Category business

MUMBAI, 23rd October, 2025: BSE Index Services Pvt. Ltd., a wholly owned subsidiary of BSE, today announced the launch of a new index – BSE Multicap Consumption (50:30:20) Index. The BSE Multicap Consumption (50:30:20) Index aims to track the performance of stocks representing the Consumption theme. Top 100 stocks from a universe of stocks belonging to the MEI Sectors ‘Consumer Discretionary’ or ‘Fast Moving Consumer Goods (FMCG)’ would be included in the index.

The BSE Multicap Consumption (50:30:20) Index is derived from the constituents of BSE 500 Index, weighing method is Float-Adjusted Market Cap with the base value as 1000. The first value date is 19th December 2005, and it is reconstituted Semi-annually in June and December.

Speaking at the launch, Mr. Ashutosh Singh, MD & CEO said, “The BSE Multicap Consumption Index offers a holistic representation of India’s enduring consumption story across market capitalizations, a theme that the government of India has repeatedly supported through various policy and taxation measures. Designed with investors and asset managers in mind, the index provides a robust benchmark and an investable framework for gaining access to a diversified portfolio of consumption-oriented companies”            

This new index can be used for running passive strategies such as ETFs and Index Funds as well as gauging the performance of Consumption sector in India. It can also be used for benchmarking of PMS strategies, MF schemes and fund portfolios. Investors can now access a broader spectrum of market opportunities, further enriching their investment strategies with this latest addition to BSE’s suite of indices.

Nexus Select CITYWALK Lights Up Diwali with ‘Petals of the Epic’ Décor, New Store Launches, and Festive Experiences

New Delhi, 23rd October, 2025: Nexus Select CITYWALK, known for its unique experiences for the patrons, is capturing the festive spirit with its opulent Diwali décor theme, “Petals of the Epic”, a magnificent 28-foot lotus-shaped lamp that stands as a luminous representation of tradition, storytelling, and festive spirit.

Alternate petals add cultural depth by depicting scenes from the Ramayana, turning the décor into a visual representation of the ageless Indian epic. A collection of celebratory features around the mall, such as outside balcony hangings, water-body decor, parking ramp focal pieces, and colourful low-ceiling hangings in red, gold, and orange, complements the installation, which is positioned as the visual masterpiece of the centre atrium. 

Festivities continue with an exciting lineup of events and launches:

• Polo Ralph Lauren opens its doors — the brand’s second store in India.
• Pokémon GO – LIGHTS Festival brings an interactive digital celebration.
• Thai musical performances on weekends, inspired by the mall’s Ramakin-themed décor.
• Fenty Beauty Pop-up at the Central Atrium from 22nd October.
• Diwali-inspired canvas painting workshops and a vibrant Diwali Flea Market at the Plaza.
• Over 200 brands offering festive collections and promotions, including five first-in-India stores.

The Nexus Select app rewards all purchases, allowing users to submit bills, accrue points, and redeem coupons for an extra festive bonus.

Nexus Select CITYWALK is inviting guests to join them in a memorable festive presentation this Diwali as they celebrate culture, creativity, and community.

Introduction to Tile Finishes

When it comes to home renovations, the choice of tile finishes plays a crucial role in transforming the aesthetic of a space. Among the various options available, glossy and matte tiles are gaining significant popularity among homeowners in the UK. These finishes not only influence the visual appeal of a room but also determine the functionality and overall atmosphere. Understanding the characteristics of each finish can help homeowners make informed decisions that align with their design preferences and practical needs.

Glossy tiles, characterized by their reflective surfaces, are often chosen for their ability to enhance light within a room. This quality can make smaller spaces appear larger and brighter, contributing to a vibrant and dynamic ambiance. The reflective properties of glossy tiles can also accentuate colors and textures, thus making them an appealing choice for modern kitchens and bathrooms. However, their shiny surface can sometimes show dirt and water spots more readily, necessitating regular cleaning to maintain their pristine appearance.

On the other hand, matte tiles offer a soft, non-reflective finish that can impart a sense of warmth and comfort to any area. This type of tile’s subdued texture allows for greater versatility in design, making it suitable for both contemporary and traditional interiors. Matte finishes are also less prone to showing imperfections and dirt, which can make them more practical for high-traffic areas or family homes. The choice between glossy and matte tiles can thus significantly impact not only the look of a space but also its maintenance and usability.

