excess kurtosis has declined from 6.20 to 4.11, indicating fewer extreme single day moves • Skewness has shifted from -0.31 to +0.25, suggesting the market is less tilted toward sudden depreciation shocks In other words: The rupee has weakened, but the market has become more stable. That's very different from episodes such as the 2013 taper tantrum, when both the pace of depreciation and market stress surged simultaneously. Historical studies of INR behaviour show 2011–13 and 2022 as periods of significantly larger exchange-rate shocks than the relatively orderly depreciation seen in many other years. The recent move appears driven more by cyclical factors—oil, tariffs, portfolio flows and global dollar strength—than by a clear structural shift in India's currency trajectory. For long-term foreign investors, the key takeaway is simple: The trend hasn't changed. The path has. The last 20 months have run materially hotter than average, creating more timing risk than usual. But based on the long-run data, we're not yet looking at a new INR regime—just another reminder that currencies rarely move in straight lines. #INR #CurrencyMarkets #Investing #ForeignInvestment #EmergingMarkets
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Amit Kumar Rathi reposted thisAmit Kumar Rathi reposted thisEcofy celebrated its next phase of growth through "The Next Chapter”, an event held following the successful closure of our Series B equity round, which raised INR 380.5 crore (~USD 42 million). Hosted by Unitus Capital, the event brought together our Board of Directors, investors, lending partners, OEM partners, and other key stakeholders who have been instrumental in Ecofy's journey so far. The evening served as an opportunity to celebrate the trust and support of our stakeholders while sharing Ecofy's vision for the future. As we turn the page to this next chapter, we remain committed to making sustainable choices more accessible through innovative and inclusive green financing solutions. #Ecofy #TheNextChapter #GreenFinance #ClimateFinance #Sustainability #ElectricMobility #RooftopSolar #MSME #EnergyTransition #CleanEnergy Rajashree Nambiar | Govind Sankaranarayanan | Eversource Capital | British International Investment | FMO - Dutch entrepreneurial development bank | Finnfund | Amit Kumar Rathi | Kailash Rathi | Nikesh Jain
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Amit Kumar Rathi reposted thisAmit Kumar Rathi reposted thisWe’re pleased to share key insights from our #Q4 FY26 #Benchmarking report, covering 17 listed institutions across affordable housing finance, MSME lending, and microfinance. The quarter reflects an encouraging picture — the affordable lending sector is firmly in recovery mode. ➡️ Growth & disbursements re-accelerating – Consolidated AUM grew 20% YoY (up from 14% in Q3) and disbursements jumped 55% YoY, signaling renewed confidence in underwriting and demand recovery on the ground. ➡️Profitability bouncing back strongly - Consolidated PAT surged to ₹2,196 Cr vs. ₹623 Cr in Q4 FY25, as credit costs normalize and operating leverage kicks in across NBFCs and MFIs. ➡️Market Trends - Over the past year, MFIs have outperformed both the Nifty 50 and Nifty Financial Services while NBFCs & HFCs have underperformed. Nifty FS has outperformed Nifty 50 marginally. ➡️NBFCs on a strong footing - AUM up 32% YoY and disbursements up 75% YoY, with gold loan-led momentum at Capri Global & Fedbank. Asset quality remains stable at ~2.1% GNPA. ➡️HFCs delivering consistent excellence - ROA at 4.6% and ROE at 16.9% remain the sector's best. Affordable housing demand continues to underpin steady 21% AUM growth with no meaningful asset quality deterioration. ➡️MFI stress firmly in the rearview - Disbursements grew 46% YoY, GNPA improved to 2.6% from a peak of 4.2%, and the sector has improved its profitability. CreditAccess Grameen and Satin Creditcare are leading the charge, with several others close behind. All in all, Q4 FY26 reinforces our conviction that the sector has entered a recovery phase. The combination of easing credit costs, recovering disbursements, and improving asset quality sets up a strong FY27. #AffordableHousingFinance #NBFC #Microfinance #MSMELending #FinancialServices #FinancialInclusion #CreditGrowth #AssetQuality #Q4FY26 #FY27Outlook #MarketInsights #IndiaFinance
