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A report by CRISIL on the declining growth rate of Education Loan Assets under Management (AUM) of NBFCs was recently published, and quoted by multiple media houses. The report gives interesting statistics with respect to the scale and geographical split of these loans.
| Year | Edu Loan AUM | Growth |
| FY22 | ₹13,000 crore | 51% |
| FY23 | ₹25,000 crore | 83% |
| FY24 | ₹44,000 crore | 77% |
| FY25 | ₹64,000 crore | 48% |
| FY26(p) | >₹80,000 crore | 25% |
Trend in education loan AUM of NBFCs: [1]
Trend in geographical split of AUM: [1]
| Country | FY24 | FY25 |
|---|---|---|
| USA | 53% | 50% |
| Canada | 15% | 12% |
| UK | 15% | 20% |
| India | 9% | 8% |
| Others | 8% | 10% |
NBFCs’ Education Loan Gross NPA (%): [1]
| Period | Gross NPA (%) |
|---|---|
| FY21 | 0.3% |
| FY22 | 0.2% |
| FY23 | 0.1% |
| FY24 | 0.2% |
| FY25 | 0.1% |
One commentary read:
"Gross NPAs stood low at 0.1% as on March 31, 2025. And even after adjusting for the moratorium, gross NPAs were well under control at ~0.7%. However, high growth in the past few years and estimated ~15% of the portfolio coming out of contractual moratorium this fiscal pose some asset quality risks."
A follow up commentary read:
"Still, Crisil cautioned that around 85% of the current education loan book remains under contractual principal moratorium, and nearly 15% is expected to exit this shield in FY26, posing risks to asset quality."
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Private Equity (PE) is one of the most coveted industries in finance. One of the highest paying industries, Private Equity (PE) attracts absolute creme-de-la-creme of MBA graduates, management consultants, and investment bankers. Also highly competitive, PE funds hire only a handful of investment professionals across levels in a year.
A+ research team has spoken to multiple PE professionals across domestic and global PE funds in India. In the table below, we have compiled average base compensation, variable (bonus) and carry components at blue chip global PE funds in India.
| Role | Yrs of exp | Large Global PE Funds (base salary) | Bonus (as a % of base) | Carry | |
| Analyst | 0-3 yrs pre MBA | $60K-$80K | 60-100% |
Notional Carry or LTI or Certain bonus is paid in the form of carry distribution in case of multi-billion dollar funds*
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| Associate | MBA with 4-6 yrs exp | $100K-$150K | 80-100% | ||
| VP | MBA with 6-10 yrs exp | $200K- $250K | 90-120% |
Estimated 0.5%-2% of the carry pool for a multi billion dollar fund*
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| Principal | MBA with 7-10yrs exp | $300K-$400K | 90-120% | ||
| MD | $500K+ | 100-150% | |||
| Notes: |
These figures are estimates of salaries at top global PE funds like Bain, Carlyle, TPG, Warburg Pincus, General Atlantic and the likes
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Buyout focused funds have 30-50% higher base salaires and respective bonuses
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*These are estimates from the information gathered through our network; might change/vary with more data
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This market research report presents Private Equity funds that are active in Indian markets as of 2025, and have an AUM of 250 million or more. This list includes both domestic and global private equity funds. While comprehensive, this is not an exhaustive list.
This report might benefit product and service providers to the Investment Management industry, Consultants and Investment Bankers, and job seekers aspiring to break into one of the most coveted, competitive and high paying industries globally.
We’ve all been there. You open your phone “just to check one thing” and—boom—you’re 72 minutes deep into scrolling reels. Somewhere between a cute puppy video and a billionaire success story, you forget what you came for. And then it hits you—*the guilt*. Work is pending, chores are waiting, and your brain feels… fried.
Reels and short videos are incredible sources of information and entertainment. But here’s the tricky question—is our brain really equipped for this kind of content?
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1. Emotional Whiplash is Real
Your brain is the most powerful thing God gifted you. It’s built to process one emotion at a time. You can’t laugh and cry at the same moment, right? But reels force your brain into emotional gymnastics:
- 0:02 – Delicious biryani (hungry!)
- 0:05 – Horrifying accident (sad!)
- 0:08 – 19-year-old becomes a billionaire (competitive!)
- 0:12 – Poor man searching for food (grateful… or guilty?)
Within seconds, you’ve felt 10 different things. That’s not multitasking—it’s emotional chaos. Over time, this dulls your ability to feel any emotion deeply.
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2. The Trap is Invisible
No one says, “I’m going to watch reels for the next 3 hours.” The scary part? You don’t even realize when you’ve been sucked in. Your brain stops being in charge—you’re just swiping.
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3. Post-Scroll Blues
Ever felt low, restless, or oddly sad after long scrolling? That’s your brain struggling after rapid-fire emotional switches. And since it happens repeatedly, it’s no longer “just a bad day.” It’s rewiring your mood patterns.
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4. Reality Gets Distorted
The internet has millions of “experts”—teachers without degrees, traders without licenses, astrologers predicting your breakfast. A little knowledge used to be dangerous. Now, *abundant unverified knowledge* is even worse. People buy impulsively, compare endlessly, and believe things far from reality.
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5. It’s for Everyone… and That’s a Problem
A 2-year-old and a 60-year-old consuming the same unfiltered feed? Hazardous. What’s healthy for one mind might be harmful for another. And many of us don’t even follow what we “learn” online in real life—we just keep scrolling.
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So, What’s the Fix?
I’m not against reels. They’re amazing for quick learning and staying updated. But consumption should be intentional. Set a personal limit—maybe 15 to 30 minutes a day. Watch, enjoy, learn… then *log off and live*.
Because at the end of the day, your brain is too valuable to be a slot machine for random content.
Remember: You own your phone. Don’t let your phone own you.