All posts by rekha nair

Discover how advanced anti-ageing treatments are transforming modern skincare, offering minimally invasive solutions for youthful, radiant skin

By Dr. Manu S. Walia, MD – Chief Dermatologist, The Derma House, Mumbai

Age Gracefully – With help from Science

Ageing is a natural process, but today, it’s no longer something we must accept without control. Advanced anti-ageing treatments have revolutionized the skincare industry, empowering people to maintain youthful, healthy skin without undergoing major surgery.

Whether it’s fine lines, sagging skin, or pigmentation, advanced anti-ageing treatments now offer precise, effective, and minimally invasive solutions. Dermatologists are combining science with aesthetics to help clients age with confidence and without compromise.

What’s Behind the Boom in Anti-Ageing Therapies?

Factors like longer life expectancy, social media influence, and increasing awareness about skin health have encouraged people to seek preventive and corrective measures earlier in life.

Today’s best anti-ageing therapies focus on restoring skin structure, improving tone and texture, and stimulating collagen production – all while minimizing downtime and discomfort. Thanks to medical advances, many procedures now deliver visible results after just a few sessions.

Injectables: Subtle, Strategic and Effective

Botox and dermal fillers remain among the most popular anti-ageing solutions. These injectables can:

• Soften dynamic wrinkles like frown lines and crow’s feet.
• Restore volume in cheeks, temples, and lips.
• Sculpt the jawline and enhance facial contours.

Dermatologists use a strategic approach – focusing on balance and proportion rather than dramatic change. Newer products, like hyaluronic acid-based fillers with advanced crosslinking, offer longer-lasting results and better integration with facial movements.

Skin Boosters and Biostimulators: Hydration Meets Rejuvenation

Injectable therapies, including skin boosters and biostimulators, are changing how we treat dull, dehydrated skin. Unlike traditional fillers, skin boosters deliver deep hydration and glow, improving skin elasticity and reducing fine lines.

Biostimulators work by stimulating your body’s own collagen and elastin production, resulting in a gradual and natural lift. These treatments are ideal for patients seeking subtle yet long-term improvement in skin quality.

Laser and Light Therapies

Laser technology has come a long way. Lasers now treat a wide range of age-related skin concerns – safely and with minimal recovery time.
Q-switch laser and Er:YAG lasers are used to smooth wrinkles, tighten skin, and fade pigmentation or sunspots. Intense Pulsed Light (IPL) targets pigmentation, while Nd:YAG lasers address vascular concerns and stimulate dermal renewal.

New devices combine radiofrequency and microneedling, delivering energy deeper into the skin and boosting collagen synthesis with greater precision. These treatments often require fewer sessions and show impressive results in skin firmness and texture.

Chemic

al Peels and Exfoliation Therapies

Today’s chemical peels are tailored for specific skin types and concerns. Using ingredients like glycolic acid, TCA, lactic acid, or salicylic acid, peels promote exfoliation, reduce pigmentation, and improve tone and texture.

Milder peels are perfect for regular maintenance, while deeper peels can dramatically reduce fine lines, acne scars, pigmentation and sun damage. These treatments are often combined with laser therapy or microneedling to maximize results.

Topical Innovations and Prescription Skincare

Topical therapies have evolved due to advances in dermatological science. Prescription-grade retinoids, peptides, antioxidants and growth factors are now key players in any anti-ageing routine.

Medical-grade skincare products, often recommended through dermatology clinics, penetrate deeper than over-the-counter formulas. These products support skin renewal, protect from environmental stress, and optimize the effects of in-clinic procedures.

Personalized Anti-Ageing Plans at Dermatology Clinics

Leading clinics like offer comprehensive consultations to build tailored anti-ageing programs. Using tools like digital skin analysis and hormone profiling, dermatologists assess skin damage, collagen loss, and pigmentation patterns.

Patients may undergo a mix of therapies – injectables, energy-based treatments, and medical grade skincare products delivered over several sessions for maximum effect. These combination strategies ensure natural-looking, long-lasting results.

Who Benefits from Advanced Anti-Ageing Treatments?

Modern anti-ageing treatments are suitable for anyone looking to:

• Prevent early signs of ageing
• Correct fine lines, sagging, or pigmentation
• Improve skin tone, texture, and hydration
• Boost confidence and self-esteem

You don’t have to wait for wrinkles to deepen or skin to sag dramatically. Many patients begin preventive care in their late 20s or 30s to stay ahead of the ageing curve.

