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    Home / Author / Monika Halan
    Monika Halan
    Articles by Monika Halan

    Changing how insurance business is done in India

    Despite decades of high-cost distribution, insurance penetration remains stubbornly low.
    opinion
    Updated on Aug 19, 2026 04:31 IST

    India’s middle class grew sevenfold, but salary growth remained weak

    Efforts to formalise and widen the tax net are working. But, unless average wages go up for individuals, consumption will begin to drag.
    opinion
    Updated on Jul 29, 2026 02:22 IST

    Mis-selling regulations need a lot more teeth

    Acknowledging that merely getting a customer to sign a form does not constitute explicit consent is a step forward by RBI
    opinion
    Updated on Jul 10, 2026 05:18 IST

    Ride out inflation with patience and prudence

    It is only a matter of time before the higher fuel costs are passed on and begin to affect households. (Bloomberg)
    opinion
    Updated on May 14, 2026 15:01 IST

    Where can one invest in 2026-27?

    The long-term growth story of India remains strong; we need to get through the present time by not making hasty money decisions. (Shutterstock)
    opinion
    Updated on Apr 1, 2026 15:14 IST

    The story India’s new GDP series tells us

    India’s growth is still driven by household consumption, but that is showing signs of sluggishness. (Shutterstock)
    opinion
    Updated on Mar 10, 2026 15:33 IST

    RBI checks on mis-selling will likely fail their purpose

    The onus must be on the seller to make a suitable sale that does no harm at the base level and then builds financial security. (Mint Archive)
    opinion
    Updated on Feb 19, 2026 15:22 IST

    Why India needs a new gold standard

    Gold stands apart simply because of the collective memory of it being an asset that has survived the pressures of time. (HT Archive)
    opinion
    Updated on Feb 5, 2026 16:03 IST

    Work-in-progress budget to keep the wheels oiled

    While the markets have reacted negatively, it will be prudent to wait a while for the sentiment to reverse. (PTI)
    opinion
    Updated on Feb 1, 2026 18:48 IST

    A seller-beware market for financial products

    Caveat emptor is the default rule in markets for goods and services. This places the burden on buyers to inspect goods and services. (Shutterstock)
    opinion
    Updated on Jan 7, 2026 07:45 IST

    Managing wealth and assets in the New Year

    The joy of an uncomplicated financial life can only be described by a person who lives it. (Shutterstock)
    opinion
    Updated on Jan 1, 2026 16:38 IST

    Why are markets cool though GDP is hot?

    A dampener for the secondary market was that the diversion of household savings into gold and silver for investment has also increased. (AP)
    opinion
    Updated on Dec 1, 2025 16:12 IST

    Why the economy needs 4% inflation

    Household wisdom says that lower prices are better. But the household needs to see itself as a part of a larger story. (Mint Archive)
    opinion
    Updated on Nov 19, 2025 15:30 IST

    Diwali gift to oneself, a new deal with money

    A new relationship with money will mean doing the work to set up a clean, efficient, and simple money system. (HT Archive)
    opinion
    Updated on Oct 19, 2025 14:45 IST

    Tax rate cuts: Centre’s great growth gamble

    India needs to do what it takes to trigger domestic demand and get growth on a sustained above 7% a year mark. (AFP)
    opinion
    Updated on Sep 8, 2025 15:27 IST

    Good for the investor, good for the industry

    The strong flow of money into mutual funds shows investors have understood that the rules of the game are there to protect them. (HT Archive)
    opinion
    Updated on Aug 18, 2025 15:18 IST

    Crypto gets stability with a GENIUS Act

    A trusted, low-cost stablecoin backed either by the dollar or US government bonds will slowly replace other ways of moving money across borders. (AFP)
    opinion
    Updated on Jul 30, 2025 15:27 IST

    How far India has come, and what holds it back

    It would be difficult to believe inequality has risen, given that more people got pulled out of poverty and the number of those in the middle class grew. (HT PHOTO)
    opinion
    Updated on Jul 15, 2025 15:11 IST

    US is playing Russian Roulette with China

    For stock investors, now is the time to get out of the room and not take any action (either buy or sell) (AP)
    opinion
    Updated on Apr 8, 2025 13:17 IST

    The stage is yours for only 35 years

    The early retirement dream that social media influencers have sowed sometimes forgets to fully account for the twin impacts of inflation and longevity (HT Photo)
    opinion
    Updated on Apr 1, 2025 14:57 IST

    What is to be done when the markets keep falling

    As an investor, your plan should be asset allocation and not speculation or short-term return maximising (PTI)
    opinion
    Updated on Mar 6, 2025 14:21 IST

    A high-class budget for middle-class India

    Mumbai, India - May 25, 2017: Office goers having food and drink together at Dishkiyaoon, BKC in Mumbai, India, on Thursday, May 25, 2017. (Photo by Pratik Chorge/Hindustan Times) (Pratik Chorge/HT Photo)
    opinion
    Updated on Feb 1, 2025 17:59 IST

    The missing taxpayer in India’s middle class

    For decades, various governments have tried to bring those outside the tax net into it and have failed Pradeep Gaur/ Mint (Pradeep Gaur/ Mint)
    opinion
    Updated on Jan 26, 2025 15:05 IST

    Between the rich and the poor, the middle is stuck

    Personal income taxes, paid by less than 5% of the total population, pulled 19% of the almost <span class='webrupee'>₹</span>45 trillion total budget burden in 2023-24. (Photo by Santosh Kumar / Hindustan Times)
    opinion
    Updated on Jan 10, 2025 16:50 IST

    Money lesson for 2025: Keep faith in basics

    FILE PHOTO: Indian twenty rupee currency notes are displayed at a roadside currency exchange stall in New Delhi, India, May 24, 2024. REUTERS/Priyanshu Singh//File Photo (REUTERS)
    opinion
    Updated on Jan 3, 2025 14:56 IST

    What ails the health insurance industry

    While insurance firms and hospitals have the legal and operational muscle to deal with each other, the patient and policyholder suffers a double hit (RAJ K RAJ /HT PHOTO)
    opinion
    Updated on Dec 11, 2024 14:57 IST

    The unbearable heaviness of financial conversations

    Stress about money emerges around joint expenses and apportioning costs across the family. (Photo by Arun Sharma/ Hindustan Times (Arun Sharma/HT PHOTO)
    opinion
    Updated on Nov 8, 2024 15:04 IST

    Non-US world struggles to find common currency

    A souvenir bitcoin token is seen pictured with a 100 ruble bill in Moscow on July 30, 2024. Russian lawmakers voted on July 30, 2024 to tighten rules on petrocurrency mining, while also paving the way for it to be used in cross-border payments as a means to skirt Western sanctions. (Photo by Alexander NEMENOV / AFP) (AFP)
    opinion
    Updated on Sep 30, 2024 15:13 IST

    This generation gap is actually a valley

    The FIRE movement — Financial Independence, Retire Early — movement is a rage with the young urban Indians who can’t wait to quit the work grind and travel the world, engage in their hobbies and just chill. / AFP PHOTO / INDRANIL MUKHERJEE (AFP)
    opinion
    Updated on Sep 15, 2024 18:50 IST

    Falling deposit growth: The rot is in the branch

    FILE PHOTO: The Reserve Bank of India (RBI) seal is pictured on a gate outside the RBI headquarters in Mumbai, India, February 2, 2016. REUTERS/Danish Siddiqui/File Photo (REUTERS)
    opinion
    Updated on Aug 20, 2024 15:26 IST
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