MUMBAI: The Aditya Birla<\/a> Group will sell a minority stake of anywhere between 15% and 20% in its Idea Payments Bank<\/a> to raise about Rs 200 crore, seeking a valuation of Rs 1,000 crore for the two-month-old venture, two people with direct knowledge of the plan said. 集团公司的付款银行,想法细胞和Aditya Birla Nuvo来说自己的51%和49%,分别将用这笔钱来扩大其业务。 孟买:Aditya Birla)集团将出售少数股权的15%和20%之间想法支付银行筹集大约200卢比,寻求价值1000卢比的两个月,两人直接参与计划的说。
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The payments bank, in which group companies Idea Cellular<\/a> and Aditya Birla Nuvo own 51% and 49%, respectively, will use the money to expand its operations. India’s second-largest mobile phone-owned payments bank has been facing headwinds in setting up and launching operations.
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“While the concept of small finance banks has taken off fairly well, the payments bank ecosystem is still reeling under cost pressures,’’ said an executive from the industry<\/a>.
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\n‘’There’s not much value in this business, and for Aditya Birla Idea Payments Bank, a clear cut strategy on how they are likely to execute this model still eludes them.” When asked about the payments bank raising funds through equity dilution, an Aditya Birla spokeswoman said, “We do not comment on market stories.”
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Idea's payments bank, which is the latest entrant in this space, started its operations in February after the Reserve Bank of India issued licences to 12 firms in August 2015. Idea’s rival and market leader Bharti Airtel was the first telecom<\/a> entity to begin payments bank operations in November 2016.
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RBI<\/a> has been pushing for the payments bank model by offering services such as small savings accounts, payment or remittance services to migrant labour workforce, low income households, small businesses, unorganised sector entities as well as other users to push for further financial inclusion.
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Unlike regular banks, payment banks cannot give loans<\/a>, or issue credit cards, but can accept deposits up to Rs 1 lakh. Such entities primarily survive on fee income since 75% of their deposits have to be mandatorily invested in government bonds with maturity of up to a year. These banks will have to offer aggressive rates to mobile deposits against competition from commercial banks.
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Aditya Birla集团计划在想法支付银行销售15 - 20%
集团公司支付银行知道细胞和Aditya Birla Nuvo来说自己的51%和49%,分别将用这笔钱来扩大其业务。印度第二大移动phone-owned支付银行一直面临阻力在建立和启动操作。
“虽然小型金融银行的概念已经相当好,付款银行生态系统仍面临着成本压力,”一位高管说行业。
“没多少价值在这个行业,和Aditya Birla想法支付银行,明确战略如何可能会执行这个模型却仍然不能理解他们。”当被问及支付银行筹集资金通过股本稀释,Aditya Birla)一位发言人说,“我们不评论市场的故事。”
想法的支付银行成为最新加入这一空间,2月开始运营后,印度储备银行发布了2015年8月12日公司以许可证。想法的竞争对手和市场领袖Bharti Airtel是第一个电信实体在2016年11月开始支付银行业务。
印度储备银行一直在推动支付银行模式通过提供服务,如小储蓄账户,付款或汇款服务农民工劳动力,低收入家庭、小企业,非正式部门实体以及其他用户进一步推动金融包容。
与常规银行,付款银行不能给贷款,或发行信用卡,但可以接受1 Rs十万的存款。这样的实体主要靠手续费收入从75%的存款必须强制要求投资于政府债券与成熟的一年。这些银行将必须提供积极移动存款利率对商业银行的竞争。
MUMBAI: The Aditya Birla<\/a> Group will sell a minority stake of anywhere between 15% and 20% in its Idea Payments Bank<\/a> to raise about Rs 200 crore, seeking a valuation of Rs 1,000 crore for the two-month-old venture, two people with direct knowledge of the plan said.
\n
The payments bank, in which group companies Idea Cellular<\/a> and Aditya Birla Nuvo own 51% and 49%, respectively, will use the money to expand its operations. India’s second-largest mobile phone-owned payments bank has been facing headwinds in setting up and launching operations.
\n
“While the concept of small finance banks has taken off fairly well, the payments bank ecosystem is still reeling under cost pressures,’’ said an executive from the industry<\/a>.
\n
\n‘’There’s not much value in this business, and for Aditya Birla Idea Payments Bank, a clear cut strategy on how they are likely to execute this model still eludes them.” When asked about the payments bank raising funds through equity dilution, an Aditya Birla spokeswoman said, “We do not comment on market stories.”
\n
Idea's payments bank, which is the latest entrant in this space, started its operations in February after the Reserve Bank of India issued licences to 12 firms in August 2015. Idea’s rival and market leader Bharti Airtel was the first telecom<\/a> entity to begin payments bank operations in November 2016.
\n
RBI<\/a> has been pushing for the payments bank model by offering services such as small savings accounts, payment or remittance services to migrant labour workforce, low income households, small businesses, unorganised sector entities as well as other users to push for further financial inclusion.
\n
Unlike regular banks, payment banks cannot give loans<\/a>, or issue credit cards, but can accept deposits up to Rs 1 lakh. Such entities primarily survive on fee income since 75% of their deposits have to be mandatorily invested in government bonds with maturity of up to a year. These banks will have to offer aggressive rates to mobile deposits against competition from commercial banks.
\n\n<\/p><\/body>","next_sibling":[{"msid":63839388,"title":"Cash crunch: Prepaid mobile recharge volume dips","entity_type":"ARTICLE","link":"\/news\/cash-crunch-prepaid-mobile-recharge-volume-dips\/63839388","category_name":null,"category_name_seo":"telecomnews"}],"related_content":[],"msid":63839706,"entity_type":"ARTICLE","title":"Aditya Birla Group plans to sell 15-20% in Idea Payments Bank","synopsis":"The payments bank, in which group companies Idea Cellular and Aditya Birla Nuvo own 51% and 49%, respectively, will use the money to expand its operations.","titleseo":"telecomnews\/aditya-birla-group-plans-to-sell-15-20-in-idea-payments-bank","status":"ACTIVE","authors":[{"author_name":"Supraja Srinivasan","author_link":"\/author\/479245800\/supraja-srinivasan","author_image":"https:\/\/etimg.etb2bimg.com\/authorthumb\/479245800.cms?width=100&height=100","author_additional":{"thumbsize":false,"msid":479245800,"author_name":"Supraja Srinivasan","author_seo_name":"supraja-srinivasan","designation":"Correspondent","agency":false}}],"Alttitle":{"minfo":""},"artag":"ET Bureau","artdate":"2018-04-20 08:49:36","lastupd":"2018-04-20 08:50:10","breadcrumbTags":["Idea Payments Bank","markets","Aditya Birla","loans","RBI","Telecom","Industry","idea cellular"],"secinfo":{"seolocation":"telecomnews\/aditya-birla-group-plans-to-sell-15-20-in-idea-payments-bank"}}" data-news_link="//www.iser-br.com/news/aditya-birla-group-plans-to-sell-15-20-in-idea-payments-bank/63839706">
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