Given the myriad of choices available, homeowners often feel overwhelmed when deciding on the right tile finish. A thorough understanding of the unique features of glossy and matte options can significantly alleviate this confusion, guiding them towards selections that best suit their lifestyle and design goal.

Characteristics of Glossy Tiles

Glossy tiles are renowned for their shiny, reflective surfaces, which can significantly enhance the light within a room. These tiles are typically made from materials such as ceramic, porcelain, or glass, all of which can be polished to achieve a high-gloss finish. This reflective quality not only makes spaces appear larger and brighter but also adds a touch of elegance and sophistication to various interior designs.

One of the primary benefits of glossy tiles is their ease of cleaning. The smooth surface does not trap dirt or dust, making maintenance a straightforward task. Many homeowners find that a simple wipe with a damp cloth or a mild cleaning solution is sufficient to maintain the tiles’ pristine condition. Additionally, the versatility of glossy tiles allows them to be used in a variety of settings, from bathrooms and kitchens to living rooms and entryways. Their adaptability aids in creating stylish looks, whether one prefers a modern aesthetic or a more traditional design.

However, it is important to note that glossy tiles can present some challenges. One significant downside is their potential slipperiness when wet, which could lead to safety concerns, particularly in areas like bathrooms and kitchens. Homeowners should consider this factor, especially if there are children or elderly individuals in the home. Furthermore, while glossy tiles can reflect light beautifully, they can also showcase imperfections and fingerprints more prominently than matte finishes. This aspect may necessitate more regular cleaning to maintain their attractive appearance.

In summary, while glossy tiles offer numerous advantages, including lighting enhancement and ease of cleaning, potential downsides such as slipperiness should be carefully considered before installation.

Characteristics of Matte Tiles

Matte tiles are characterized by their non-reflective surface, which imparts a more subdued and natural aesthetic compared to their glossy counterparts. This distinctive feature makes them an appealing choice for homeowners wishing to achieve a less shiny look in their interiors. The texture of matte tiles often results in a warm, inviting atmosphere, perfect for creating spaces that feel comfortable and lived-in.

One of the primary advantages of matte tiles is their superior grip. Their texture allows for better traction, making them an excellent option for high-traffic areas such as hallways, kitchens, and bathrooms. Homeowners with young children or elderly individuals might find matte tiles particularly beneficial, as the risk of slips and falls is considerably reduced. Additionally, matte tiles are less prone to showing water spots, fingerprints, and smudges, making them easier to maintain in comparison to glossy surfaces.

However, it is important to consider some drawbacks associated with matte tiles. One potential issue is that stains may be more visible on a matte surface, particularly in lighter colors. The porous nature of some matte finishes can also lead to difficulties in cleaning if the surface is not properly sealed. Therefore, selecting the right materials and finishes for your home is essential to ensure longevity and ease of maintenance.

In terms of material, matte tiles can be made from various substances, including ceramic, porcelain, and natural stone. Each material offers unique properties, allowing homeowners to choose matte tiles that best suit their design and functional needs. Understanding these characteristics can ultimately assist in making an informed decision when selecting the appropriate tile for your living space.

Consider the Functionality of Each Tile

When selecting between glossy and matte tiles, considering the functionality of each type is paramount, as different areas of the home have unique requirements. For instance, in spaces prone to moisture such as bathrooms and kitchens, the texture of the tile can influence both safety and maintenance. Glossy tiles, while aesthetically appealing, can become slippery when wet, posing a safety risk. Therefore, matte tiles are often favored in these environments, as their textured surface provides improved traction, enhancing safety without compromising style.

Furthermore, the foot traffic in various areas of the home should be a key consideration. High-traffic areas, such as hallways and living rooms, will benefit from the durability of matte tiles, which are less likely to show scratches and wear compared to their glossy counterparts. In contrast, glossy tiles, often used in less frequented areas, can add a polished look and are easier to clean, as they do not retain dust and debris as readily. However, this ease of cleaning may be counterbalanced by their propensity to show fingerprints and smudges, which may require more frequent maintenance.

Moreover, the maintenance considerations cannot be overlooked. Matte tiles generally conceal dirt better, making them ideal for busy families or those who prefer a low-maintenance solution. In contrast, glossy tiles, while easier to wipe down, may require special cleaning products to avoid streaks and maintain their shine. Homeowners should weigh these factors carefully when deciding between glossy and matte tiles, ensuring that the functionality aligns with the demands of the specific space over aesthetic appeal alone. By prioritizing practical requirements, homeowners are likely to make a more informed and appropriate choice for their flooring needs.

