December 26, 2020

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6 min read

Opinions expressed by Entrepreneur contributors are their own.


I receive lots of requests asking to add guest posts (read: backlinks) on my website. My mailbox is filled with link requests and pitches asking for all sorts of things. This is part and parcel of running a PR agency, and I had no choice but to learn how to live with it.

What surprises me is not that people try in every possible way to get a backlink, but that they’re hoping to make this exchange in a hit-and-run fashion, without even trying to build a relationship with me.

Without even touching on the unethical side of this approach — I wouldn’t consider spamming busy website owners a particularly good approach when it comes to building links, or anything else — I’ve come to notice that this method is missing the “build a relation factor” 

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Hit by economic disruptions caused by the Covid-19 pandemic, the overall personal loan business declined by 42.2 per cent on a year-on-year (YoY) basis in August 2020.


However, the approach of public sector banks (PSBs) stood out during the pandemic with their business rising by 66.5 per cent, according to credit bureau CIBIL data.



PSBs are offering personal loans at attractive rates compared to their peers. This is prompting consumers, who are facing financial hardship, to avail personal loans from PSBs.


The interest rate offered by PSBs like State Bank of India (SBI), Bank of Baroda and Bank of India hover around 8.9 per cent-10.50 per cent. For private banks, the range is between 10.49 per cent and 12 per cent. Finance companies offer loans at rates starting from 11 per cent to as high as 24 per cent.

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Chennai Financial Markets and Accountability (CFMA) has filed an application in the Supreme Court alleging that despite the apex court’s December 9 order, no apparent steps have been taken by the SEBI to appoint an observer for overseeing the e-voting process with regard to winding up Franklin Templeton’s six mutual fund schemes.


The top court had on December 9 asked the Securities and Exchange Board of India (SEBI) to appoint an observer for overseeing the e-voting process, scheduled between December 26 to December 29.



The concern of CFMA is, though the aforesaid order was passed on the 9th of this month, there has been no apparent steps taken by SEBI to appoint an observer. The voting is scheduled to commence from tomorrow (December 26) and there is no update about who the observer is, or his/her e-mail id, contact information, etc,

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