Conclusion: Age Smarter, Not Faster

Thanks to advancements in dermatology and cosmetic science, ageing gracefully is more achievable than ever. From injectables to energy-based devices, today’s anti-ageing treatments are safe, effective and tailored to your unique skin needs.

If you’re looking to refresh your appearance without drastic change, start by consulting a trusted dermatologist. A custom treatment plan could be the beginning of your skin health journey.

New Delhi, October 21st, 2025: Toni&Guy Academy Delhi, a premier destination for professional hairdressing education, is setting new benchmarks in the beauty and grooming industry with an evolved curriculum, internationally trained educators, and exceptional placement outcomes. With a strict 1:10–12 trainer-to-student ratio, the academy ensures personalised learning while also expanding batch sizes to meet rising demand without compromising on quality.

What truly sets Toni&Guy Academy Delhi apart is its faculty — every educator is rigorously trained in London and brings world-class expertise to the classroom. The academy’s globally recognised diploma is backed by advanced modules in haircutting, colouring, and styling, all designed to keep students aligned with international trends. A unique offering is its in-salon learning model, which includes three-week internships, giving students hands-on exposure in real salon environments.

The academy reports a 96% placement rate, with graduates securing roles at Toni&Guy salons and franchises across India, as well as at leading domestic and international salons. Many alumni have also gone on to successfully launch their own ventures, further showcasing the academy’s ability to shape entrepreneurial talent in addition to skilled professionals.

“At Toni&Guy Academy Delhi, our vision goes beyond training—it’s about creating industry leaders equipped with both global exposure and local market insight,” said Raghav Bambri, Co-owner of Toni&Guy North-west India. “With our expert educators and comprehensive curriculum, we aim to empower every student to build a sustainable and rewarding career in beauty and hairdressing.”

 

Looking ahead, the academy is introducing specialised programs such as a two-week advanced barbering course and a four-week intensive colour course, catering to diverse career aspirations. With students enrolling from across states like Rajasthan and Punjab, Toni&Guy Academy Delhi continues to expand opportunities beyond metropolitan hubs, strengthening India’s fast-growing beauty and wellness talent pool.

With a commitment to excellence, global-standard training, and unmatched career opportunities, Toni&Guy Academy Delhi stands as the destination for aspiring hair professionals who want to shape the future of beauty.

October 9, 2025: Every household faces uncertainties, and financial security can often feel fragile in the face of life’s unpredictability. A term life policy is designed to provide stability in such times. It is affordable, straightforward, and built to protect families from the burden of financial loss. By paying a fixed sum to your family members in the event of your untimely demise during the policy term, it ensures that their future plans are not disrupted.

Whether it is maintaining a home, paying off debts, or securing children’s education, this type of cover can act as a vital safety net. Keep reading to understand its features, benefits, and why a term life policy is considered a cornerstone of sound financial planning.

What is a Term Life Policy?

A term life policy is the simplest form of life insurance. It provides pure risk cover, meaning the only benefit is the payout to nominees if the insured person passes away during the chosen policy term. Since it does not have an investment element, premiums are comparatively low. This makes it an efficient way to secure high coverage at a fraction of the cost of other life insurance options.

Why Families Need a Term Life Policy

Families often rely on a single source of income to meet essential expenses. The sudden loss of that income can cause significant financial distress. A term life policy helps to replace this income and ensures that dependents can continue their lives without interruption.
The benefit amount can be used to repay loans, cover household costs, or invest in education and healthcare. By taking this step, you create a foundation of security that supports your loved ones during uncertain times.

Features of a Term Life Policy

There are some essential features of a good term life policy. Here are a few to name some:

Affordable Premiums

The cost-effectiveness of a term life policy is one of its strongest advantages. Even with a modest premium, you can secure a sum assured that is large enough to provide meaningful financial support to your family.

Flexible Duration

Policies offer flexibility in selecting terms that can range from 10 years to 40 years. You can align the cover with life stages such as raising children, paying off a mortgage, or reaching retirement.

High Sum Assured

Because the premiums are low, you can opt for a high sum assured. This ensures that your family is well-supported in the long term, meeting major commitments with ease.

Customisation with Riders

Optional riders can be added to a term life policy. These include critical illness cover, accidental death benefit, or waiver of premium. Riders make the plan adaptable to individual needs and risks.

Eligibility and Documentation

To purchase a term life policy, you must fall within the eligible age bracket, usually between 18 and 65 years. Standard documents include proof of age, address proof, identity proof, and income records. For higher cover amounts, medical tests may also be required. Having these ready ensures your application process is smooth and efficient.

