Harsh Vardhan on Muck Rack

Harsh Vardhan

Bangalore
As seen in: Amazon Web Services, Medium, MSN, Mashable India, The Keyword, Flipboard, Moneycontrol, Deccan Herald, The Wire (India), ThePrint and
marketer. content head. copy guy. driving enthusiast.

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Articles

OPINION | The Frozen Account: When banking systems fail the people they serve

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By Harsh Vardhan
| Moneycontrol Verified
Bank account frozen. (Representative image) India likes to celebrate its financial revolution. Policymakers speak proudly of hundreds of millions of bank accounts opened, digital payments scaling unprecedented heights, and a financial system that has become a global model of inclusion. The numbers are indeed impressive. Yet beneath the triumphant statistics lies another reality—one seldom discussed in annual reports, regulatory speeches, or banking conferences. It is the reality of people like Shiva.
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Why India needs a dedicated financial conduct regulator

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By Renuka Sane, Harsh Vardhan
| ThePrint Verified
All major financial regulators in India—the Reserve Bank of India (RBI), Securities and Exchange Board of India (SEBI), Insurance Regulatory and Development Authority of India (IRDAI) and Pension Fund Regulatory and Development Authority (PFRDA)—recognise consumer protection as an important regulatory objective. Yet, in practice, it remains subordinate to their primary mandates of financial stability, prudential supervision and market development.
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Vanguard targets doubling European assets to $1 trillion by 2030

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By Harsh Vardhan
| Invezz Verified
Key Risk: HL successfully defends with product/fee cuts and distribution partnerships, limiting Vanguard’s ability to take share quickly. Sell: Hargreaves Lansdown (HL) exposure. Vanguard’s UK goal to become the biggest retail platform implies sustained share loss for incumbents in a low-cost, index-heavy world. If Vanguard’s ETF expansion and fintech partnerships land, HL’s growth and margin outlook deteriorate as customers shift to cheaper platforms.
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