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Savour the Signature Global Flavours at Shang Palace and Sorrento Throughout October 2025 

New Delhi, 29 September 2025- Shangri-La hotels across the Middle East, Europe, the United Kingdom, India, the Indian Ocean and the Americas will unite this October 2025 for Taste of Shangri-La, a month-long culinary journey celebrating the artistry of the group’s acclaimed chefs. Throughout the month, participating hotels will showcase exclusive multi-course menus and signature creations that reflect the diverse flavours, traditions and creativity of their destinations.

The line-up includes Shangri-La Eros New Delhi, Shangri-La Dubai, Shangri-La Bosphorus in Istanbul, Shangri-La Qaryat Al Beri in Abu Dhabi, Shangri-La Paris, Shangri-La Jeddah, Shangri-La the Shard in London, Shangri-La Bangalore, both Shangri-La Barr Al Jissah and Shangri-La Al Husn in Muscat, Shangri-La Toronto, Shangri-La Le Touessrok in Mauritius, and both Shangri-La Colombo and Shangri-La Hambantota in Sri Lanka. Guests will be welcomed into some of the brand’s most celebrated restaurants, such as Hoi An, Shang Palace, IST TOO, La Bauhinia, Niyyali, Sorrento, TĪNG, Caprese, Ssaffron, Yataii, Capri Court, Chow Mee, Bait Al Bahr and Sultanah.

In Delhi, Shangri-La Eros New Delhi serves the finest of global gastronomy with two unique offerings. At Shang Palace, the hotel’s signature restaurant, diners are invited to relish the bold yet balanced flavours of Cantonese cuisine in an elevated setting. The specially curated menu highlights refined textures and authentic techniques, with dishes such as umami-rich spicy Edamame Dumplings, Sanchen-Spiced Chicken that carries an aromatic depth, and Wok-Fried Prawns with Leeks that deliver crisp elegance. These creations may be enjoyed with premium wines or traditional Chinese teas, offering an experience that is flavourful, memorable and crafted with the care that defines Shangri-La.

Sorrento, the hotel’s award-winning Italian restaurant, will present a culinary journey that illustrates the charm of Italy with its rustic yet refined flavours. The thoughtfully curated menu features dishes such as a delicate Cured Scottish Salmon Salad, Open Ravioli with Lamb Ragout Bianco, and a fillet of Sea Bass with Lemon Garlic Butter Sauce. Each course showcases the richness of Italian cuisine in its purest form, simple, elegant, and deeply satisfying. Enhanced by fine wines, the dining experience at Sorrento evokes the warmth and spirit of Italy, crafted to be welcoming and unforgettable.

Available for lunch and dinner from 1 to 31 October 2025, the set menu with soft beverages is priced at INR 3,500 plus taxes per person, while the wine-paired menu is offered at INR 6,500 plus taxes per person.

Across the portfolio, Shangri-La’s renowned restaurants will bring together authentic cuisines from around the world, offering guests a rare opportunity to embark on an unforgettable gastronomic journey within the comfort of each property.

With a legacy of genuine warmth and signature Asian hospitality, Shangri-La curates inspired cultural and culinary experiences that connect travellers with the heritage and beauty of each destination. With more than 100 hotels and resorts worldwide, the group continues to create moments destined to be remembered for a lifetime.

For reservations, guests may call (91 11) 4119 1040 or and for more information on the Taste of Shangri-La event and to view the full collection of tasting menus, please visit the Shangri-La Experiences site.

India’s Index of Industrial production grew at 4% based on year on year data (August 2025 over August 2024) driven by strong growth in the mining and electricity sector. The mining sector grew at 6% in August 2025 from a negative (7.2%) year-on-year growth in July 2025 and electricity sector which grew at 4.1% in August 2025 from 0.6% year-on-year growth in July 2025, said Mr. Hemant Jain, President, PHDCCI.

The manufacturing sector grew at 3.8%, led by positive growth in 10 out of 23 industry groups at NIC 2 digit-level in August 2025 over August 2024, with double digit growth in industry groups including manufacture of basic metals, manufacture of electrical equipment and manufacture of other transport equipment, among others, he said.