How Premiums are Calculated

The premium of a term life policy depends on your age, lifestyle, health condition, and the coverage amount you choose. Younger applicants with healthy habits usually enjoy lower rates. Starting early means you can lock in a cost-effective premium for the entire term, which makes long-term planning easier and more affordable.

Tax Benefits of a Term Life Policy

In addition to financial protection, a term life policy provides tax savings under the Income Tax Act. Premiums paid can be claimed as deductions, and in most cases, the death benefit paid to nominees is exempt from tax. This dual benefit makes the policy a practical tool for managing both protection and tax efficiency.

Clearing Common Misconceptions

Many people delay buying a term life policy because of misunderstandings. Some assume that if the policy has no maturity benefit, it is of limited value. The fact is, its primary goal is to provide protection, which is invaluable.

Others think the buying process is complex. In reality, online platforms have made it straightforward, with clear terms and transparent comparisons available at your fingertips.

To select the right term life policy, calculate your family’s needs, including living expenses, future education, and outstanding liabilities. Decide the duration for which your family will require support. Then compare policies on their coverage, riders, and premiums. Honesty in declaring your health and lifestyle details is important to avoid claim issues later.

Claims Process and Settlement

The effectiveness of a term life policy is seen during claims. A reliable claim settlement ratio is essential to ensure that nominees receive benefits without delay. Beneficiaries need to provide documents such as the death certificate, identity proof, and the original policy. A smooth claims process provides comfort to the family in difficult times.

A Policy that Protects When it Matters Most

A term life policy is one of the most effective ways to provide financial protection for your family. With its affordable premiums, flexible terms, and significant coverage, it ensures that loved ones are shielded from financial strain in your absence.

This type of policy should be viewed as a financial essential, rather than an optional choice. If you are ready to make this commitment, you can compare options and purchase through trusted online insurance brokers like Jio Insurance Broking Ltd.

By Nidhi Shingade, IEEE Impact Creator

In today’s evolving world where we talk about technologies such as AI, AR/VR, Edge Computing, Cybersecurity has started playing a key role. With this upcoming technology, each one of us is getting exposed to new cyber threats, and that’s where the requirement of talented cybersecurity consultants is increasing day by day.

Whether it’s a private or government entity, everyone wants their infrastructure to become cyber-resilient. Cybersecurity is an ever-evolving career as with every new aspect of technology, we need more safeguards to protect our infrastructure.

With every cyber-attack, there is a chance of data theft, which may affect us financially, emotionally, and economically as a country. It has been forecasted that there would be a major shortage of cybersecurity professionals in future.

With every problem, there’s a chance to evolve our career by keeping ourselves industry-ready. This cybersecurity talent crisis is showcasing both a challenge and an opportunity for young minds. These minds usually have doubts about whether they are up to the mark for the industry. However, the mindset of the industries are changing every day. They look forward to applicants who are ready to adapt and learn quickly.

In this article, we will explore the cybersecurity talent shortage and effective pathways toward building a cybersecurity career in 2025.

Select Your Career Path, Elevate Your Skills: This is a mantra to become one step ahead in your career, i.e. Clarity of your thoughts. If you don’t know what you want in life. It’s impossible to get a correct career path. So listen to your heart and imagine where you want to see yourself in the next few years. Take the step ahead!

Once you’re clear with the career path, start mastering those skills. Industry needs a Subject Matter Expert! And if you’re the one who loves to deep dive, this is the golden opportunity for you all.

Cybersecurity isn’t a one-size-fits-all profession—it’s a dynamic field with diverse career paths tailored to different interests, aptitudes, and goals. Whether you’re inclined toward ethical hacking, cloud security, digital forensics, risk management, or AI-driven threat intelligence, choosing the right path is the first step toward long-term success.

Certifications that Accelerate Career path: Certifications remain a powerful differentiator in today’s competitive cybersecurity job market. They validate expertise, build credibility, and open doors to specialized, high-paying roles.

There are different certifications such as CEH, CISSP, or CISM can boost credibility. Soft skills—like communication, problem-solving, and leadership—are equally critical, enabling professionals to translate complex threats into actionable business insights.

Hands-On Experience via Projects and Hackathons: In cybersecurity, theory alone isn’t enough—real-world skills define employability. Employers increasingly look for candidates who can demonstrate practical expertise in identifying vulnerabilities, mitigating threats, and responding to incidents.

Project helps in developing security tools, or contributing to open-source platforms—help professionals apply knowledge to real scenarios. These experiences showcase initiative and problem-solving skills of individual beyond certifications. Hackathons provide immersive, high-pressure environments to test and sharpen skills.

