Selected Tag: Komal Gupta
Selected Tag: Komal Gupta
Komal Gupta

Komal Gupta

Komal Gupta is the Founder & Principal Consultant, Konsult Komal. She works extensively in the areas of corporate governance, especially in the cooperative sector

Opinion

Beyond the ₹100,000 Limit: Rethinking How UPI Classifies Small Merchants

India’s small-merchant UPI rules rely on a ₹100,000 monthly threshold. As digital payments grow, that limit may no longer identify the businesses it was designed to protect.

Rabi N. Mishra

Komal Gupta

October 15, 2026 at 6:46 AM IST

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UPI MDR

Cost of Sustainability Must Not Become the Cost of Digital Exclusion

India’s new UPI merchant fee framework seeks to make digital payments sustainable, but policymakers must ensure higher costs do not push small merchants back towards cash.

Rabi N. Mishra

Komal Gupta

October 13, 2026 at 11:44 AM IST

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The Independent Director Indian Cooperative Banks Have Long Been Missing

Cooperative banks need more than professional expertise. Independent judgement must improve oversight without displacing elected representatives

Rabi N. Mishra

Komal Gupta

September 28, 2026 at 9:58 AM IST

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The Missing Test of Governance in Cooperative Sector

The test of the quality of governance does not lie in the existence of an architecture – but in whether that architecture enables the institution to govern itself effectively.

Rabi N. Mishra

Komal Gupta

September 2, 2026 at 4:28 AM IST

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Basis Shorts

The Bureau

India Can Grow at 7% — But Reforms Must Go Deeper
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