Among use-based categories, consumer durables grew at a robust at 5.2% in August 2025 from a negative year-on-year growth in July 2025. The infrastructure/capital goods recorded a double digit growth of 10.6% in August 2025, said Mr. Jain.

Use-based IIP trends show strong infrastructure and primary goods momentum but softer consumer demand. The recent GST 2.0 policy will balance investment with demand revival by catalysing consumption and broadening sustainable growth” says Secretary General and CEO, Dr. Ranjeet Mehta.

Two-day event at Talkatora Stadium to celebrate heritage, unity, and future leadership of the Kayastha community

New Delhi, September 27, 2025: The All India Kayastha Mahasabha (Regd. 2150, New Delhi) and the Chitransh Chamber of Commerce & Industries (CCCI) today announced that the World Kayastha Conclave 2025 will be held on October 23–24, 2025 at Talkatora Stadium, New Delhi.

 

Announcing the conclave, National Chairman Dr. Abhishek Verma said it will coincide with the auspicious occasion of Yam Dwitiya (Bhai Dooj), traditionally celebrated with the worship of Lord Chitragupta. He added that the conclave will mark a historic opportunity for the Kayastha community to unite and demonstrate its strength.

The Kayastha community traces its origin to Lord Chitragupta, revered as the celestial accountant of Yamraj, responsible for maintaining the record of human deeds. Over the centuries, Kayasthas have played a central role in administration, diplomacy, education, literature, and governance—from the royal courts of ancient India to the modern bureaucracy and judiciary. Although classified among the upper castes, many scholars believe that the unique identity and role of the community distinguish it as a Varna in its own right, with a tradition rooted in knowledge and governance.

Dr. Verma called upon the estimated 12 crore Kayasthas in India to come together, showcase solidarity, and emerge as a significant political and social force to help position India as a ‘Vishwa Guru’ (World Leader) by 2047, the centenary year of independence.

The conclave will also pay tribute to eminent figures of the Kayastha community, including Swami Vivekananda, Khudiram Bose, Netaji Subhas Chandra Bose, Dr. Rajendra Prasad, Lal Bahadur Shastri, Jayaprakash Narayan, Shrikant Verma, Premchand, Harivansh Rai Bachchan, Gopaldas Neeraj, Biju Patnaik, and Jyoti Basu. A special tribute will be offered to Balasaheb Thackeray, acknowledging his transformative contribution to Indian politics through the founding of Shiv Sena in 1966.

Dr. Verma further announced the institution of the ‘Shrikant Verma Samman’ in memory of his father, the renowned poet and Parliamentarian, the late Shrikant Verma. This award will be conferred annually, carrying ₹21 lakh for Hindi Literature—the highest award in Hindi literature—₹5 lakh for Journalism, and ₹2 lakh each for Art and Performing Arts.

Sharing details of the upcoming conclave, National President and Convener Manish Srivastava said the two-day event is expected to attract over 25,000 participants and will feature a National Talent Search Examination, a Matrimonial Meet, a Mega Job Fair, and Business and Political Workshops. He also announced plans for the installation of an 111-foot statue of Swami Vivekananda and an 81-foot statue of Lord Chitragupta in Kushinagar, Uttar Pradesh.

The World Kayastha Conclave 2025 is envisioned not only as a cultural celebration but also as the beginning of social unity, political awakening, and new leadership within the Kayastha community. With its historic association with knowledge and governance, the community is being called upon to rise as an organized force and contribute to India’s emergence as a global leader by 2047.

The announcement was made in the presence of Poet Vishnu Saxena (President, Literary Cell), National Working President Sunil Nigam, National General Secretary Manoj Srivastava, National Vice President Vivek Kulshrestha, National Executive Women cell President Nishi Kulshrestha and other senior members of the organization.

Hyderabad, Sept 27, 2025 – Project Management Institute (PMI), the world’s leading authority on project management, hosted the inaugural “One Ride – One PMI Community” cycling event in Hyderabad. The initiative brought together project professionals across 11 chapters from across South Asia in a unified show of purpose, collaboration, and environmental commitment. The ride took place on India’s first solar-roofed cycling track in Hyderabad and marked a meaningful step in PMI’s commitment to sustainability and climate-conscious leadership. By championing healthier cities, greener projects, and cleaner air, the event reflected PMI’s belief that project professionals are uniquely positioned to lead impactful change across industries and communities.

