Teacher of Business - August 2026

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If you have money, leave India [non-political]

For those thinking if you have money, should you stay in India or move abroad, here are my two cents on this. People here know that I am a big believer in the India Growth story. The economic outlook today is much better than 10 years ago and extrapolating that makes it a great opportunity for the rest of us. Let’s say you are operating as a free agent, and look at things logically and without emotions. ( Why without emotions? Because emotions trump logic and will make you rationalize any illogical move) I have to accept that however great my country is, it isn’t great at everything. It could have the best mangoes but not the best wines and so on. This also applies to jobs, education and living. If you want to study mechanical engineering you go to Germany. For best B-Schools, you go to either EU/UK/US depending on what you want to achieve after that. Similarly the best CS programmes are in the US. Sure, IITs and IIMs are gems and punch above their weight. They have access to the most meritorious kids of that generation. But you have to accept that, they are certainly not at the same level as M7/Oxbridge or Stanford/MIT for Engg. The same expands to other things. In some ways, every country is chasing the same American standard of living for its citizens. This may or may not be possible for everyone in this world. So, if you are an individual and you eliminated every generational curse in your life for a moment. Then, you eliminated every constraint in your life. What would you choose to do? An intelligent answer is always: The best places for vacations The best places for food The best places to work The best places to study The best places to appreciate art The best places for X. And be okay with accepting that not all best places can be India. Not all best places have to be India. And it’s okay. We can get there. But if you have money, leave India to experience the best in X. For inspiration: DaVinci offers 2.26Cr for a Derivative Trader role at IIT Delhi.

Simplifying tariff imposed by US on India

US has imposed a 26% reciprocal tariff on Indian imports but let’s first understand what is reciprocal tariff. A reciprocal tariff is a charge/duty that a country imposes on imports from another country in response to similar tariffs applied by that country on its own exports, aiming to create a fairer trade environment by matching the tariffs imposed by other countries. But why India imposes tariffs on US goods - It’s because to protect its domestic industries and this tariffs make it costly for U.S. companies to export goods to India. Essentially creating a barrier for US companies to compete with Indian companies in India and restrict their entry. Now US is hitting back with this 26% tariff on our exports. Now, what’s the impact - since tariffs are increased, the cost of Indian exported goods in US will increase thereby making US price sensitive consumers choose a local US brand over Indian brand. Indian companies like textile makers, pharma firms or even IT parts suppliers will find their goods pricier in US markets. Smaller or mid size exporters could see sales drop and profits shrink. Stock markets here might took a jolt. Export based firms might see their stock prices tumble, especially small ones already fighting rising costs. Jobs could take a hit if these companies cut back production to save cash. Plus, if exports slow, the rupee might weaken, making imports like oil or US gadgets costlier for us average joes. But it’s not all doom - India exports to many countries, not just US, so the blow might not sink us. Pharma got spared from this tariff, so they’re safe. Now I understand that Government is already engaging in trade negotiations to secure concessions or a trade deal that could reduce the tariffs. More to be seen as how this plays out. Seeing that markets hasn’t dropped much today, I believe we are diversified enough. Despite this diversification, the U.S. remains a major export destination for India, particularly for sectors like IT services, engineering goods, gems and jewellery and textiles and apparel. More developments to come as this plays out