Aesthetic Considerations: Style and Design Choices

When selecting tiles for your home, the finish—glossy or matte—plays a crucial role in defining the overall aesthetic of a space. Glossy tiles, with their reflective surfaces, offer a modern and sleek appearance, making them particularly well-suited for contemporary design themes. The shiny finish enhances light reflection, which can create an illusion of spaciousness, effectively brightening smaller rooms. Glossy tiles are often employed in minimalist and futuristic designs where clean lines and a polished look are paramount. Their ability to accentuate color and pattern also makes them ideal for statement walls or flooring in high-traffic areas.

In contrast, matte tiles lend themselves to a more rustic or traditional atmosphere. Their non-reflective surfaces provide a warm and inviting feel, making them appropriate for spaces that aim to convey cozy and earthy vibes. With a variety of textures available, matte tiles can enhance the tactile experience of a room, adding depth and character. These tiles work exceptionally well in kitchens, bathrooms, or living spaces decorated with natural materials such as wood or stone, seamlessly integrating into the overall design theme.

For homeowners seeking to combine both aesthetics, mixing glossy and matte tiles can yield striking results. This complementary approach allows homeowners to experiment with patterns and textures while maintaining a cohesive style throughout the space. For instance, using glossy tiles as accents alongside a base of matte tiles can create focal points that draw the eye while ensuring the overall design remains harmonious. When selecting both finishes, it is essential to consider color schemes and layout to achieve balance, as well as avoiding overwhelming contrasts that may disrupt the visual flow of the area.

Practicality and Maintenance: What Homeowners Need to Know

When selecting between glossy and matte tiles for residential spaces, homeowners in the UK should consider the practicality and maintenance requirements associated with each finish. Understanding how these tiles perform over time is essential in making an informed decision that aligns with lifestyle needs.

Glossy tiles are often preferred for their aesthetic appeal and ability to reflect light, creating an illusion of spaciousness. However, their shiny surface can attract dust and grime, making them more visible than on matte tiles. Cleaning glossy tiles typically requires a soft cloth and a gentle cleaning solution to avoid scratching the surface. It is important to regularly wipe them down to maintain their shine. Additionally, glossy tiles can be more susceptible to scratches, particularly in high-traffic areas, so careful attention to footwear and furniture placement is crucial.

Conversely, matte tiles offer a more subdued aesthetic that many homeowners find appealing. The textured surface of matte tiles helps hide smudges and minor scratches, making them a more forgiving choice for high-traffic areas such as hallways and kitchens. Cleaning matte tiles involves using a damp mop and a neutral pH cleaner, ensuring that any residues do not accumulate. While they are less prone to showing stains, it is advisable to perform regular maintenance to prevent dirt build-up, which could lead to discoloration over time.

Both tile types can be favorably maintained through timely cleaning practices and by using appropriate products. Regular sealing can prolong the lifespan of matte tiles, while ensuring that glossy tiles maintain their brilliance may involve periodic polishing. In conclusion, the choice between glossy and matte tiles ultimately hinges on the homeowner’s cleaning habits, lifestyle preferences, and the specific characteristics of the areas being tiled.

Cost Comparison Between Glossy and Matte Tiles

The cost of tiles is a critical consideration for homeowners when making decisions about flooring or wall materials. Both glossy and matte tiles possess unique pricing structures influenced by various factors, including brand, material composition, and finish. Generally, the price range for glossy tiles tends to be slightly higher, primarily due to the manufacturing processes involved in achieving a high-shine finish. For instance, glossy ceramic tiles can range from £30 to £70 per square meter, while matte ceramic tiles typically fall between £25 to £60 per square meter. This difference can be attributed to the additional efforts involved in polishing and finishing glossy surfaces.

Moreover, the choice of material can also impact the overall cost. Glossy tiles made from porcelain or high-quality ceramic often command a premium due to their durability and aesthetic appeal. Conversely, matte tiles might be available in a broader variety of materials, from natural stone to less expensive ceramic. While selecting tiles, homeowners should consider the brand, as established manufacturers may charge higher prices owing to perceived quality and reliability. However, opting for lesser-known brands often yields more affordable options without compromising over quality.