Specialize in Emerging Domains: There’s a major need of having knowledge of emerging domains. With this new emerging domains there’s a need of Cybersecurity professionals who already aware of those technologies.

The future of cybersecurity is evolving. Focus on high-growth areas like cloud security, AI-driven threat detection, and zero-trust architecture. Developing expertise in niche areas sets you apart in a crowded job market.

Commit to Lifelong Learning: Cyber threats evolve constantly—so must your skills. Stay updated with industry trends, attend conferences, follow threat intelligence feeds, and continuously refine your knowledge.

Connect with the like-minded individuals and forums to learn what’s happening in the market is a must!

Cybersecurity talent crisis will be the next talk of the town. Every day, new threats emerge, and without enough skilled professionals to cope up, our digital world remains vulnerable. But within this challenge lies an incredible opportunity.

For anyone considering their next career move, cybersecurity in 2025 offers more than just a job—it offers purpose. It’s a field where your skills can protect people, shape industries, and make a lasting impact. The key is to take action: choose a path that excites you, build practical skills, earn certifications that matter, and never stop learning. Let’s make our digital future safer for everyone!

New Delhi, September 19, 2025: Atal Foundation, dedicated to holistic development and social upliftment, celebrated its Foundation Day at the Prime Ministers’ Museum in New Delhi with the 5th edition of the Atal Bhushan Awards.

On this occasion, the National Atal Awards and Atal Bhushan Awards ceremony was held to honor distinguished individuals for their remarkable contributions to society. This year, a total of 22 National Atal Awards, 14 Atal Bhushan Awards, 1 Atal Alankar Award, and 1 Atal Icon Award were presented.

Among the prominent awardees this year were Ankit Rathi and Sanjay Gajanan Gate, who received the Atal Alankar Award; Avneesh Singh Bisen, who was honored with the Vishva Youth Atal Icon Award; and Pratibha Sharma and Shalini Kangra, who were conferred with the National Atal Award. Additionally, Pankaj Chawla and Inspector Ram Ratan Singh were also recognized with the National Atal Award. These winners are known not only for their excellence in their respective fields but also for being sources of inspiration to society and the nation.

Receiving the honor, Avneesh Singh (Director & CEO, DCJ Group) said, “Receiving this award at the Prime Ministers’ Museum is a moment of pride and inspiration for me. This is not just an award, but also a responsibility to carry forward the ideals of Atal Ji and take India to new heights.”

The ceremony was graced by the esteemed presence of dignitaries including former Union Minister Dr. Satyanarayan Jatiya; chief patron of Atal Foundation and former BJP National Vice President Shyam Jaju; 1008 Mahamandaleshwar Rajesh Ojha Ji; Parliamentary Committee member Avinash Rai Khanna; Ashok Aggarwal from International Vaish Federation; and Bajranglal Bagda, General Secretary of Vishwa Hindu Parishad. Their presence added special significance to the ceremony and highlighted the importance of recognizing contributions to society.

Addressing the gathering, Shyam Jaju, chief patron of Atal Foundation and former BJP National Vice President, said, “Atal Bihari Vajpayee Ji was a great statesman whose name even today evokes trust, enthusiasm, and a sense of duty among people. From leading the nation as Prime Minister to establishing a direct dialogue with the common people, his vision laid the foundation of India’s progress. Under the leadership of Prime Minister Narendra Modi and Home Minister Amit Shah, this legacy is being carried forward, and today India is emerging on the world stage with confidence. Through these awards, Atal Foundation is keeping alive the values of service, integrity, and patriotism that Atal Ji embodied throughout his life.”

Former MP and former BJP National Vice President Avinash Rai Khanna also shared his thoughts, praising the work of Atal Foundation and congratulating Aparna Singh for her leadership. He said that Atal Foundation is working with unity across the nation.

National President of Atal Foundation Aparna Singh said, “Atal Foundation was established with the objective of holistic development and inclusive progress. The awards presented today symbolize our belief that true change is possible only when we honor those who dedicate themselves selflessly to serving society. By bringing contributors from diverse fields onto one platform, we aim to strengthen the collective power of inspiration for the nation. We remain committed to continuing our efforts for the empowerment of society and development in every sphere.”

On this occasion, the contributions of National General Secretary and Award Committee Chairman Radheshyam Ranga Ji and Award Committee Vice Chairman Lekhraj Maheshwari Ji were also significant.

