India Insights

Can India become an affluent society in one generation?

July 12, 2009 · Leave a Comment

This is the question that provides the basis for a new, wide-ranging report published by the Emerging Markets Forum (EMF). While there is an element of crystal ball gazing the report provides a different angle to most studies.

The EMF claims that their report is unique due to three reasons, 1) unlike the majority of studies on India, this report is not a vertical look at a single subject, it looks broadly across interconnected issues , 2) the report takes a 30 year view of the policy debate and 3) the focus is on providing a projection of what could be, not what will be.

10% growth dependent on four factors

To hit its target the report suggests that India must increase year-on-year growth to near 10% over the period of a generation. For this to happen there must be regional peace and open and free economies. Economic stagnation must be avoided and the implications of growth on resource and the environment must be managed.

Change in role of government

A key theme is governance; the report concludes that India has grown despite government and not due to it. An important shift must take place, where government is not the decision maker and implementor but a facilitator and regulator that ensures open competition and business friendly market conditions.

The seven inter-generational issues

To realize its potential, seven inter-generational issues are identified that need immediate attention:

1. Tackle disparities and achieve inclusive growth.

2. Dramatically improve the quality of the environment.

3. Eliminate infrastructure bottlenecks—Create a competitive edge.

4. Improve the delivery of public services—Create functioning cities for sustaining growth.

5. Renew the focus on education, technological development and innovation—Keys to sustaining improvements in competitiveness.

6. Launch a revolution in energy—Ensure security and competitiveness.

7. Foster a prosperous South Asia and become a responsible global citizen—India, its neighborhood and the world.

To read the complete report, “2039: An affluent society in one generation”, click here.

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Air India has 30 days to shape up or face possible collapse

July 5, 2009 · Leave a Comment

Crisis hit Air India and India’s government are finally negotiating a financial bailout. The carrier – that suffered US$ 875 million in losses during the last fiscal year – has 30 days to submit a restructuring plan to government before any form of investment will be made.

Predictably, government has had to step in to prop up the carrier. Already struggling due to factors affecting all airlines, a bloated workforce and spiraling debt is making it near impossible for Air India to meet day-to-day operational costs.

Competition from leaner carriers

Following years of virtual monopoly, and restricted international competition, Air India is under pressure from leaner carriers. Share of passenger traffic has fallen from 38% in 2004 to 15%. Exacerbating the problem, the carrier has an employee-to-plane ratio of 210 employees, compared to industry average of about 150. In its current state Air India is no longer viable.

Leaner structure, lower costs

While Prime Minister Manmohan Singh is willing to approve investment of US$ 2 billion, it is contingent on a major business overhaul. Given Singh’s decisive national election win, he may be tempted to privatize the carrier or even let it collapse. Although unlikely, newfound power gives him leverage over management and he must hope unions.

Praful Patel, India’s aviation minister, has warned, “Air India must shape up, become leaner and trimmer, and also must put its best foot forward”.

“Harsh decisions”

Chairman and Managing Director, Arvind Jadhav is trying to prepare his 31,000 staff members for new realities, “Considering the critical financial state of the airline, we should all be prepared to face the impact of harsh decisions that will be required to be taken in the coming weeks to meet the current difficult financial situation.”

Management want to cut annual employee costs by more than 17%, or US$ 100 million, and have already asked senior staff to go without July salaries. The carrier is also looking at how to improve employee productivity and eliminate restrictive working practices. A committee has been set up to review existing wage agreements with unions. Despite Jadhav’s hopes, the Jet Airways’ experience of last year makes a union – management stand off likely.

Government is also reviewing the carrier’s order for 100 new Boeing and Airbus aircraft. Changes at board level can also expected as Delhi seeks long-term change.

Remarkable failure of management

While Air India stress that the industry at large is in trouble and company spokesman, Jitendra Bhargava pleads, “Tell me, which airline is making profit, you can’t view Air India in isolation, right?”. Industry analysts aren’t convinced by the argument.

Kapil Kaul, chief executive of Centre for Asia Pacific Aviation blames poor management and the fact that the carrier has not evolved to meet newer competition. Kaul comments, “Air India is an example of a remarkable failure, (it is) still an iconic brand, but unfortunately it has a reputation which is of an unreliable and shoddy airline.”

Drastic changers are required. The airline, its staff, government and the unions must work together – and quickly – to reach a viable solution if Air India is to remain in the skies.

