The Microfinance Reset: Why We Are Buying the Fear | Amey Kulkarni | Candor Investing
Автор: Candor Investing
Загружено: 2026-01-27
Просмотров: 1222
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November 2024 marked the bottom of one of the most brutal cycles in the Indian Microfinance industry. The data is staggering the total loan book of the sector shrank by nearly 22% in just 18 months.
Unlike previous crashes like Demonetization or Covid which were external shocks, this crisis was entirely self-inflicted.
It was a classic case of a regulatory tailwind turning into a greed-driven headwind.
In this video, I break down the "Business Physics" of this crash.
I discuss how the removal of lender caps in 2022 led to massive over-lending, how the SRO guardrails finally pricked the bubble, and why the "Survivors" like CreditAccess and Ujjivan are now poised for a recovery while the "Bad Apples" continue to struggle.
We are playing the Capital Cycle here.
When a profitable sector crashes and capital flees, valuations compress to levels that offer a significant margin of safety.
We believe the cycle has turned.
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Disclaimer: This video is for educational purposes only and not as an investment advice.
Please consult your financial advisor before making any investment decisions. SEBI Registered Investment Advisor.
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