The Atal Bhushan Awards and National Atal Awards have become important platforms to celebrate the spirit of social contribution and leadership. By bringing together visionaries and achievers from diverse fields, Atal Foundation continues to inspire the building of a strong and inclusive India.

Bengaluru, 18th September 2025 – MATTER, India’s pioneering electric mobility innovator, today announced the grand opening of its second Experience Hub in Bengaluru, located in Domlur. The new hub marks another milestone in MATTER’s rapidly expanding retail network, reinforcing its commitment to accelerate India’s transition towards clean, connected, and sustainable mobility.

The MATTER Experience Hub – Domlur, located at Hiranya Complex, 2/3, 1st Stage, Domlur, Bengaluru, Karnataka – 560071, offers a futuristic destination where riders can explore MATTER’s cutting-edge EV technologies and experience first-hand the AERA—India’s first geared electric motorbike.

The inauguration was graced by Chief Guest Shri Prabhakar Sindhe MA., LLB., ACP (Rtd.), alongside MATTER’s leadership team, dealer partners, and enthusiastic riders from across Bengaluru.

Speaking at the launch, Mr. Arun Pratap Singh, Founder & Group COO, MATTER, said:
“Bengaluru is India’s innovation capital, and Domlur is a vibrant, well-connected community at the crossroads of the city’s tech and residential hubs. With our new Experience Hub here, we are creating an opportunity for people to experience world-class EV technology up close. Through the AERA, we hope to offer riders not just a new way to commute, but a smarter, cleaner, and more exhilarating way to move through their city.”

The Dealer Principal, Ms. Bhanu Praveen, present at the scene, said:
“We are proud to bring this state-of-the-art EV experience to Domlur in partnership with MATTER. The city is ready for a new chapter in transportation, and with the AERA, we are offering something truly unique—where innovation meets performance.”

AERA – Geared for Thrills, Built for the Future

At the heart of the Experience Hub is the AERA 5000+, the world’s first manufactured geared electric motorbike and MATTER’s flagship innovation. Equipped with HyperShift, a 4-speed manual gearbox, the AERA combines the thrill of gears with the efficiency of electric power—bridging tradition and future mobility.

Visitors to the Domlur Hub can explore a phygital environment—where immersive digital engagement meets hands-on product experience. From interactive displays to test rides, the Hub is designed to help riders understand MATTER’s in-house engineered innovations that are shaping the future of urban mobility.

Key Features of the AERA 5000+:

• HyperShift Gearbox – 4-speed manual transmission with Eco, City, and Sport ride modes
• Liquid-Cooled Powertrain – Engineered for India’s urban traffic and high temperatures
• 7” Smart Touch Dashboard – Navigation, ride stats, media, and OTA updates
• 5kWh Battery Pack – Certified 172 km range; IP67 rated for dust and water resistance
• Quick Acceleration – 0–40 km/h in under 2.8 seconds
• Enhanced Safety – Dual disc brakes with ABS, dual suspension, smart park assists
• MATTER Mobile App – Real-time tracking, geo-fencing, ride history, remote controls
• Lifetime Battery Warranty – A first in India, ensuring long-term rider confidence

Driving Bengaluru’s Electric Momentum

As India’s EV adoption accelerates, Bengaluru—home to tech-forward, sustainability-conscious riders—plays a pivotal role in shaping the future of mobility. The Domlur Experience Hub will serve as a community hub for electric mobility, allowing enthusiasts to discover, engage, and join MATTER’s growing LOOPED program, which already connects thousands of riders across the country.

NBSS National Deputy Chairman extends wishes, praises Prime Minister’s leadership in welfare, development, and cultural revival

September 17, 2025: On the birthday of Prime Minister Narendra Modi, Dr. Bhargav Mallappa, National Deputy Chairman of the People Forum of India (NBSS), visited the Shiva Temple in Chitradurga to offer prayers where he performed special pooja for the Prime Minister’s long life, good health, and continued service to the nation.

Extending greetings on behalf of 140 crore countrymen, Dr. Mallappa said, “Prime Minister Modi’s leadership has transformed public service into visible action—whether in ensuring food on the plate of the poor, clean drinking water to every household, healthcare for every family, or a permanent roof over the heads of millions. His journey is an inspiration for every Indian, showing that real power lies in the resolve to serve the people.”

Dr. Mallappa noted that under the Prime Minister’s leadership, programmes like the Smart Cities Mission and AMRUT Scheme have reshaped India’s cities, providing cleaner, safer, and more modern living. Projects such as the Ram Temple in Ayodhya, the Kashi Vishwanath Corridor, and Ujjain’s Mahakal Lok have revived India’s cultural and spiritual heritage, instilling pride among citizens.