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Economic growth damaging Indian well-being

July 5, 2009 · 1 Comment

Research shows that India is one of the happier countries on the planet. In 35th place of 143, India scores well, beating the likes of the UK, Russia, Singapore, US and Kong Kong. Despite this, India’s score is on the slide, the report concludes that economic growth is damaging overall well-being.

The Happy Planet Index (HPI), calculated by the New Economics Foundation (NEF) ranks countries by combining average life expectancy, life satisfaction and the rate of natural resource consumption. NEF, an independent “think-and-do tank” aim to improve quality of life by promoting innovative solutions that challenge mainstream thinking on economic, environment and social issues.

Growing economies, lower scores

Proving that “happiness” is damaged by economic development, HPI shows that fast-growing economies China and India were each happier and ‘greener’ two decades ago.

India’s rapid and aggressive economic growth means that given the criteria for scoring, Bhutan (17th), Sri Lanka (22nd), Pakistan (24th) and Bangladesh (31st) all rank higher in South Asia.

Of 18 sub-regions, South Asia ranks 6th for HPI. Latin America – with 9 of the top 10 countries – tops the list, followed by South East Asia, North Africa and China.

New development model

NEF claim that HPI provides a better way of analyzing the success of a country than through standard measures of economic growth.

NEF researcher, Saamah Abdallah comments, “HPI suggests that the path we have been following is, without exception, unable to deliver all three goals: high life satisfaction, high life expectancy and one-planet living.” He goes on to say, “Instead we need a new development model that delivers good lives that don’t cost the Earth for all.”

To read the full report click here.

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Randomness of late monsoon raises Indian economic concerns

June 23, 2009 · Leave a Comment

As non-agricultural sectors grow reliance on a bumper harvest has reduced, however, lateness of this year’s monsoon is casting a shadow over the economy. Two thirds of India’s population still relies on farming for a livelihood and agriculture accounts for nearly 20% of the countries GDP.

A good harvest strengthens the rural economy as farmers make more money. A poor or late harvest means weddings – an expensive affair – and key purchases are put off to next year, damaging demand. A poor crop would also drive up – already high – food prices. The longer the country waits for the cooling effect of rain the more energy is consumed due to air conditioning, potentially leading to a widening of India’s power deficit.

Direct impact on stock market

In 2005, India’s Centre for Mathematical Modeling and Computer Simulation revised their forecast, from April prediction of 22% above normal rain, to 34% below normal, in doing so the Sensex dropped 77 points on the news.

Concern mounts

This year, Government has been bullish, claiming in reality a delay wont make much difference to the economy. However, news that rainfall from June 1st – June 17th was 45% below normal, has led to speculation that the Prime Minister’s Office is closely following the situation.

V.K. Sharma, head of research at Anagram Stockbroking believes there will be an effect if the rains stay away,  ”Delay in monsoon will play the spoilsport and may hit GDP by at least 1 to 1.5 percentage points.

FMCG’s likely to be hit

FMCG companies sell about one-third of their total products in rural areas, a fall in rural income has an impact. Nitin Paranjape, CEO and MD of Hindustan Lever is in no doubt of the monsoons importance to his business and the country, “We are watching this space and listening to what the weatherman has to say everyday. Subject to the (behaviour of) monsoon in the next few months, we should see good growth for FMCG sector. The business depends on monsoon, and the country depends on the monsoon”.

Until India upgrades agricultural infrastructure and expands irrigation systems, India’s economy, its businesses and farmers will always be at the mercy of the monsoon. India is looking to the skies.

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Indian mobile phone proliferation slows

June 21, 2009 · Leave a Comment

India’s booming mobile phone market, a symbol of Indian development has peaked. Subscriptions sign up – growing at 40-50% over the last three years – is likely to hit single digit growth in three years time. In addition, three key indicators show that profitability will be hit and a period of consolidation is likely.

Growth and revenues slows

Gartner Inc, a technology and market research company expect India to have 770 million mobile subscribers by 2013, up on current number of 450 million, an average growth rate of 14.3%. Reflecting this slowdown, revenues will grow at average 12.5% to around US$ 30 billion by 2013.

Passing the peak

2008 growth appears unlikely to be repeated, subscriptions jumped 50% and revenues grew 24% over 12 months. While numbers are likely to remain strong, rates of growth are expected to slow from now on.