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Amit Kumar Rathi reposted thisAmit Kumar Rathi reposted thisCongratulations to Amit Kumar Rathi of Unitus Capital for being recognized in "The Fintech IB Power List: The Industry’s Most Influential Leaders" — a special feature by Indian Startup Times celebrating the investment banking professionals shaping the future of India’s fintech ecosystem. From facilitating transformative capital raises and strategic M&A transactions to connecting visionary founders with growth opportunities, your leadership reflects the expertise, execution excellence, and industry insight that continue to drive innovation across the fintech sector. Your work exemplifies strategic thinking, market leadership, and an unwavering commitment to building stronger financial institutions and technology-driven businesses. Thank you for playing a pivotal role in accelerating the growth and evolution of India’s fintech landscape. #FintechIBPowerList #InvestmentBanking #FintechIndia #IndianStartupTimes #FintechLeadership #CapitalMarkets #MergersAndAcquisitions #Fundraising #FinancialServices #StartupEcosystem #plutosONE ROHIT MAHAJAN plutos.ONE
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Amit Kumar Rathi reposted thisAmit Kumar Rathi reposted thisWe’re hiring at Unitus Capital! We are looking for an experienced #AssociateVicePresident (AVP) to join our Investment Banking team in #Bangalore. If you have 6–8 years of experience in Investment Banking / PE Advisory with a strong transaction track record, this could be an exciting opportunity to work on impactful transactions across sectors and geographies. Please note: Candidates with less than 5 years of experience are requested not to apply. Relevant profiles can share their CVs at info@unituscapital.com #Hiring #InvestmentBanking #AVP #CorporateFinance #CapitalMarkets #FinancialServices #BangaloreJobs #Careers #LeadershipHiring #UnitusCapital
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Amit Kumar Rathi shared thisHI All, Really proud to announce the deal on Mahaveer and getting a great investor on board. Journey with Mahaveer started long back and I am glad this milestone is reached. For this one and many more to come Regards AmitAmit Kumar Rathi shared this🚀 Unitus Capital is proud to have acted as the exclusive advisor to Mahaveer Finance India Limited on its ₹200 crore Series C fundraise, led by Elevation Capital, with participation from BanyanTree Private Equity and First Bridge Investment Managers (P) Ltd 👏 Congratulations to Mahaveer Dugar, Deepak Dugar, and Praveen Dugar on this incredible milestone! 🌱 We’re excited to see Mahaveer Finance India Limited continue its expansion across geographies and product segments across South India. #UnitusCapital 💼 #MahaveerFinance 💰 #SeriesC 📈 #Fundraise 🚀 #NBFC 🏦 #FinancialInclusion 🌍 #ImpactInvesting 🤝 #PrivateEquity
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Amit Kumar Rathi shared thisHi All, We see the interest rates cut as a big move and this would bring in lots of changes. We at Unitus are conducting a webinar on this - would be great if you can join us in this knowledge sharing session. Regards AmitAmit Kumar Rathi shared this🗓️ Join us for an insightful webinar as we unpack the implications of India’s significant rate cuts amid a volatile 🌏 global economic landscape. 📉 Placing India’s Jumbo Rate Cuts in the Context of an Uncertain World. 🗓️ June 19th, 2025 | Thursday 🕠 5:30 PM – 6:30 PM IST 👉 Click here to register :https://lnkd.in/gxrWcP6U 🎙️ Featuring: 🔹 Mr. Narayan Ramachandran – Chairman, Unitus Group & TeamLease Services 🔹 Ms. Upasana Chachra – Chief India Economist, Morgan Stanley 🔹 Mr. Ashutosh Khajuria – Board Director & Former Federal Bank Executive Expect expert perspectives, macro insights, and real-world implications across markets and credit. #InterestRates #IndiaEconomy #Webinar #MacroInsights #ImpactInvesting #UnitusCapital #UCImpower #InclusiveFinance #RateCuts #GlobalMarkets #UCInclusiveCredit
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Amit Kumar Rathi reposted thisAmit Kumar Rathi reposted this📢 Exciting Opportunity Alert! We’re hiring a Manager - Accounts to join our team. If you’re a seasoned accounting professional ready to make an impact, this role offers a chance to work with a dynamic team and contribute to our financial success. Please go through the attached JD & apply. #Hiring #ManagerAccounts #FinanceCareers #JoinOurTeam #UnitusCapital