He also acknowledged the government’s decisive steps in safeguarding national security through bold measures such as the Air Strike and Surgical Strike, which sent a strong message to the world about India’s resolve to defend its integrity.

Highlighting economic reforms, Dr. Mallappa said that campaigns like Make in India, Startup India, and Vocal for Local have accelerated industrial growth, created opportunities for the youth, and paved the way for India to emerge as a global economic power. The Prime Minister’s efforts in securing global partnerships and investment agreements have further strengthened India’s position on the world stage.

Concluding his message, Dr. Mallappa expressed gratitude for the opportunity to contribute to India’s growth under the Prime Minister’s guidance. He extended his best wishes on behalf of the People Forum of India and the people of Chitradurga, expressing confidence that the Prime Minister’s vision will continue to lead India toward greater progress, prosperity, and pride.

– By Anil Pharande, Chairman of Pharande Spaces

Experienced real estate investors recognize that anticipating obstacles is equally important as identifying opportunities. Ignoring possible dangers might reduce profitability and jeopardize long-term objectives. Let’s look at eight of the most pressing challenges, as well as concrete measures for protecting your returns.

1. Rising cost of capital – reduces real returns

Borrowing costs influence both your financing expense and the benchmark yield you seek to outperform. India’s policy repo rate rose from 4.0% in January 2020 to 6.75% in August 2025, a 2.75 percentage point increase, while consumer inflation averaged 5.1% yearly throughout the same period. When your mortgage interest rate or other cash returns equal or surpass inflation, your ‘real’ profit approaches zero.

Strategy: Get fixed-rate loans when borrowing costs are low. Also, choose micro markets with above-average rental and capital appreciation.

For example, Moshi, Punawale, Ravet, Wakad, Pimpri, and Pimple Saudagar in Pimpri-Chinchwad Municipal Corporation (PCMC) have all delivered above-average rental yields of about 4-5% and capital appreciation of 8-12% CAGR over the last three years, thanks to PCMC’s metro and superior highway connectivity, proximity to IT/industrial hubs, and rapid infrastructure upgrades. In another scenario, in 2024, rentals in Hyderabad’s IT corridor increased by 7.8%, compared to a national average of 4.6%.

2. Taxes – a predictable drag if not managed

Stamp duty, registration fees, annual property taxes, and capital gains taxes can all devour 15-30% of your overall earnings. For example, buying a Mumbai property for Rs 1.2 crore in 2015 and selling for Rs 2.4 crore in 2025 results in a 20% tax on half of the profit, reducing your net gain to just 24% over 10 years.

Strategy: Consult a tax professional to maximize potential deductions including first-time homebuyer stamp duty refunds, Section 80C principle deductions, and Section 24(b) interest write-offs. Consider adding Real Estate Investment Trusts (REITs) to reduce pass-through tax rates.

3. Regulatory surprises and compliance risks

Land-use regulations, environmental approvals, and registration requirements may change rapidly. In 2023, Maharashtra’s RERA rule required projects to refile documents within 90 days or face suspension; one Pune developer saw resale prices drop 12% within two months of their RERA registration expiring.

Strategy: If you have invested in land for development, consult with a legal expert before registering for RERA or obtaining land titles. Also, keep an eye on local planning boards for rezoning requests or infrastructure plans that may affect growth possibilities.

4. Oversupply and changing demand patterns

What’s blazing hot today may cool tomorrow. Bengaluru’s Whitefield corridor added 15,000 units between 2021 and 2024, exceeding demand and resulting in a 9% price reduction in early 2025. Meanwhile, CBD office demand fell 14% as hybrid work gained hold, while peripheral business parks experienced 6% annual value improvements.

Strategy: Monitor absorption rates; less than six months of inventory indicates good demand. Favour mixed-use complexes that combine residential, retail, and office space to diversify income streams. Integrated townships are excellent investments from this standpoint.

5. Sales and liquidity constraints

Real estate is inherently illiquid, and forced transactions frequently result in 10-to-20% discounts. During Pune’s 2020 COVID shutdown, ‘urgent sale’ listings sold at significant discounts. If debt commitments or situations necessitate a speedy leave, discounts can deplete equity.

Strategy: Maintain cash reserves that cover 12-18 months of expenses and financing charges. Maintain loan-to-value (LTV) ratios below 60% to decrease refinancing risks.

