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  • How are Fireside Ventures Changing the Indian Startup Ecosystem?

    The world of the startup ecosystem is incomplete without the ventures that act as the support system for the entrepreneurs. Venture Capital firms are the only ones who are helping the Indian startups to grow. Now, as more and more entrepreneurs come up with their ideas that do tend to revolutionize a particular sector, it is high time that these companies acquire the credits and recognition they deserve.

    Amongst the venture capitals, one of the most impactful Venture Capital is Fireside Ventures. This Venture Capital has been taking giant strides in the world of the startup ecosystem and hopefully, will lead it to the path of betterment! Let’s have a sneak-peek into the story of Fireside Ventures and see How Fireside Ventures Changing the Indian Startup Ecosystem?

    Quick Facts – Fireside Ventures

    Company Name Fireside Ventures
    Headquarter Bengaluru, India
    Sector Finance
    Founders Vinay Singh, Kannan Sitaram
    Founded 2017
    Net Worth INR 10,700 million

    The Story of Fireside Ventures

    Almost about two years ago, Fireside Ventures had closed its first fund with an initial corpus of INR 340 crore and started investing exclusively in young Indian consumer brand startups. Well, for the founder Kanwal Singh, this is a way to back those ventures that will take the Indian narrative to the world. Now, as Indian startups have been performing exceedingly well in the big stage, somehow, the credit goes to these Venture Capital firms who has been working tirelessly to ensure that the startups does not face the issues that the companies had to face in the late twentieth century.

    Fireside Ventures Changing the Indian Startup Ecosystem
    Fireside Ventures

    As per the founder, the team of Fireside Ventures is big believers in the emerging consumer brands and what’s happening to that story not just in India, but also in the global stage. Mr. Singh had quit Helion Venture Partners in 2014, this was a tech-focused venture capital firm that he had co-founded. The present company that he has been working in, Fireside Ventures started as his family office in 2015 and became a Venture Capital firm in 2017. Now, almost after 2 to 3 years, he is happy to witness a general emergence of brands that are born in India and are made for the world.

    As per Mr. Singh, these brands, whose product have found their way into the houses of commoners in the United States and the United Kingdom, have taking the Indian story to the global markets and the result are very exciting for companies like Fireside Ventures!


    few things a VC notices in a pitch
    > Venture Capital (VC) is a type of private equity and a form of financing that isprovided by companies and business entities to comparatively small, new andemerging firms that are seen as a potential of having a high growth in future –be it in numbers of employees, annual turnover, or both. So…


    Mission of Fireside Ventures

    The main agenda of Fireside Ventures is to initially invest in around 25 ventures that could become an iconic brand in 10-15 years. AS per, Kannan Sitaram, the venture partner at the firm, some 1,400 prospects had come in contact with the team and out of which, 350 were assessed, and the team of Fireside Ventures detailed diligence on 140 and made 18 investments. As per Mr. Kannan, these ventures not only represent emerging trends but, also the intersection of the trends.

    Fireside Ventures Changing the Indian Startup Ecosystem
    Missions of Fireside Ventures

    Funding of Fireside Ventures

    The company usually makes investments of $4 to $5 million across pre-Series A and Series A stages. In 2019, had raised around $60 million for its second fund, and had a target corpus of $100 million in total. The fund is officially named as Fireside Fund II and is anchored by Indian and Global investors and institutions. In August 2019, the Fireside Venture secured an undisclosed sum of money from the French personal care company L’Oreal in September 2019.

    Funding Raised by Fireside Ventures

    Announced Date Fund Name Money Raised
    Mar 20, 2018 Fireside Ventures Maiden Fund I Rs. 3400million
    Nov 19, 2019 Fireside Ventures Maiden Fund II Rs. 7300million

    As per Mr. Singh, the second round is comprised of the ideology and aims to double down on investments into young millennial brands and help them scale the brand reach across its target segment. In 2019, he had cited that the company is starting to see credible opportunities for Indian brands to go global and the team had witnessed a lot of interest from domestic and global investors including family offices, strategies, larger institutions, etc.

    He also pointed out that the Fireside portfolio will look to expand into newer brands across segments like super-foods, personalized beauty, fashion, and personal care. The company had a corpus of INR 340 crore and was backed by fast-moving consumer goods brands like Unilever Ventures, Emami Ltd, ITC, etc.

    Many prominent investors like Premji Invest, Westbridge Capital, Mariwala Family Office, Sanjiv Goenka Family Office, and Sunil Munjal’s Hero Enterprise Investment Office had invested in the first fund of the company.