Over 100+ participants took part in the ride beginning at 5:30 AM, cycling a 2-kilometer stretch that was followed by a tree plantation drive at Forest Trek Park. The initiative reflected PMI’s commitment to environmental stewardship and community engagement, reinforcing the need for cleaner air, greener projects, and more responsible leadership in shaping a sustainable future.

Amit Goyal, Managing Director for South Asia at PMI, said, “Project leaders today are shaping outcomes that extend far beyond timelines and deliverables. At PMI, we see them as stewards of impact—driving innovation, enabling sustainable progress, and contributing to a future where every project leaves a lasting, positive imprint on the planet. By aligning with the UN Sustainable Development Goals and championing the GPM-b™ certification, we’re empowering our community to lead the green transition with purpose and precision. ‘One Ride – One PMI Community’ is more than a cycling event. It symbolizes our collective commitment to regenerative sustainability and the belief that project management must evolve to meet the challenges of our time. From climate action to urban resilience, we envision a future where every project contributes to a healthier, more equitable world, he added”.

The event marked a significant milestone in PMI South Asia’s journey to champion sustainability as a core strategic imperative in project leadership. By convening chapters from across the region, it showcased PMI’s commitment to equipping professionals with green skills to drive resilient, regenerative outcomes—underscoring the power of collective action in shaping a thriving future for generations to come.

September 27, 2025: This Dussehra, Novotel Hyderabad Convention Centre invites you to celebrate the spirit of Vijayadashami with ‘Shubh Bhoj’, a festive dinner curated to mark the victory of good over evil and the triumph of light over darkness.

Hosted at the hotel’s signature restaurant Food Exchange, the evening will bring together family, friends, and guests for an unforgettable dining experience. A lavish festive buffet will be complemented by themed décor, traditional music, and cultural touches, with the incredible service team on ground to enhance the celebratory mood.

Come together with your friends and family to celebrate the joy of the season. Shubh Bhoj promises an evening filled with togetherness, tradition, and cherished memories.

Event Highlights

Dates: 2nd October 2025
Time: 7:00 PM – 11:00 PM (Dinner)
Venue: Food Exchange, Novotel Hyderabad Convention Centre

Chanda Nagar, Hyderabad, 27 September 2025: Chanda Nagar is set to dazzle as the Brilliance Diamond Jewellery Show by Joyalukkas opens its doors in the city from 26th September 2025. This exclusive exhibition showcases an exquisite collection of diamond and precious jewellery, designed for those who appreciate craftsmanship, beauty, and timeless elegance.

From regal bridal collections to chic contemporary designs, each piece at the show has been specially curated for this occasion. These limited-edition creations are available only during the exhibition period.

Speaking about the event, Dr. Joy Alukkas, Chairman of Joyalukkas Group, said: “We are excited to bring the Brilliance Diamond Jewellery Show to Chanda Nagar. This region of Hyderabad reflects a modern, confident style, and our collection is designed to mirror that spirit, with designs that are bold, beautiful and one-of-a-kind.”

As part of the exclusive launch offer, shoppers will get an amazing 50% off on making charges (V.A) on gold, cut & uncut diamond, precious stone, platinum and silver jewellery.

The exhibition will be hosted at the Joyalukkas Chanda Nagar showroom and will run for a limited time only, until 12th October.

September, 26, 2025: In response to recent tax reforms by the Government of India, VST Tillers Tractors, one of India’s leading farm equipment manufacturers, announced that it has passed on the Goods and Services Tax (GST) reduction directly to its customers.

The GST rate on agricultural machinery has been reduced from 12% to 5%, and VST has promptly transferred this benefit to its customers. By adjusting prices in line with the revised GST rates, VST ensures that farmers directly benefit from the government’s fiscal policies, fostering greater trust and loyalty.

Mr. Antony Cherukara, CEO, VST Tillers Tractors Ltd., said, “VST has always been at the forefront of the Make in India movement. As a pioneer in the development of Power Tillers and Compact Tractors in India, we have consistently brought world-class, affordable, and efficient farm equipment to Indian farmers. Our team draws inspiration from the vision of the Honourable Prime Minister of India on promoting Swadeshi products. Passing on this GST reduction is in line with our commitment to support small and marginal farmers in mechanizing their farms. We have also developed and produced 100% Made-in-India power weeders, which can be used with multiple attachments to perform a variety of tasks in small fields, while addressing labour shortages and the narrow operational window for de-weeding in precision crops.”