6. Natural Disasters and Safety Risks

Floods, earthquakes, and cyclones may all devastate property values overnight. Thane’s low-lying suburbs had major monsoon floods in September 2022, resulting in an 8-10% value decrease and Rs. 250 crore in insurance claims. While ordinary plans cover structural losses, they rarely address market depreciation or company interruptions.

Strategy: Avoid high-risk floodplains and earthquake zones whenever possible. Invest in comprehensive, flood-adjusted insurance riders and set up emergency maintenance funds.

7. Opportunity cost of capital

A Rs. 5 crore investment in a Mumbai property yields a net rental yield of roughly 4% per year, whereas an identical amount invested in, say, a data centre or a luxury property in a popular vacation destination earns 7-8% for a comparable credit risk. Failure to compare other assets may lock you into inferior allocations.

Strategy: Conduct thorough opportunity-cost evaluations, comparing predicted internal rates of return (IRR) for various asset categories, including residential, industrial warehouses, REITs, and infrastructure loans. To maintain flexibility, consider allocating a portion of your portfolio to liquid securities such as REIT units or bonds.

8. Macroeconomic and geopolitical shocks

Interest rate changes, currency volatility, and political tensions all have an impact on the real estate market. The 2022-2023 China-Taiwan impasse reduced foreign direct investment in India’s housing industry by 15% while delaying project launches by 10%. Crude oil price spikes frequently drive central banks to hike borrowing costs, putting pressure on both developers and buyers.

Strategy: For large projects, prefer local currency financing and consider interest-rate swaps. Also, stay up to date on global developments and shift your focus to resilient segments such as logistics parks if cross-border threats worsen.

Developing a Strong Investment Plan

No one flaw will shipwreck every transaction, but the cumulative effect of these risks can be disastrous. Always calculate ‘real’ net gains after deducting all taxes and inflationary effects. Diversify across asset classes and markets, combining residential holdings with commercial, industrial, and alternative assets to smooth returns.

Maintain prudent leverage and liquidity, and if you are serious about your real estate investments, always seek expert advice – work with chartered accountants, legal experts, and local market analysts to negotiate complexity and avoid issues.

By incorporating these risk-mitigation measures into your investment strategy, you ensure that your real estate holdings not only expand, but also withstand changing market cycles and unexpected shocks.

Anil Pharande is CMD of Pharande Spaces, a leading real estate construction and development firm famous for its township projects in Greater Pune and beyond. Pharande Promoters & Builders, the flagship company of Pharande Spaces and an ISO 9001-2000 certified company, is a pioneer of townships in the region. With the recent inclusion of Puneville Commercial into one of its most iconic townships, Pharande Spaces taken a major step towards addressing Pune’s current and future requirements for fully integrated residential-commercial convenience.

September 9, 2025: European researchers sent a quantum signal over 250 kilometers using readily available parts. The project highlights the feasibility of quantum communications and quantum key distribution as governments prepare for an era in which quantum computers are able to overcome today’s encryption algorithms.

In early 2025, European researchers sent a quantum signal over 250 kilometers. The feat was impressive for a number of reasons, including the fact that the project used off-the-shelf parts and a commercial telecommunications network, even though quantum systems typically need cryogenic cooling.

But it also marks a major milestone in the development of quantum key distribution, which paves the way for ultra-secure quantum networks that can detect eavesdroppers and are highly resistant to hacking.

Quantum Communication

Quantum communication uses the strange properties of quantum physics — quantum particles act in ways that seem to defy the laws of classical physics — to send information in a fundamentally different way than traditional networks.

Instead of sending electrical signals through wires or radio waves through the air. Quantum communication sends individual particles of light, photons, that have been specially prepared in quantum states.

How Does Online Encryption Work Today?

Quantum key distribution is the most important tool in the quantum communications toolbox. But to understand why, you have to understand some basics about how the internet works today.

When you buy something online, your credit card information is encrypted, or scrambled, when you send it to the retailer. But before that transaction even happens, your computer and the retailer need to agree on a secret key to do that scrambling. Think of the key as a password. If someone has it, they unencrypt the message and steal your credit card information. How does your computer and the retailer share that key safely without someone being able to intercept that?

They use something called public key cryptography, which involves two mathematically-linked keys. One is public and readily available, but it can only be used to encrypt a message. The other is private and only the retailer has it. That secret key can only be used to unencrypt the message.

The method for securely distributing these keys was first developed in England in 1975 for national security purposes. It predates the internet, though it was so secret that the inventors could not discuss it for more than 20 years, and other researchers independently developed versions of it for commercial purposes.

