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SumanSpeaks Capital Markets & Geopolitical Intelligence · Estd 200 6 Turnaround Watch · EPC SEPC Ltd (₹6.54): From Stressed Asset to Strategic Platform Debt down from a peak of ₹907 crore to ₹351 crore. Two SAIL orders worth ₹1,527.89 crore landed inside eight weeks. A Dubai-headquartered promoter that bailed the company out of an RBI stressed-asset restructuring is now backing an ADNOC-linked entry into the Middle East. This is what a real turnaround looks like when you actually read the balance sheet instead of the ticker. 1 The Arc: From a ₹300 IPO to a Stressed Asset to a Rescue SEPC Ltd listed in February 2008 as Shriram EPC, priced at ₹300 a share, raising ₹150 crore under the Shriram Group — one of India's most recognised financial-services names, then led by T Shivaraman...
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Lower Taxes, Bigger Lending: GST Cut to Turbocharge Paisalo Digital Ltd.

~Sumon Mukhopadhyay 

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India’s proposed GST rate rationalization—reducing slabs to 5% and 18% while eliminating 12% and 28%—is expected to indirectly support Paisalo Digital Ltd (Rs.30.95) a leading NBFC specializing in small-ticket loans and mobility financing. 

With major consumer goods, including two-wheelers, auto rickshaws, and other mobility products, moving to lower tax brackets, these vehicles are likely to become more affordable, especially in price-sensitive rural and semi-urban markets where Paisalo operates via its extensive network of over 970 service points. 

Higher vehicle demand could, in turn, drive growth in Paisalo’s mobility and small income-generation loans, expanding its lending portfolio and revenue potential. 

Additionally, simplified GST compliance may reduce operational costs for Paisalo’s small business clients, enhancing repayment capacity, mitigating credit risk, and further strengthening the company’s competitive position.

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