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Amit Kumar Rathi shared thisWe completed the fund raise for Aye Finance with 250 Cr. Amidst historical concerns on the financing market, we have already had two closures in the space - Aye Finance and Flexi Loans and one more is on the way. This just underscores that inherent demand exists and investors are appreciating that. Aye Finance deal was a special one given the speed at which this was executed and particularly given that they have their IPO plans. Extremely proud of my team (Amit AgarwalNikesh JainVidhi SarawagiArsalaan KhanSimrit Anand) to have pulled this off and for sure big thanks to Aditya Misra for being so supportive at the other end. For the team at Aye - Sanjay Sharma, Krishan Gopal. We at Unitus really treasure this relationship with AyeAmit Kumar Rathi shared this📢 Unitus Capital is proud to have advised Aye Finance Pvt. Ltd in its equity raise of 💰INR 250 Crore led by ABC Impact with participation from existing investor British International Investment. 💹 🎉 We congratulate Sanjay Sharma on this fundraise as they scale the company to new heights. 📈 👏 Kudos to Amit Kumar Rathi, Amit Agarwal, Nikesh Jain, Arsalaan Khan, Simrit Anand and Vidhi Sarawagi from Unitus Capital team for their incredible work on the deal. #UntiusCapital #AyeFinance #ABCImpact #BII #FundingAlert #FinancialInclusion #ImpactInvesting #Equity #InvestmentBanking
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Amit Kumar Rathi liked thisAmit Kumar Rathi liked thisIs the rupee depreciating faster than ever? In meetings with foreign investors, one concern comes up repeatedly: is the rupee weakening faster and more sharply than ever, and what does that mean for returns on India investments? The answer depends on whether you're looking at the last 20 months or the last 15 years. Looking at the data: • 2011–2020: INR depreciated at ~4.8% per year • 2021–Aug'26: INR depreciated at ~4.6% per year Despite COVID, higher US rates, geopolitical shocks, and multiple risk-off cycles, the long-term depreciation trend has remained remarkably consistent. Now compare that with the recent period: • Jan'25–Aug'26: INR depreciated ~10.3%, equivalent to ~6.3% per year That's roughly 1.3x faster than the long-run trend. So yes, the rupee has weakened faster than normal recently. But no, the long-term trend itself hasn't changed. And that's an important distinction. What's even more interesting is what's happening beneath the headline depreciation number: • Daily volatility has fallen from 0.45% to 0.27% (~41.4% lower) • Excess kurtosis has declined from 6.20 to 4.11, indicating fewer extreme single day moves • Skewness has shifted from -0.31 to +0.25, suggesting the market is less tilted toward sudden depreciation shocks In other words: The rupee has weakened, but the market has become more stable. That's very different from episodes such as the 2013 taper tantrum, when both the pace of depreciation and market stress surged simultaneously. Historical studies of INR behaviour show 2011–13 and 2022 as periods of significantly larger exchange-rate shocks than the relatively orderly depreciation seen in many other years. The recent move appears driven more by cyclical factors—oil, tariffs, portfolio flows and global dollar strength—than by a clear structural shift in India's currency trajectory. For long-term foreign investors, the key takeaway is simple: The trend hasn't changed. The path has. The last 20 months have run materially hotter than average, creating more timing risk than usual. But based on the long-run data, we're not yet looking at a new INR regime—just another reminder that currencies rarely move in straight lines. #INR #CurrencyMarkets #Investing #ForeignInvestment #EmergingMarkets
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Amit Kumar Rathi liked thisAmit Kumar Rathi liked thisThis Independence Day, we celebrate the values that continue to shape our nation—resilience, inclusion, innovation, and the spirit of creating meaningful impact. At Unitus Capital, we remain committed to building a more equitable and sustainable future by supporting enterprises that drive positive change across sectors. Wishing everyone a very Happy Independence Day! 🟨 ⬜ 🟩 #IndependenceDay #UnitusCapital