    Venture Capital Ideas For Business Startups
    Are you dreaming of starting your own start-up [/tag/indian-startups/]? You mayfeel you can’t as you don’t have a substantial amount of cash. This can be verydisheartening, but many businesses [/tag/business/] have been “bootstrapped[/tag/bootstrapped-startup/]” into the realization that is, some…


    An insight into the Fireside Ventures

    The company was founded by a team lead by consumer industry veteran Mr. Singh and the team comprised of experienced campaigners like Vinay Singh and V.S. Kannan in 2017. Till now, in a short period, it has already made investments across segments like personal care, processed foods, lifestyle, and home products.

    Fireside Ventures Changing the Indian Startup Ecosystem
    Founders of Fireside Ventures

    The companies that have benefited by Fireside Ventures are numerous, the prominent ones being Yoga Bar, Samosa Singh, Bombay Shaving Co., Mama Earth, and Vahdam Teas. Well, one of Fireside’s early investment Kwik 24, was acquired by BigBasket in 2018, this shows the impact of the Venture Capital firms in raising a startup.

    For its first fund, the company has claimed to have received investment interest from around 2,000 companies. Apart from that, around 90% of the investible corpus of fund 1 have already been deployed and the remaining 10% is reserved for the follow-ons. Amidst the closing of the second fund, Fireside also announced its newest portfolio brand Gynoveda, this is Ayurvedic personal care that is premised on personal health. This company also claims to have created the world’s first-period bot, which helps diagnose menstrual issues and then prescribe a personalized regime of Ayurvedic supplements to help alleviate menstrual cycles.


    List of Angel Investors in Hyderabad [With Contact Details]
    Hyderabad, being the major city of the technology industry and termed as the “City of Pearls”, embraces many budding as well as successful entrepreneurs. Ifyou are an aspiring entrepreneur who is looking for investors in Hyderabad forstartups, here we have attempted to list down Top Angel Investo…


    Fireside Ventures: Changing Startup Ecosystem?

    Fireside has been helping the Indian startups to make a name for themselves in a populated circuit. By helping them in every step, the team has been a prolific helper for the startups that were vulnerable to the closure of their ideas. Now, with the help of Fireside Ventures, they can freely implement their ideas and help the Indian startup ecosystem to be the change-maker!

  • Make In India, how India plans to manufacture revolution

    The make in India campaign focuses on sectors like oil and gas, railways,  electronic systems,ports and shipping,  renewable energy, roads and highways. Space, textile and garments, thermal power, tourism and hospitality and wellness.

    Mr. Narendra Modi, Prime Minister of India,  said

    “I want to tell the people of the whole world: Come, make in India. Come and manufacture in India. Go and sell in any country of the world, but manufacture here. We have skill, talent, discipline and the desire to do something. We want to give the world an opportunity that come make in India,”

    PROS of Make in India Campaign

    Campaign for the masses

    The Prime Minister emphasized on the development of labour intensive manufacturing sector. This campaign is to generate a lot of employment opportunities in Manufacturing.This would  help  National Manufacturing Policy   in achieving objectives through this campaign. The aim is to increase the GDP from current 15-16% to 25% till 2022. (Manufacturing sector)

    The purchasing power of people will get increased through employment. This will help to eradicate poverty. This would also help in the expansion of consumer base for companies.


    Growth of Factories over the Years
    Growth of Factories over the Years

    Model of the Make In India campaign

    The model of the campaign  is look east and link west policy . This will strengthen the industrial linkages with other countries. This would also help to build bilateral ties with many countries.The growth model is Export-Oriented. This will improve India’s Balance of Payments. This would also help in piling up foreign exchange reserves.

    An auto response mechanism will be formulated by the government. The Government also has decided to resolve  issues about procedural clearings. This will be done at different levels in a given time frame. This is a positive step towards an industrial friendly environment.

    Foreign investment will not only bring foreign capital. It will also bring technical expertise and creative skills .

    Fortifying the Rupee

    The emergence of the manufacturing industries would help in converting India. The nation would then will be a hub. A place for the fabrication of various commercial products. This would lead to be a grand collection of the FDI. All this in return  would help to strengthen the rupee. This would help against the domination of the American dollar.

    Up-gradation of technology

    India is an underdeveloped country. This means that we  lack various latest, new age mechanization. Lack of new technology is a big hurdle in the path to development of the nation. But due to the campaign a lot of investors would be attracted to India. This would give India an opportunity to upgrade to the latest version of technology.

    Availability of Youth

    The young generation is often referred to as a unending fuel.  Youth comprises of a major Indian population . This youth often moves outside the nation to study and make a future. India due to the lack of young labor misses out on all the innovative and creative points. Make in India can make this possible by keeping the youth in the nation. This would also give them ample opportunities.