This GST reduction will further encourage farmers to purchase Swadeshi products, reducing dependence on lower-quality imports that are often unreliable, non-serviceable, and detrimental to long-term farm income. By choosing trusted Indian products, farmers not only gain access to durable and efficient machinery but also contribute to strengthening the rural economy

Introduction to Personal Loans

Personal loans are a popular financial product offered by various financial institutions, such as banks, credit unions, and online lenders. These loans are generally classified as unsecured loans, meaning they do not require collateral to secure the borrowing amount. Unlike secured loans, which are backed by an asset such as a home or vehicle, personal loans rely solely on the borrower’s creditworthiness and promise to repay. This lack of collateral makes personal loans an attractive option for many individuals who may not have valuable assets to pledge.

The process of obtaining a personal loan typically involves a straightforward application procedure, where the borrower provides the lender with information regarding their income, credit history, and financial situation. This information helps lenders assess the risk associated with lending money to the individual and determine the terms of the loan, including interest rates and repayment schedules. Once approved, borrowers receive a lump sum amount that they are required to repay in fixed monthly installments over a predetermined period. These fixed repayment terms add a layer of predictability to personal loan management, enabling borrowers to incorporate loan payments into their budget effectively.

Personal loans can finance various needs, from consolidating debt to funding major purchases or unforeseen expenses. Because of their flexibility, borrowers often utilize personal loans to manage financial challenges or to accomplish specific goals without drawing on savings or liquidating investments. Understanding personal loans is essential for individuals contemplating the option of borrowing, as it informs them about the loan’s features, benefits, and potential implications of taking on debt. As we delve deeper into the subject, we will explore when personal loans can be a prudent choice and the factors to consider before borrowing.

When is a Personal Loan a Good Idea?

Personal loans can be a useful financial tool in various scenarios, providing individuals with the necessary funds when they need it most. One of the most common reasons to consider a personal loan is debt consolidation. By consolidating high-interest debts into a single loan, borrowers can often secure a lower interest rate and simplify their monthly payments. This approach not only aids in managing finances more effectively but can also help individuals pay off their debts faster, leading to improved credit scores over time.

Another circumstance where personal loans prove beneficial is during emergencies. Unexpected expenses, such as medical bills or urgent car repairs, can strain an individual’s finances. A personal loan can offer a quick solution, allowing borrowers to handle urgent financial needs without derailing their budget. The accessibility and speed of personal loans make them an attractive option in these high-pressure situations.

Major life events, such as weddings or moving expenses, may also warrant the consideration of personal loans. These events often come with significant costs, and a personal loan can help cover the necessary expenses without dipping into savings meant for other important financial goals. Furthermore, loans for home renovations can make it possible for homeowners to finance significant upgrades, ultimately increasing the value of their property or enhancing their living conditions. Whether it’s a kitchen remodel or a necessary repair, financing renovations through a personal loan can provide a timely solution.

Lastly, investing in education or skill development can also justify taking out a personal loan. Many individuals seek additional training or education to improve their job prospects or career advancement opportunities. A personal loan designated for educational purposes can provide the necessary funding to pursue these goals, often leading to higher earning potential in the long run. Each of these scenarios illustrates how personal loans can offer considerable advantages when used wisely.

Debt Consolidation: Simplifying Finances

Debt consolidation is a financial strategy that involves combining multiple debts into a single loan, thereby simplifying the repayment process while potentially reducing the overall cost of borrowing. Personal loans serve as effective tools for this purpose. By taking out a personal loan, borrowers can pay off high-interest debts such as credit cards or other loans, turning them into one manageable payment at a lower interest rate.

One of the primary benefits of using personal loans for debt consolidation is the reduction of total interest paid over time. High-interest debts can accumulate significantly in interest charges, leading borrowers into a cycle of unmanageable payments. For instance, if an individual consolidates $20,000 in credit card debt, which typically carries an average interest rate of 20%, with a personal loan that carries a 10% interest rate, the borrower can experience substantial savings on interest paid. This not only lowers the total debt burden but also enables individuals to allocate extra funds towards savings or essential expenses.