Budget-conscious homeowners can explore options like shop clearance sales or discontinued lines to find both glossy and matte tiles at reduced prices. It is also important to evaluate the long-term value of each tile type. Though glossy tiles may require more maintenance to keep them shining, they are often more resistant to stains, proving beneficial in high-traffic areas. Conversely, matte tiles can be easier to maintain but may show stains more readily, leading to potential replacement costs over time. Therefore, assessing upfront costs alongside long-term maintenance implications is crucial for making an informed decision.

Environmental Considerations: Sustainability in Tile Choices

When homeowners are faced with the decision of selecting tiles for their interiors, the concept of sustainability is becoming increasingly pivotal. As individuals and communities strive to minimize their environmental impact, it is essential to evaluate the manufacturing processes of both glossy and matte tiles. Understanding how these tiles are produced can significantly influence decisions regarding their eco-friendliness.

The manufacturing processes for glossy and matte tiles can differ considerably. Glossy tiles often require additional glazing, which may involve chemical treatments and energy-intensive procedures. In contrast, matte tiles may utilize less energy during production and often depend on natural clay sources. Homeowners should assess the overall resource consumption linked to the creation of each type of tile, as this will directly relate to the product’s sustainability.

Additionally, the availability of recycled materials plays a crucial role in tile selection. Many manufacturers are increasingly incorporating recycled content into their products, contributing to reduced waste and demand for new raw materials. By choosing tiles that contain recycled components, homeowners can not only support sustainable practices but also ensure that their design choices align with an environmentally-friendly ethos.

Another factor to consider is the overall carbon footprint associated with tile production, transportation, and disposal. Eco-friendly tiles typically result from processes that minimize greenhouse gas emissions and prioritize renewable energy sources. Homeowners should investigate the origins of their tiles and select options that reflect a commitment to sustainability. This entails not just the immediate impact of tile selection but also long-term environmental considerations, including how tiles will perform and degrade over time.

In conclusion, making informed choices about glossy versus matte tiles requires careful consideration of their sustainability aspects. By prioritizing eco-friendly manufacturing processes, integrating recycled materials, and understanding the carbon footprint, homeowners can ensure that their tile selections contribute positively to environmental preservation.

Conclusion: Making the Right Choice for Your Home

In the journey of selecting the appropriate tile finish for your home, both glossy and matte tiles present distinct advantages that cater to diverse aesthetic and practical preferences. Glossy tiles are widely recognized for their ability to reflect light, enhancing the brightness of a space and creating an illusion of a larger environment. This shininess, however, can come with the drawback of showcasing smudges and dirt more readily, necessitating regular maintenance to maintain their pristine appearance. In contrast, matte tiles offer a softer, more subdued look that can add warmth and character to various settings. Their texture provides enhanced slip resistance, making them a favored option in areas where safety is a concern, such as bathrooms and kitchens.

As homeowners navigate the decision-making process, it is essential to consider your personal style, lifestyle needs, and the specific functionality desired in each room. If your priority lies in achieving a bright, elegant ambiance, glossy tiles may be more suitable. Conversely, if you are drawn to a rustic or contemporary aesthetic with an emphasis on practicality, matte tiles might align better with your vision. Furthermore, consulting with professionals in interior design and engaging with local tile suppliers can provide invaluable insights. These experts can provide samples and demonstrate how various finishes interact with different lighting conditions, thereby facilitating a more informed choice.

Ultimately, the decision between glossy and matte tiles should reflect your individual preferences and the requirements of your living space. By weighing the benefits and drawbacks discussed throughout this article and seeking advice from knowledgeable sources, homeowners can confidently select the tile finish that best complements their home and lifestyle.

New Delhi, India, 22nd October, 2025: Yatra Online Limited, India’s largest corporate travel services provider and one of India’s leading online travel companies, today announced its partnership with Amadeus South Asia for its AI-Powered Travel Marketplace, a cutting-edge global platform that seamlessly connects travel providers and sellers. This innovative digital ecosystem is set to redefine the travel experience, enabling faster, smarter, and more flexible solutions for both travellers and businesses. By eliminating traditional barriers, the Amadeus Travel Marketplace ensures greater access to diverse travel content, making it easier than ever for businesses to offer personalized, tailored services that meet the growing demands of modern travellers.

Through this collaboration, Yatra will extend its extensive portfolio of travel offerings to a broader network of partners and customers, taking advantage of Amadeus South Asia’s “Travel Marketplace” to deliver unparalleled access to travel content across the globe.