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Amit Kumar Rathi liked thisAmit Kumar Rathi liked thisA New Milestone for Senior Care in Bengaluru! We are proud to inaugurate Athulya Senior Care ’s, 3rd senior care facility in Bengaluru, at Mathikere, further strengthening our commitment to creating a comprehensive senior care ecosystem in the city. We were honoured to have Hon’ble Shri U.T. Khader, Minister for Health & Family Welfare, Government of Karnataka, inaugurate the facility in the presence of healthcare professionals, senior citizens, partners and the Athulya family. A special note of gratitude to Mr. Raksha Ramaiah and MSR Infrastructure team for their valuable partnership and support in making this new infrastructure possible. Their contribution has helped us create a purpose-built environment designed around the unique needs of seniors, bringing together care, comfort, rehabilitation and dignity under one roof. With 13 facilities now live across India, including three centres in Bengaluru and 300+ dedicated senior care beds in the city, Athulya continues to expand access to specialised geriatric care. Mathikere is one of Bengaluru's premium residential neighbourhoods, the purpose-built geriatric care centre has been developed exclusively for senior citizens and offers a comprehensive continuum of care under one roof. The state-of-the-art facility is equipped with 75 suite rooms, well-appointed living spaces, dedicated rehabilitation zones, technology-enabled physiotherapy services including virtual reality-based rehabilitation, specialised memory care infrastructure, emergency medical support, nutritious diet management and recreational spaces that promote active ageing and holistic wellbeing. 1500 beds across India. 300+ beds in Bengaluru. One shared commitment, to enable seniors to age with dignity, independence and purpose. #AthulyaSeniorCare #MSR #GeriatricCare #SeniorCare #Bengaluru #AssistedLiving #HealthyAgeing #AgeingWithDignity #Healthcare Srinivasan Govindaraj Krishna Kavya NITI Aayog National Health Authority (NHA)
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Amit Kumar Rathi liked thisAmit Kumar Rathi liked thisUnitus Capital advises Varthana a lender providing credit facilities and financial support to schools, colleges, tutorials, and vocational training centers, on its 100% acquisition by Home Credit India Finance, a subsidiary of TVS Holdings. The transaction will help the TVS Holdings group expand into a complementary, secured, and longer-tenure lending segment, and further strengthen its position in India's financial services sector. The transaction is expected to be completed within nine months from the signing of the share purchase agreement, subject to RBI approval. Formerly known as Thirumeni Finance Private Limited, Varthana reported an AUM of INR 1,952 crore in FY26, up from INR 1,897 crore a year earlier with a profit after tax of INR 19 crore and a net worth of INR 574 crore in FY26. We congratulate Steve Hardgrave, Brajesh Mishra, the shareholders and the entire Varthana team on this successful deal. Kudos to Amit Kumar Rathi, Sravani Shikari & Nimisha Gupta from the Unitus Capital team for their incredible efforts.
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Amit Kumar Rathi liked thisAmit Kumar Rathi liked thisLeadership is measured not just by achievements, but by the positive impact it creates. We are honoured to announce that Dr. Karthik Narayan R., Founder & Managing Director of Athulya Senior Care, has been appointed as the Chairman of the CII Committee on Senior Care for 2026–27. This recognition celebrates a shared vision, to elevate the standards of senior care in India through compassion, innovation, and excellence. For everyone at Athulya Senior Care, this is more than a proud moment. It reinforces our commitment to building a future where every senior receives the care, dignity, and quality of life they deserve. Congratulations, Dr. Karthik Narayan R, on this remarkable achievement. We look forward to contributing towards the future of senior care together. https://lnkd.in/gkGnUrn3 Dr. Alexander Thomas, Dr. Karthik Narayan R, Dr. Reema Nadig, Hemanshu Jain, Krishna Kavya, Srinivasan Govindaraj #AthulyaSeniorCare #CII #ConfederationOfIndianIndustry #SeniorCare #HealthcareLeadership #Leadership #AssistedLiving #GeriatricCare #HealthcareExcellence
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