In addition to financial savings, debt consolidation simplifies the repayment structure. Rather than juggling multiple due dates, payments, and amounts, consolidating debts into a single personal loan allows borrowers to focus on making one payment monthly. This streamlined approach reduces stress and the likelihood of missed payments, which can negatively impact credit scores.

Furthermore, timely payments on a personal loan can contribute positively to a borrower’s credit score. As credit utilization decreases with the reduction of outstanding debts, and as positive repayment history builds, borrowers may enhance their credit profile, leading to better credit opportunities in the future. For these reasons, personal loans represent a strategic means of debt consolidation, enabling individuals to regain control over their financial health.

Handling Emergency Expenses with Personal Loans

In today’s unpredictable financial landscape, individuals often encounter unexpected expenses that can strain their budgets. Personal loans can serve as a vital financial resource during such emergencies, whether they arise from sudden medical bills, urgent home repairs, or unforeseen car repairs. These situations demand immediate action, and personal loans provide a swift avenue for accessing funds when time is of the essence.

One of the primary advantages of utilizing personal loans in emergencies is the rapid access to cash. Unlike traditional savings, which may not be readily available, a personal loan can be applied for online and often disbursed within one to three business days. This prompt accessibility enables borrowers to address urgent financial needs without delay, thereby reducing stress and preventing potential escalation of the issue at hand.

Furthermore, personal loans typically offer lower interest rates compared to other forms of credit, such as credit cards or payday loans, making them a more viable option for managing emergency expenses. For example, while payday loans often come with exorbitant rates that can trap borrowers in a cycle of debt, personal loans present an opportunity for a fixed repayment plan at a more manageable interest rate. This characteristic allows individuals to budget effectively and pay off the loan within a predetermined time frame without incurring excessive costs.

Moreover, personal loans generally have flexible terms that can cater to the specific needs of the borrower. By borrowing only what is necessary, individuals can avoid overextending themselves financially. They can enjoy the benefits of a structured payment plan that aligns with their financial capabilities, ensuring timely repayments without undue stress. Therefore, in times of financial emergencies, personal loans stand out as a practical and cost-effective solution for managing unforeseen expenses.

Funding Major Life Events

Major life events often require substantial financial outlays that can strain personal savings. In such instances, personal loans emerge as a viable option to finance these significant milestones. Whether it is funding a wedding, celebrating a milestone birthday, or even paying for an important graduation ceremony, a personal loan can provide the necessary financial support while allowing individuals to maintain their savings for future needs, such as retirement or investment opportunities.

The appeal of personal loans lies in their predictable repayment structure. Unlike credit cards, which may have fluctuating interest rates and variable payments, personal loans typically come with fixed interest rates and set monthly payments. This predictability enables individuals to budget effectively, ensuring that these financial commitments do not disrupt their overall financial stability.

Moreover, personal loans can be beneficial when planning events such as weddings. A wedding often comes with numerous expenses, including venue costs, catering, and decor, which can quickly add up. Utilizing personal loans allows couples to spread out these costs over time, making it easier to manage their finances without depleting their savings that are intended for other critical future investments.

That said, it is imperative to assess one’s financial situation thoroughly before opting for a personal loan. Borrowers should consider their income, existing debt obligations, and the total costs associated with the life event. The goal is to ensure that taking on a loan will not compromise long-term financial health. By strategically using personal loans for significant life milestones, individuals can celebrate these occasions without jeopardizing their future savings or investment plans.

Home Renovation and Repairs: Quick Access to Funds

Home renovations and necessary repairs are often imperative for maintaining or enhancing the value of a property. When unexpected issues arise or when a homeowner wishes to upgrade their living space, having access to adequate funding becomes pivotal. Personal loans can serve as an excellent financial solution in such scenarios, offering several advantages over traditional financing options, like home equity loans.

One of the primary benefits of utilizing personal loans for home renovations is the speed of access to funds. Unlike the cumbersome processes associated with home equity loans, which typically require extensive paperwork, appraisals, and a longer approval period, personal loans can often be secured quickly. This expedience is particularly advantageous in emergencies where immediate capital is necessary for repairs, ensuring that homeowners can address critical issues without delay.