The integration of Yatra’s comprehensive travel offerings—including access to over 400 domestic and international airlines, nearly 2 million hotels worldwide, homestays, bus bookings, and visa services—into the Amadeus Travel Marketplace will empower travel partners to offer highly customizable travel solutions. With Amadeus South Asia’s advanced technology and Yatra’s expansive content, businesses and travellers can now benefit from seamless booking experiences, enhanced flexibility, and the ability to tailor travel options to their specific needs.

Commenting on the partnership, Dhruv Shringi, Co-founder & CEO, Yatra Online Limited, said: “By joining Amadeus South Asia’s Travel Marketplace, we are embracing a digital-first future and taking our services to new heights. This partnership strengthens our ability to provide Yatra’s diverse and extensive travel content to customers and partners, while harnessing Amadeus South Asia’s state-of-the-art technology to offer smarter and more efficient travel solutions. We are excited to extend our reach, offer greater flexibility, and support the evolving needs of both leisure and business travellers in India and South Asia region.”

Sandeep Dwivedi, Managing Director, Travel Sellers India & Sub-Continent, Amadeus added, “The Travel Marketplace by Amadeus South Asia is transforming how the travel industry operates by uniting suppliers and buyers of unique travel content on a single, unified digital platform. We are thrilled to welcome Yatra to our Travel Marketplace. Their deep understanding of the Indian travel landscape and their broad service offerings will bring immense value to the ecosystem.”

The partnership between Amadeus South Asia and Yatra will not only drive digital transformation but also expand the variety and accessibility of travel options, enabling all stakeholders in the travel community to innovate and thrive in a connected world

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.

By Akash Pharande, Managing Director – Pharande Spaces 

If you think getting a home loan is just about having a decent credit score and a steady job, think again. Banks and NBFCs have a whole playbook of evaluation criteria  some you know about, many you don’t. This festive season, as you prepare to make that dream home purchase, let me pull back the curtain on how lenders really assess whether you’re a worthy risk or not.

The Obvious Stuff

Banks evaluate home loans using many criteria some standard, some not so obvious or known. Initially, banks consider factors such as a credit score that typically hovers around 750, a consistent source and flow of income, the borrower’s employment history, an age range ideally between 23 and 60, the borrower’s debt-to-income ratio, and the market value of the property.

So far, so good. Most of us know this. But here’s where it gets tricky.

The Not-So-Obvious Stuff

However, they also look at the developer’s and project’s approval status and whether the project’s location is in good standing. In fact, some areas are quietly blacklisted, and many banks maintain an internal risk assessment of specific locations and housing societies. Yes, that’s right. Your dream apartment could be in a location that banks have quietly red-flagged.

Also, banks might know about payment defaults by previous buyers in the project you’re interested in (you obviously have no clue about that), and it affects how favourably they see it.

They will also look for:

–  Defaults by previous tenants in that project and property
–  Whether your spouse is also earning, how much, and how much it contributes to the household income
–  The number of dependants you have
–  Your educational qualifications, and
–  The reputation and financial standing of the company you work for.

When The Economy Speaks

During times of economic downturns, banks tend to become less willing to lend due to an increased risk of defaults. The state of the economy also affects factors like inter bank liquidity and funding costs, non-performing asset levels in different sectors, including housing, current residential market sentiment, employment trends, and consumer confidence scores. Depending on global events and their impact on India, banks will also consider geopolitical risks and how these factors influence the internal stress-test projections of the bank or non-banking financial companies (NBFCs).

In other words, your loan application isn’t being evaluated in isolation. The bank is looking at global economic trends and what’s happening in the housing sector overall and even running stress tests on their portfolios. You could be a perfect borrower on paper, but if the timing isn’t right from a macroeconomic perspective, you might face hurdles.

What’s In Your Control (And What Isn’t)

Many of these factors are beyond your control. You can’t change where a property is located if you’ve already fallen in love with it. You can’t control global economic conditions or your builder’s reputation with banks. You cannot suddenly transform your employer into a blue-chip company, or decrease the number of family members who rely on you.

But there’s still plenty you CAN control. For that, the scout’s motto – Be Prepared – is of utmost importance.