3 key indicators set to affect profitability

Although growth is still healthy, three indicators – churn rate, proportion of pre-paid subscriptions and average billing rates – suggest profitability will be hit.

Churn rates will increase from current levels of 53.2% to 59.6% by 2013, making harder for telco’s to hold on to existing customers. Postpaid subscription market – most profitable service – is set to decrease from 7% of overall market to just 4% during the same period. Despite 3G and other value added services hitting the market, most new subscriptions will come from poorer rural India; this factor will inevitably drive down average bill sizes.

Consolidation

While there are currently 14 operators in the market, tougher conditions are expected to lead to sector consolidation. Gartner expect this number to drop to between 8 and 10 in two years. They also conclude that in the long term the market will be able to support just 5 major operators. Expect a phase of acquisitions.

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McDonald’s set the standard for India market entry

June 18, 2009 · Leave a Comment

Cultural sensitivity isn’t always a quality associated with McDonald’s. Rightly or wrongly (depending on your point of view) the brand has been labeled as uncaring, unhealthy and imperialistic. However, in India it appears that their market entry strategy has earned them a number of fans and many Rupees.

Setting the standard

Over a conversation with an Indian retail expert our attentions turned to western retail brands and India market entry. My friend was very clear in terms of which brand had managed the transition best, without having to tinker with their core brand values or the fundamentals of their business; McDonald’s was the clear winner.

Products and Price

Through use of a joint venture arrangement they have successfully developed products and a pricing strategy to suit the local market, based on the fact that they have 160 restaurants across India you have to say it works.

Product: The McDonald’s menu in India contains no beef or pork, there is also an extensive vegetarian menu. Vegetarian and non-vegetarian food products are kept separate throughout the sourcing, supply chain, cooking and serving processes.

So while you can’t buy a hamburger or Big Mac, you can buy a McAlloo Tikki or a McVeggie burger.

Price: A price point of around – equivalent of – 20p for a burger means that McDonald’s has mass market appeal, making it a viable option for the majority of the population, not just an expensive treat for the more affluent.

McDonald's India

McDonald's India

Riding India’s demographic wave

While McDonald’s know older generations brought up on a different cooking style are unlikely to chose to eat from their menu, India’s young demographic allows the company to concentrate on attracting younger consumers, eager to try newer food concepts.

Local knowledge

While some retailers see joint ventures as unsatisfactory, McDonald’s have benefited by tapping in to local knowledge and developing cultural understanding. Following four years of preparation and twelve years of trading, McDonald’s have established the perfect business at the perfect time, without compromising their core brand.

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Mumbai malls fail taxi driver test

June 17, 2009 · Leave a Comment

A quick test to find out whether any single mall in Mumbai stands out from the rest. Not scientific by any means but feedback to the question, “Of all the shopping malls in Mumbai which one should I see”, produced some interesting comments, one in particular was more interesting than others.

The theory

My theory is in a booming market full of eager retailers looking to expand and consumers willing to spend, building profitable shopping malls is relatively easy. When these dynamics go in to reverse things aren’t so simple, a scenario facing India.

The squeeze is being felt, AsiaProperty magazine have reported that 11 of 15 malls on MG Road, Gurgaon, have had to refit to create mixed-use schemes as demand for retail space slows. In my opinion part of the reason is that developers have been building malls, not building brands, they have been busy badging “me-too” malls instead.

While a well-positioned and clearly defined brand wont solve all problems, it will help malls stand out from the crowd. More importantly it will help the developer make informed decisions about the tenant mix and service offer based on an understanding of who their target customer is.

The question

Having asked the question, general consensus was that Inorbit Mall – due to its size – was the place to go. While the size of a mall can be important, a competitor can always build a bigger mall, in India where malls are in close proximity this would be a real problem. Regardless, I set off in a taxi with a relatively open mind.

The Taxi twist

The taxi driver spoke good English and asked what I wanted to buy. Having told my story he suggested the Oberai Mall instead. His reasons were telling, it was closer and in his opinion all Mumbai malls were the same, as he put it, they have McDonalds, cinemas and the same shops.

If taxi drivers can see this, the customers they deliver to malls can too. If the retail and leisure mix isn’t providing differentiation, the brand has to. If this scenario is correct Mumbai shoppers are likely to be visiting the mall nearest to home, making customer attraction and retention increasingly difficult.