Furthermore, personal loans usually do not require the borrower to put their property at risk. With home equity loans, homeowners must leverage their existing property equity, potentially jeopardizing their home should they default on payments. In contrast, personal loans are unsecured, meaning that they are not tied to the borrower’s home or real estate. This aspect allows borrowers greater peace of mind while pursuing their renovation projects, knowing they are not exposing their property to financial risk.

Additionally, personal loans come with fixed interest rates and set repayment terms, making budgeting and financial planning more straightforward for homeowners. The predictability of monthly payments can ease financial strain, allowing individuals to focus on the renovations rather than stress about fluctuating interest rates. Overall, personal loans emerge as a compelling option for homeowners seeking to fund renovations or repairs with efficiency and reduced risk.

Investing in Education and Skill Development

Education is a cornerstone for personal and professional advancement, and investing in it can yield substantial returns in terms of career growth and opportunities. Personal loans can serve as a strategic financial tool for individuals seeking to enhance their skills or pursue additional qualifications that may not be covered by traditional student loans. Whether it is enrolling in specialized courses, attending workshops, or obtaining certifications, personal loans provide the necessary funding to facilitate these endeavors.

One of the primary advantages of utilizing personal loans for education is the flexibility they offer. Unlike federal or private student loans that often have strict eligibility criteria and loan amounts, personal loans can be tailored to fit an individual’s specific educational requirements. This seamless adaptability allows borrowers to take charge of their educational trajectory, obtaining financing for programs that align with their career objectives. Moreover, personal loans can cover a variety of educational expenses, from tuition fees to essential materials and supplies, making them a comprehensive solution for learners.

Additionally, investing in education through personal loans can lead to enhanced job prospects and increased earning potential. By acquiring new skills or credentials, individuals position themselves more favorably in an increasingly competitive job market. Employers often prioritize candidates with specialized skills, and by investing in one’s education, borrowers can significantly improve their career trajectories.

It is essential, however, for potential borrowers to assess their financial situation and ensure that they can manage repayment terms comfortably. Maintaining a balance between educational investments and financial obligations is critical. In conclusion, personal loans can be an effective means for investing in education and skill development, offering the opportunity for individuals to enhance their professional qualifications and ultimately achieve their career aspirations.

When to Think Twice About Personal Loans

While personal loans can serve as a useful financial tool in certain circumstances, there are specific situations where their use should be carefully reconsidered. One of the principal reasons to avoid taking out a personal loan is for unnecessary spending. Utilizing borrowed funds to finance luxuries, be it a vacation or a high-end gadget, can lead to a cycle of debt that may be hard to escape. It is important to differentiate between needs and wants before making a decision that could impact your financial stability.

Another scenario where personal loans should be approached with caution is when contemplating high-risk investments. Borrowing money to invest in speculative ventures or uncertain financial opportunities poses significant risks and can lead to substantial financial losses. If the investment does not yield returns, not only will you face the stress of repayment, but the added financial burden can stress your overall financial health. Being cautious and seeking advice from financial experts before making investment decisions is vital in such cases.

Additionally, using personal loans to cover ongoing income shortfalls reflects a deeper issue that requires attention. Relying on borrowed funds to meet everyday expenses signifies an underlying financial management problem. Instead of taking a loan, it may be beneficial to evaluate one’s budget, identify spending patterns, and seek financial counseling or assistance to develop better financial habits. Addressing the root cause of income deficiency can prevent the cycle of debt that personal loans might perpetuate.

Ultimately, it is crucial to assess the necessity and implications of borrowing before proceeding with a personal loan. By considering these factors, one can make informed financial decisions that align with long-term financial health and stability.

Tips for Smart Borrowing

When considering a personal loan, it is essential to approach the process with a strategic mindset to ensure that you are borrowing smartly and responsibly. One of the first steps is to check your credit score, as this number significantly influences the interest rates and terms you can secure. By knowing your score, you can take measures to improve it, if necessary, before applying for a loan, which may help you qualify for better offers.