Your Home Loan Readiness Checklist

Before you apply for that home loan this festive season, tick these boxes:

Financial Health Check

–  Credit score – is it 750 or above? (check your CIBIL score online.)
–  Your debt-to-income ratio – is it below 40%? (your EMIs shouldn’t exceed 40% of your monthly income.)
–  Have at least 3-6 months of salary slips and bank statements ready
–  Also keep your income tax returns for the last 2-3 years filed and available
–  Existing loans and credit card dues – have they been paid on time for at least 6 months?

Property Due Diligence

–  RERA registration verified for the project
–  The developer’s track record researched (delivery timelines, quality, approvals)
–  Property location checked with multiple banks (ask your relationship manager informally)
–  Society’s maintenance and payment history reviewed

Documentation Readiness

–  Identity and address proofs
–  Employment proof and appointment letter
–  Property documents (sale agreement, NOC, approvals)
–  Bank statements showing healthy cash flow

The Dos and Don’ts

DO:

–  Maintain a clean credit history for at least 6-12 months before applying
–  Close unnecessary credit cards and loans to improve your debt-to-income ratio
–  Choose properties from reputable developers with RERA-approved projects
–  Research the property location thoroughly – talk to residents, check online forums, use a pro version AI chat tool to dig deeper
–  Include your spouse’s income if applicable and possible – dual incomes strengthen applications
–  Apply during stable economic periods when interest rates are favorable (such as this festive season!)
–  Maintain steady employment for at least 2 years before applying

DON’T:

–  Switch jobs just before applying for a loan
–  Make multiple loan inquiries at once – it hurts your credit score
–  Try to hide existing debts or liabilities – you can’t hide such facts from banks, and trying to is a red flag for them
–  Exceed your budget just because the bank approves a higher amount
–  Ignore the property’s micro-market reputation
–  Apply for new credit cards or loans during your home loan process
–  Assume everything is okay before you get final sanction

The Bottom Line

Understanding how banks think gives you a strategic advantage. While you can’t control everything, knowing what matters helps you prepare better, choose smarter, and increase your chances of approval. This festive season, go into your home loan application with your eyes wide open, your documentation ready, and a realistic understanding of what banks are really looking for.

After all, buying a home may be the biggest financial decision in your life. You owe it to yourself to get it right.

About the Author:

Akash Pharande is Managing Director – 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

Mumbai, 20th October, 2025: Bandhan Mutual Fund has unveiled its latest festive campaign, Ads Ki Suno, a witty take on sale advertising that encourages people to see festive price tags in a new light. While the festive season is often about discounts and deals, Bandhan Mutual Fund turns those same price numbers into reminders of smarter financial choices.

At the heart of the campaign is a film that reimagines festive price ads, transforming what usually feels like irresistible bargains into signals carrying a different message. It offers a playful reminder that numbers can take us on a spending spree, or they can guide us towards financial freedom. The choice is always ours.

Vishal Kapoor, CEO of Bandhan AMC, said, “The festive season surrounds us with sale ads and price tags that make almost everything feel like a bargain. With Ads Ki Suno, we wanted to capture that familiar part of the season and bring a new perspective, not to say don’t spend, but to remind ourselves to spend mindfully and also invest wisely. Because financial well-being isn’t about restraint, it’s about enjoying today while planning for tomorrow. The way we use our money in these moments can make the difference between a purchase that fades and an investment that endures, one that keeps adding value over time.”

Honda India Foundation Hands Over 50 Customized Honda CB350 Quick Response Team (QRT) Vehicles to Karnataka Police under Project ‘Sadak Sahayak: Surakshit Marg, Surakshit Jiwan’

Bengaluru, 20th October 2025 : As part of its efforts to help build safer communities and to take a step forward towards Honda’s global vision of a collision-free society by 2050, Honda India Foundation (HIF), the CSR arm for all Honda group of companies in India has handed over 50 specially equipped Quick Response Team (QRT) vehicles to the Karnataka Police as part of its ‘Sadak Sahayak: Surakshit Marg, Surakshit Jiwan’ project. This initiative is part of HIF’s broader road safety and community welfare programme, aimed at creating safer roads and strengthening public safety mechanisms throughout the state.

As part of a larger national effort, HIF aims to handover 300 QRT vehicles by the end of this year across Gujarat, Haryana, Rajasthan, Karnataka, and Uttar Pradesh. Recently, a total of 200 Honda QRT vehicles were handed over to Gujarat, Chandigarh and Rajasthan police to strengthen road safety initiatives. The collaboration reflects Honda India Foundation’s continued focus on public-private partnerships in advancing road safety and community resilience. The initiative highlights a shared vision for safer roads and a better-managed traffic ecosystem.