Once the retailer decrypts your secret key using their private key, you both have the same secret. That retailer then has a key that decrypts your credit card information after it receives it. While an eavesdropper might be able to intercept the encrypted credit card information, the strength of that encryption is based on extremely complex math problems. Without the key, it would take a normal computer years to solve.

Why is Quantum Key Distribution Better

Quantum computers, however, would likely be able to decrypt those messages extremely quickly. And it’s not just credit card information that’s at risk, but a whole range of sensitive data held by governments and large corporations. While there aren’t any known quantum computers powerful enough to break encrypted messages today, many experts believe that milestone will be reached by 2030.

As a result, scientists and researchers are scrambling to find ways to improve encryption methods, and quantum key distribution is one of them.

With quantum key distribution, a sender and receiver can share random secret keys over an unsecured channel, which are usually encoded in photons. Because of the strange properties of quantum mechanics, however, if someone tries to intercept a quantum signal, the act of measuring it disturbs the quantum state, alerting both sender and receiver.

“Unlike current encryption that relies on math problems being hard to solve, quantum security is based on fundamental physics laws,” Rana said. “Conceptually, it’s totally different and really crazy to imagine!”

Countdown to Quantum

Quantum computers and quantum communications are still years, and maybe decades, away from becoming regular features of our lives.
While researchers have shown that it’s possible to send a quantum signal over long distances, there are still a lot of technical hurdles involved with integrating existing internet infrastructure and extending the range.

And despite significant progress over the last few years, quantum computers are still in their infancy, and require ultra stable, ultra-cold environments to operate. Even when they are created, it’s likely that quantum computers won’t be available to low-level internet scammers for decades.

But the rollout also won’t happen all at once.

For regular people, maybe five to 10 years is when critical infrastructure will use quantum-secured communication, and 10 to 20 years is when businesses handling sensitive data will adopt quantum security for high-value communications.

Consumer devices might incorporate quantum security features, but it’s likely that everyday communication will continue to rely on traditional techniques for decades.

“It’s hard to predict exactly,” Rana said. “Things move fast these days.”

Kolkata, September 09, 2025 — Chowman’s story is one where music and food find harmony. Its founder, a proud Bengali and frontman of the iconic Bangla rock band Lakkhichhara, grew up with a love for food deeply rooted in Kolkata’s bustling Indo-Chinese eateries. Later, while hosting the popular radio show Khetey Khetey Shono, he explored the city’s diverse foodscape, and global music tours introduced him to authentic Asian flavors far beyond what India knew as “Indo-Chinese.” That spark led to a dream—to make authentic Asian dining both accessible and affordable.

Chowman MD Debaditya with Father and the Students on Certification day

In 2010, Chowman was born from a modest 365 sq ft outlet in South Kolkata. With chopsticks placed on every table, the restaurant offered not just meals but an authentic cultural experience. The journey was filled with challenges—limited resources, long hours, endless dedication—but grit and passion transformed Chowman into a household name.

Today, Chowman stands as an institution in itself. With over 50 outlets across Kolkata, Delhi, Bangalore, Hyderabad, and Mumbai, the brand has become part of people’s lives—its signature delivery bags travel across cities and countries, and its chopsticks are treasured as keepsakes. Moving ahead with Mission 2030, Chowman aims to expand to 100+ outlets across India’s metros and Tier-2 cities like Pune, Chandigarh, Chennai, Nagpur, Lucknow and many more

Innovation remains its driving force. Chowman owns a one-of-its-kind noodle factory, ensuring unmatched quality and authenticity in every bowl served. A centralized kitchen crafts all of Chowman’s sauces, maintaining consistent taste across every outlet. Beyond operations, Chowman has become a case study at IIM Calcutta, exemplifying entrepreneurial success and business strategy. It has also grown into an institution of learning, imparting 6-month hospitality management courses for aspiring students in collaboration with reputed institutes like St. Xavier’s.

For its employees, Chowman builds a culture of growth, wellness, and inclusivity. From kickboxing self-defense workshops for women to the first-ever walkathon in India’s F&B industry, Chowman prioritizes holistic development, health, and empowerment at every level.

At its heart, Chowman remains true to its founding vision: to bring authentic Asian flavors—Chinese, Thai, Japanese, and Korean—into every neighborhood, while keeping dining warm, personal, and memorable. With its state-of-the-art kitchens, chef-led training, India’s largest in-house delivery fleet, and an app downloaded by over 4 lakh users, Chowman continues to redefine the foodscape of India.

Chowman is not just a restaurant. It is nostalgia, community, and comfort—an enduring reminder that true success is built on passion, perseverance, and the promise of sharing great food with everyone.