    StayHappi Company Profile – Generic Medicine Startup in India
    Medicine is considered to be one of the most important necessities for all ofus. It is concerned with maintaining and restoring human health, and the role ofa pharmacist is vital for the benefit of the patients. With the rapid growth ofthe pharmaceutical industry, the market players need to provi…


    CONS of Make In India campaign

    India, the second China?

    When it comes to a theoretical perspective. It can be seen that the campaign tends to violate  the theory of comparative advantage. India should import the products that cost more at production in state .

    Is the world ready for a second China? This goes as per the point made by Dr. Raghuram Rajan. Government of India wishes to convert India into a second China. India but has no time advantage like China.

    India to stop imports?

    Make in India will lead India to focus only on export. This will lead India to make some changes in it’s export promotion measures. This can have a devastating effect on the import bill.India suffers from a countless number of companies that are called infrastructural bottleneck. To overcome this India has to invest a huge amount over a span of some years. Generating such a big amount is a a hard task.

    Agricultural negligence

    Agricultural sector will take the greatest blow due to this campaign. India has 61% cultivable land. This will happen due to the introduction of industrial sector. This introduction would lead to the negligence of Agriculture.


    OYO VS Airbnb, a backpackers dilemma and a question by tourists
    A traveler, A tourist and A first-time backpacker. These three have something incommon despite their differences in experience. They all want a peaceful nightto stay after having a long walk to someone’s dream place or to a normal visitor a trip. The business of giving people home or a place to …


    Depletion of Natural resources

    The Make in India campaign  focuses  on Manufacturing Industries. To set up these a lot of industries have to be build up. The manufacture of these requires a lot of natural resources be it fuel, water land. So a lot of new build ups would cause in depletion of these.

    Loss of Small businesses

    The Make in India welcomes foreign companies.  To invest and manufacture in India. This act eases up the rules for foreign trade and investment. This act may seem very healthy when it comes to foreign relations. But this would cause domination over small businesses . This would force them out of business.

    Recognition of Indian Products

    The make in India campaign would help increase the brand value of Indian products. But this wont help the brand when it would come to the upper middle class. The upper middle class are the people who can actually afford all this. So making a mark in front of them would be a great task.


    Make In India
    Make In India

    Pollution

    India  is currently unable to do anything with the problems like Pollution. According to stats Pollution Index  of India is 76.50. The Make in India is supposed to increase this further. The level of Pollution in India would rise to levels never seen. This would make the condition in India worse. So, Make in India can help India economically. But would have adverse effects ecologically.

  • SendFox: Best online automatic email sending tool to your Followers & Subscribers

    Own a website with thousands of followers but not staying in touch with them always results in detachment of followers from you and your content.

    To manage the well-crowded site you must always keep your subscribers engaged with every new notification regarding the website, upcoming tools, and trends.

    Why not go for an email to inform them about exciting upcoming deals and trends.

    Presenting SendFox, the best online automatic email sending tool to your followers, and also SendFox don’t bind your limits for sending emails.

    Sendfox Reviews
    Sendfox Reviews

    What is SendFox?

    SendFox is an online automatic tool that sends emails to your clients, subscribers, and followers.

    Tool Name SendFox
    Launched by AppSumo
    Use Automatic email sending tool
    SendFox Official website sendfox.com
    SendFox Contact support@sendfox.com
    Alexa Ranking (Global) 13,416
    SendFox Producthunt Upvotes 300

    Users can send unlimited emails as per their requirements and also schedule the prospective email that they want to send in the future.

    Creating an exciting email campaign to publicize your videos, podcasts, content attracts more customers than ever.

    SendFox Features

    Easy editing in Emails

    SendFox has a inbuilt WSYWIG editor through which you can edit the content of your emails to make them more attention-worthy and mobile-responsive.

    You can edit links, text, images, colors, and formatting.

    Unlimited Emails to followers

    SendFox offers you to create, design, schedule unlimited personalized emails to your clients and customers.

    Also, you get to preview your tailored emails before sending them.

    Automation

    SendFox has this interesting feature of automation of important emails that you previously sent.

    Emails having a promotion of content, blogs, emails that contain attractive scheduled campaigns that will pass on the pre-fixed time.

    With this feature, users can easily separate different categories of audience so that they receive what they want to see.

    RSS Content Feed

    In this feature of SendFox, you can write emails with the integrated RSS feed, and with this, your subscribers will get notified when something new comes up.

    And that will definitely make your content more effective.

    You can also create and draft email campaigns with your own RSS feed by connecting to SendFox.