The ceremony was held in the presence of Dr. G Parameshwara, Hon’ble Home Minister, Karnataka as the Chief guest, along with Shri. Tushar Girinath, IAS, Additional Chief Secretary to Government Home Department and Dr. M.A. Saleem, IPS, Director General and Inspector General of Police, Karnataka, Shri. Seemant Kumar Singh, IPS, Commissioner of Police, Bengaluru and Shri. Kartik Reddy, IPS, Joint Commissioner of Police (Traffic), Bengaluru as Guests of Honour.

Shri. Prabhu Nagaraj, Operating Officer, Corporate Affairs, Honda Motorcycle & Scooter India and Shri. Sunil Mittal, Operating Officer, Narsapura Plant, Honda Motorcycle & Scooter India also attended the ceremony to mark the handover of QRT vehicles, along with other key officials from Government of Karnataka and members from Honda Motorcycle & Scooter India.

The QRT vehicles, based on Honda CB350, are equipped with revolving flashers and blinkers, a public announcement system, siren, flashlight, side and rear storage boxes and two Honda safety helmets. These enhancements aim to help police teams respond more quickly in high-density and sensitive areas. The vehicles are intended to strengthen emergency response and empower police personnel with better tools to carry out their responsibilities effectively and safely. Designed for mobility and agility, they enhance the ability of officers to reach critical locations faster, saving lives, reducing injuries and improving on-ground law enforcement efficiency.

This Bhai Dooj, celebrate your bond with a gift that blends timeless elegance and everyday wearability. Camicissima Milano presents its collection of premium linen shirts, ideal for the modern man’s festive wardrobe, crafted with the finesse of Italian tailoring and designed to offer both style and comfort.

Made from lightweight, breathable linen, these shirts are perfect for India’s festive season, keeping you cool and sharp from morning rituals to evening celebrations. Available in a rich palette of pastels, earthy tones, and classic whites, each shirt is a versatile addition to any celebration—be it Bhai Dooj gatherings, Diwali dinners, or winter weddings.

As part of the festive cheer, Camicissima Milano is also offering special bundle offers, making it even easier to gift in style while getting great value. Whether you’re shopping for a brother, husband, father, or friend, these shirts are a meaningful, fashionable choice.

Pair them with tailored trousers or layer under a jacket for a look that’s rooted in tradition yet effortlessly modern.

Dehradun, October 18, 2025: The Department of IT, Government of Uttarakhand, in collaboration with the India AI Mission, Ministry of Electronics and Information Technology (MeitY), Government of India organised the Uttarakhand AI Impact Summit 2025 on October 17, 2025, at Hotel Ramada, Dehradun. This is an official pre-summit event of the India – AI Impact Summit 2026, scheduled to take place on February 19 – 20, 2026, at Bharat Mandapam, New Delhi.

Jointly hosted by the Department of IT, Government of Uttarakhand, the IndiaAI Mission, MeitY, the summit was inaugurated by Shri Jitin Prasada, Hon’ble Minister of State (MoS), MeitY, and was held in presence of Shri Nitesh Kumar Jha, Secretary, Information Technology, Government of Uttarakhand; Shri Mohammed Y. Safirulla, Director, IndiaAI Mission, MeitY; Dr. Durgesh Pant, Director General, UCOST; Prof. Ram Sharma, Vice Chancellor, UPES, Dehradun; Shri Sanjay Gupta, SIO, NIC; and Smt. Sharmishta Das, DDG & HOG, AI Division, NIC HQ.

Speaking at the event, Shri Jitin Prasada, Hon’ble MoS, MeitY & Commerce and Industry, said, “What nuclear technology once was to the last century, AI is to this one but this time, India is ensuring the opportunity belongs to everyone. We are making world-class computing power accessible at less than a dollar an hour, enabling research, innovation, and disruption for good. From managing the Kumbh with AI to transforming governance and education, Bharat is showing what was once unimaginable is now possible. This is the New Bharat – confident, capable, and leading the world in using technology for impact.”