After assessing your credit, the next step is to compare various lenders to find the most favorable terms. This includes not only the interest rates but also other fees and conditions that might be tied to the loan, such as origination fees or penalties for early repayment. Doing thorough research and possibly using comparison tools can help you determine which lender aligns best with your borrowing needs.

It is also crucial to borrow only what you truly need. While it might be tempting to take a larger amount for additional expenses or future plans, only borrowing the necessary sum can significantly alleviate financial pressure in the long run. Additionally, understanding the repayment terms is vital; ensure that you are clear on the length of the loan, monthly installments, and any variable interest rate terms that may affect the overall cost of borrowing.

Lastly, budgeting for monthly installments is key to maintaining control over your finances. Develop a realistic budget that accommodates your loan repayment while also factoring in your other living expenses. This proactive approach will help you avoid the risk of falling behind on payments, which can lead to further financial complications. With these tips in mind, you can navigate the world of personal loans confidently, ensuring that your borrowing decisions are informed and beneficial.

Final Thoughts on Personal Loans

Personal loans can serve as effective financial instruments when utilized appropriately. They present a unique opportunity for individuals seeking to manage unexpected expenses, consolidate debt, or finance significant purchases. Such loans, often characterized by their flexible application process and varied terms, offer borrowers a quick solution to their immediate financial needs. However, with these advantages come responsibilities that demand careful consideration.

Responsible borrowing necessitates a thorough evaluation of one’s financial situation and the specific needs driving the loan application. Potential borrowers should prioritize understanding their budget constraints and the implications of taking on additional debt. It is essential to calculate the total cost of the loan, inclusive of interest rates and associated fees. Only by having a clear financial picture can borrowers make informed decisions that align with their long-term financial goals.

Moreover, comparing different loan options can significantly enhance the borrowing experience. Various lenders may offer diverse terms, interest rates, and repayment structures, making it crucial to shop around and assess all available choices. Such due diligence not only aids in finding the most favorable terms but also supports the borrower’s ability to manage repayment effectively.

In the context of personal loans, it is vital to maintain realistic expectations regarding repayment commitments. Borrowers should recognize their capacity to meet monthly obligations without compromising their financial health. Ultimately, with meticulous planning and judicious decision-making, personal loans can indeed empower individuals, allowing them to navigate life’s financial challenges with resilience and confidence.

Pune, 26 September 2025 – Affordable Robotic & Automation Ltd (ARAPL), (BSE: 541402 | NSE: AFFORDABLE), India’s first listed robotics company, has cleared a fresh round of fund infusion into its subsidiary Humro (formerly ARAPL RaaS), as it looks to scale operations and deepen its presence in overseas markets.

At a board meeting held on 18 September 2025, the company cleared an interest-free loan of Rs 25 crore from promoter and managing director Milind Padole, with a provision to convert the amount into equity or warrants at a later date. The board also approved raising an additional Rs 50–60 crore via a preferential issue, the proceeds of which will be reinvested into Humro and subsequently converted into equity, subject to regulatory approvals.

The move follows an earlier announcement this month of an USD 8–10 million investment plan into Humro, formerly known as ARAPL RaaS, through a mix of promoter contribution, preferential issue and debt. Of this, Padole has committed USD 3 million in his personal capacity by diluting part of his shareholding in ARAPL. The balance is expected to be raised from institutional investors and debt markets.

The fresh capital will be deployed towards capex, order book execution and working capital requirements as Humro looks to scale up its operations. The Pune-based subsidiary has built a strong order pipeline of around Rs 32 crore, expected to start translating into revenues by FY26. It has also secured in-principle technology approvals from global clients in the United States and Europe, a step seen as critical for scaling its export business.

“Humro has built a robust product portfolio and secured validations from leading global clients, which is a significant endorsement for an Indian robotics company operating in such a competitive space,” said Mr. Milind Padole, Chairman and Managing Director, ARAPL.

“Over the past four years, we have steadily invested in R&D, intellectual property, and software-led automation platforms, giving us the confidence to compete with established global players. This fresh round of funding will allow us to accelerate our growth trajectory by scaling production, deepening customer engagements, and investing in our talent base. Importantly, it positions us to strengthen our US presence at a time when supply chain diversification and tariff-led cost dynamics are opening up new opportunities for Indian companies in advanced automation. Our focus will be on leveraging India’s cost advantage while continuing to deliver high-quality, reliable solutions that meet global benchmarks,” added Mr Padole.