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Nokia top India’s ‘most trusted’ brand survey

June 17, 2009 · Leave a Comment

For the second year running, Nokia has topped India’s prestigious ‘Brand Equity Most Trusted Brands (MTB) Survey’. Now in its sixth year, the survey run by Nielsen on behalf of the Brand Equity publication shows the strength of India’s FMCG segment, eight of  the top 10 fall in to the category of frequently purchased consumer products. The findings also show how locally established brands remain competitive against international entrants.

Hindustan Lever lead the way

Hindustan Lever (part of Unilever) dominates with three brands – Lifebuoy, Lux and Pepsodent – in the top tier, and a total of seven in the top 20. However, their Pond’s brand is also the biggest faller, dropping to sixteenth place, down eleven places on last year.

Reliable Reliance Mobile

There are two new entries in this year’s top 10. Horlicks, owned by GlaxoSmithKline and one of the oldest brands in India jumps in at number 6, following years in the top 20 but it is Reliance Mobile at number 10 which stands out most. Having never featured in the top 20, Reliance Mobile takes its place at number 10. Given its high profile sponsorship of the Twenty20 World Cup, it will be interesting to see – despite India failing to retain the trophy – whether the brand receives a boost in next years survey.

Mobile phone brand boost

Reflecting the remarkable growth of India’s mobile phone sector, it isn’t surprising to find that telecom brands are becoming increasingly influential. In addition to Nokia and Reliance Mobile, Airtel (12th), BSNL (19th) and Vodafone (30th) all break the top 30.

Local and International brands

The list contains an interesting mix of local and International brands. While mega FMCG and technology brands like Pepsi (26th), Coca-Cola (32nd), Sony (38th), Motorola (81st) and Nestle (99th) find a place in the top 100, locally established brands – some admittedly now owned by international brand owners – are represented through out.

State Bank of India (13th), Life Insurance Corporation of India (17th), Parle Products (22nd), Dabur (28th), Godrej (44th) and Fevicol (54th) prove that where “trust” is concerned, local brands can compete strongly against international brands and their owners.

To see the complete list of India’s most trusted brand click here.

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India Insights update – India trip 15 – 25 June

June 14, 2009 · Leave a Comment

Apologies for the slow down in content this month, time has been scarce as I have been finalising a research trip to Delhi and Mumbai. The trip between 15th and 25th June provides an opportunity to catch up with a number of Indian opinion formers and pioneers, including business men, industrialists, the editor of a national newspaper, an author and an ambassador. 

Many thanks to Rahul Mittra of Brandsmith India for his assistance.

Should be good! I will report back soon.

Dominic

email me at – dominic@india-insights.co.uk

follow me on twitter – www.twitter.com/india_insights

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Indian youth drives increase in India e-payment

June 14, 2009 · Leave a Comment

Improving internet access and security and the popularity of the mobile phone are factors set to accelerate e-payment transactions.  While India’s consumers have traditionally preferred to pay in cash for purchases, younger consumers are adopting more convenient and faster methods of payment.

70% growth in e-payments

Value of India e-payment market is predicted to grow to between US$ 150 billion and US$ 180 billion by 2010, representing 2-year growth of 70% according to research and consulting firm Celent.

Low number but high value transactions

Celent’s report, “Payments in India Going e-Way” shows that while cash is king – 63% of total payments by volume are made using Rupee’s – transaction value is weighted in favor of electronic payment methods, 75% of payment value comes from e-payment.

Debit and credit cards

This sea change in buying behavior will be reflected in adoption of debit and credit cards. The debit and credit card market grew at a compound annual rate of 128.7% between 2004 and 2008.

Celent estimates India has 130 million cards in circulation and that this figure will hit 210 million by end of 2010. Of this overall figure 169 million will be debit cards (up on current figure of 102.4 million), the remaining 40 million will be credit cards, up from 27.5 million.

Despite the difference in numbers, total credit card transaction value is set to eclipse more popular debit card transaction value. It can only be hoped that a preference for credit doesn’t become a reliance on credit, a scenario facing many UK consumers, the BBC report that UK personal debt now totals close to £1.5 trillion.

India’s youth driving change

As with nearly all growth industries in India, the country’s young population is responsible for shaking up conventional consumer behavior, estimates suggest 18 – 25 year olds contribute 46% of all online bill payments.

Having grown up with technology e-payment is the norm. Increased internet use has removed borders, and easy to use PayPal is making international internet transactions safe as well as convenient.

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