Adding to this, Shri Nitesh Kumar Jha, Secretary, IT, Government of Uttarakhand, said, “ We are using AI regularly but the larger objective of the Government of India and our state is not just to use AI, but to create AI. Let us become creators of AI. We have established a Centre of Excellence and also set up the first Drone Applications Centre, where we are integrating AI into drone technology. For this, we have already received a national award this year from the Hon’ble Prime Minister.”

The pre-summit event brought together premier institutions, including IIT Roorkee, IIM Kashipur, the Tony Blair Institute for Global Change, UPES, and STPI Dehradun. It featured presentations by AI-led startups supported by IIM Kashipur and STPI Dehradun, highlighting practical applications of AI in governance, entrepreneurship, and social impact.

A panel discussion moderated by Mr. Vivek Agrawal, Country Director, Tony Blair Institute for Global Change, featured Smt. Sharmishta Das, DDG & HOG, AI Division, NIC HQ; Dr. Safal Batra, CEO, FIED, IIM Kashipur; Dr. Durgesh Pant, Director General, UCOST, GoUK, Prof. Ram Sharma, Vice Chancellor, UPES, Dehradun and Dr. Azam Ali, CEO, TIDES, IIT Roorkee. The session explored the evolving landscape of AI, emphasizing the need to foster creativity, critical thinking, and problem-solving among youth. It highlighted the importance of encouraging students to go on the ground, understand root causes, and design ideas that create real social impact. The discussion also called for deeper collaboration between academia, startups, and policymakers to strengthen responsible and efficient AI adoption for public good in Uttarakhand.`

The Uttarakhand AI Impact Summit 2025 set the stage for the India – AI Impact Summit 2026, the first global AI forum to be hosted in the Global South. Reflecting on India’s growing leadership in shaping the global AI agenda, the summit is anchored in the nation’s vision of “AI for All.” It seeks to harness the power of AI to drive social inclusion, innovation, and improved public service delivery, reinforcing India’s position as a global advocate for equitable, sustainable, and people-centric AI development.

About India – AI Impact Summit 2026

Hosted by the Ministry of Electronics and Information Technology, the India – AI Impact Summit 2026 will be held on February 19-20, 2026, in New Delhi. The global platform is set to showcase the transformative role of AI in enabling inclusive development, sustainability, and fostering equitable progress. The Summit charts a path where AI serves humanity, advances inclusive growth, fosters social development, and promotes innovations that protect the planet.

The Three Sutras

The Summit will be anchored on three guiding principles or Sutras:

● People: AI must serve humanity in all its diversity, respecting cultural identities, preserving dignity, and ensuring no one is left behind. Focus areas include human development in an AI-enabled world, multilingual and accessible systems, and safe and trusted deployment.
● Planet: AI development and deployment must be resource-efficient while also accelerating climate resilience, environmental protection, and scientific discoveries. AI must align with planetary stewardship and global sustainability goals.
● Progress: Ensure equitable distribution of AI’s benefits, democratize access to datasets, compute, and models, and apply AI to healthcare, education, governance, and agriculture.

The Seven Chakras

The Sutras are translated into action through seven Chakras, areas of multilateral cooperation designed to deliver tangible outcomes:

1. Human Capital—Address employment, skilling, and workforce transformation. Develop global frameworks for literacy, reskilling, and equitable access to future skills.
2. Inclusion for Social Empowerment—Foster AI that reflects languages, cultures, and identities; ensure accessibility for persons with disabilities; prevent gender and data biases.
3. Safe and Trusted AI – Provide democratized access to safety testing, transparency, and auditing tools; build interoperable governance and assurance mechanisms.
4. Resilience, Innovation, and Efficiency—Promote resource-efficient AI, lightweight and adaptable to local realities, reducing disparities and environmental costs.
5. Science—Expand responsible use of AI to accelerate research and discovery; strengthen ecosystems and partnerships in the Global South; promote open, interdisciplinary research.
6. Democratizing AI Resources—Forge pathways for equitable access to data, compute, models, and critical infrastructure, enabling diverse AI solutions that reflect global realities.
7. AI for Economic Development & Social Good—Identify and scale AI applications in public interest sectors; create platforms for knowledge and resource sharing; enable cross-border collaboration.

As AI adoption increases around the world, the AI Impact Summit charts a discourse around the measurable impact of AI, highlighting India’s role as a global convener for the Global South and beyond. Bringing together world leaders, innovators, policymakers, and industry pioneers, the Summit will shape a shared vision for AI that truly serves the many, not just the few.