Founded in 2005, ARAPL has emerged as a significant player in India’s automation landscape. The company has deployed more than 7,500 robots and 14,000 automated car parking systems, employs over 400 professionals, and operates a 350,000 sq. ft. facility on the outskirts of Pune. Its intellectual property portfolio includes nine patents and three proprietary software platforms.

The capital raising comes at a time when Indian automation firms are benefitting from global supply chain realignments and rising tariffs on Chinese imports into the US. With its mix of cost competitiveness and proprietary technology, ARAPL is seeking to position Humro as a serious contender in the fast-growing robotics-as-a-service (RaaS) and autonomous mobile robotics market, where demand is being driven by warehousing, logistics and advanced manufacturing sectors.

Currently, the global robotics market is dominated by Japanese, European and American majors, Indian players like ARAPL are beginning to carve out a niche by offering affordability and faster deployment cycles. The latest infusion underscores the company’s ambition to tap this opening and emerge as a credible global challenger.

September 25, 2025: Envision Energy, a global leader in renewable energy solutions, performed the ground-breaking ceremony for its 2 GW/PA Blade Manufacturing Facility in Kalyangadh, Bavla Taluka, Ahmedabad District, Gujarat. The new facility marks Envision’s third manufacturing site in India and is a significant step in the company’s ₹500 crore expansion plan to deepen its presence and strengthen manufacturing capabilities in the country.

The ground-breaking ceremony was graced by Shri Devusinh Jesingbhai Chauhan, Hon’ble Member of Parliament (Lok Sabha), Kheda, Gujarat as Chief Guest in the presence of dignitaries including Shri Kiritsinh Sardarsang Dabhi, MLA, Dholka Assembly, Shri Om Prakash Jat, SP, Shri Durgesh Agarwal, Founder, DA Group, Shri Prateek Agarwal, Director, Ashwika Warehousing LLP, S H Rana, Divya Estate, Management and senior management from Envision Energy India, led by Mr. RPV Prasad, Managing Director among others.

The launch of Envision Energy’s new facility is fully aligned with the Ministry of New and Renewable Energy’s (MNRE) Make-in-India mandate, strengthening domestic manufacturing of renewable energy components and reducing reliance on imports. In addition, this milestone directly supports India’s national commitment to achieve 50% of its installed power capacity from non-fossil sources by 2030, underscoring Envision’s role as a trusted strategic partner in advancing the country’s clean energy transition.

The Gujarat facility will manufacture up to 1,500 blades annually using six moulds and will be equipped to produce blades for both 3.3 MW and 5 MW wind turbine platforms. In total, the project will support more than 4 GW of wind energy projects across 10+ sites in five districts of Gujarat, significantly strengthening the state’s renewable energy capacity.

The project will also generate significant local employment opportunities and strengthen the region’s industrial ecosystem by integrating with local supply chains and supporting ancillary industries. The Gujarat facility is expected to generate around 4,000 direct and indirect jobs by mid-2027 once it becomes fully operational.

Speaking on the occasion, Mr. RPV Prasad, Managing Director, Envision Energy India said, “This new facility in Gujarat is not just an investment in infrastructure, but an investment in India’s clean energy future. It reflects our commitment to supporting the Hon’ble Prime Minister’s vision of Atmanirbhar Bharat by strengthening domestic manufacturing, creating local employment and fostering industrial growth in the region.”

While addressing the event, Shri Devusinh Jesingbhai Chauhan, Hon’ble Member of Parliament (Lok Sabha), Kheda, Gujarat said, “Gujarat has always been an industry-friendly state with unmatched ease of doing business and energy will continue to play a vital role in driving our nation’s economic success. Employment generation and skill development are critical and I urge our youth to make themselves employment worthy, as India builds a sustainable future. With its commitment to clean energy and innovation, Envision represents the kind of vision that will help India become a developed nation by 2047. We welcome Envision to Gujarat and look forward to their contribution in nation building.” This facility in Gujarat is being developed by DA Group and constructed by Ashwika Warehousing LLP, jointly contributing to the creation of a greener and better India.