Vansh Sheth
Research Analyst, Capera
Writes sharp essays about banking systems, capital flows, and markets infrastructure.
6 articles published
Articles by Vansh
RERA Escrow Architecture in India — 2026 Edition
A regulatory-circular-level structural deep-dive for institutional investors. State-wise analysis of escrow rigidity, compliance intensity, and capital risk across Maharashtra, Karnataka, Gujarat, Uttar Pradesh, Telangana, and Haryana.
UAE RERA Escrow Architecture (Dubai Focus) — 2026 Edition
A regulatory-grade structural analysis of UAE escrow regulation under Dubai Law No. 8 of 2007. Comparative study of Dubai vs Abu Dhabi escrow systems, milestone-based disbursements, and investor risk modeling.
EBLR vs MCLR: What Changed in 2019, and Why Your Loan Reset
RBI replaced banks' internal cost-of-funds benchmark with an external one for retail floating-rate loans. The mechanics, the borrowers who got moved, the ones who didn't, and what's still priced off MCLR seven years later.
Repo Passthrough: What It Actually Means for Your Home Loan EMI
A 25 bps repo cut does not reach your EMI overnight. How the cut transmits through EBLR, why some banks pass less than the full move, and how to tell if your bank is dragging its feet.
Floating vs Fixed Home Loans: The Trap Most Borrowers Miss
Indian banks rarely sell a true fixed-rate home loan for the full tenure. The reset clause buried in the sanction letter is where the floating-vs-fixed question actually gets answered.
United States Escrow Architecture — 2026 Edition
A structural analysis of U.S. residential and capital markets escrow frameworks. Comprehensive breakdown of RESPA, Regulation X, and contractual escrow models for institutional investors.