    List and Tagging of Contacts

    SendFox allows you to keep and manage your contacts separately.

    And with the CRM function, you can write separate notes to each subscriber so it will look more personalized.

    Landing Forms and Pages

    SendFox is a lead-capture tool that enables you to make customized and branded forms and landing pages to track leads on your website.

    Plus you can integrate these forms and landing pages to your website to rise up your email list.

    Performance Tracking Tool

    SendFox has an Advanced analytics system for users so they can easily track subscription status, source, clicks, opens, IP address, your email campaigns, and also mark important tweaks with real-time data.

    SendFox Alternatives

    • MailChimp
    • Proze
    • Mailpoet
    • Moosend
    • Mortgage Quest

    SendFox Ratings

    Given SendFox ratings are collected by review website profitable tools & 99signals:

    Overall Rating 4.4/5
    Ease of Use 4.7/5
    Customer Support 4.8/5
    Value for Money 4.8/5
    Features 4.4/5

    SendFox is an amazing product from the Appsumo platform that has a simple and undemanding interface. With SendFox you can send unlimited customized and attractive mails, organize and share worthy email campaigns.

    You can also send scheduled emails to your clients and followers via SendFox. Custom forms and Landing pages makes your work more effective.

    Here in SendFox, you can also keep your contact list separated as per the different categories.

    All these perks in just $49 for a lifetime. The best deal ever heard.

    SendFox Integrations

    • Sumo
    • KingSumo
    • Live Webinar
    • Pabbly
    • Sociamonials
    • Response Suite
    • HappyForms

    SendFox Pricing

    Normal Pricing SendFox Appsumo deal
    $240/year $49/Lifetime

    SendFox Appsumo Deal

    • Lifetime Access to SendFox tool
    • All future updates on SendFox
    • 60 days guarantee of money-back
    • Unlimited and Scheduled Emails
    • Custom Forms and Landing pages
    • Creates amazing email campaigns
    • List and tag to maintain perfect management in contacts

    Closing Note

    All companies out there know the worth of long-term clients, followers, subscribers, and customers.

    SendFox helps you to keep them collaborate with your website by notifying them time-to-time with fresh exciting and fruitful content that you create for them.

    Don’t kill your time here, just go for SendFox and keep your audience always closer to your website and content.

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    Frequently Asked Questions (F.A.Q)

    What is SendFox?
    SendFox is an online email sending tool that you can use for sending unlimited emails to your clients, followers, and subscribers.

    Is there a free plan in SendFox?
    Yes. There is a Free plan in SendFox but with limited features.

    Is there a money-back guarantee in SendFox Appsumo Deal?
    Yes. There is a 60 days money-return policy in SendFox Appsumo Deal.

    Which applications can be integrated with SendFox?
    The following applications can be integrated with SendFox:

    • Sumo
    • Live Webinar
    • KingSumo
    • Pabbly
    • HappyForms
    • Sociamonials
    • Response Suite and much more.
  • How To Become Better With Doing SaaS Marketing Using SEO

    Saas is growing daily in popularity, this means that the competition is increasing drastically. Also, Ubbersuggest says the keyword “SaaS Companies” receives around 3,600 searches per month in search engines.

    In this competition, a strategy for search for engine optimization is important. So that users can find your organization online.

    In this article, we’ll see different solutions in which SEO can help your SaaS company. In succeeding, growing, and staying ahead of your competitors.

    What Do You Mean By SEO For SaaS Companies?

    SEO is one of the popular marketing strategies available today for a good reason. It provides great results for companies that operate partially or fully online.

    SEO is the process of improving your website. So that it shows higher search engine results. This is very important to be a leader in your industry.

    Services Of SEO

    Most people don’t click beyond the first page of search results. The first five organic results on any result page estimate for nearly 70% of all clicks.

    Different techniques offer SEO to work as a strategy. This consists of Keyword Research, Content Creation, and User Experience.

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    There are three SEO strategies You Should Take Into Consideration

    1. On-Page SEO

    On-Page SEO includes elements of your SaaS website’s pages. These concerns elements such as the title tags and meta descriptions. This shows up to the search results and also the keywords that are in your content.

    The three-step SEO strategy for the SaaS company focuses mainly on On-Page SEO.

    2. Off-Page SEO

    Off-Page SEO for any organization centers on the links. Whenever other sites add your link to their content. Then your website gets boosted a little more.

    Links are an essential part of getting your SaaS site at the top of the search results. But this will not be easy to earn. This will take a lot of time and effort in adding your links to other sites. So you might need to partner with some experts out there.

    3. Technical SEO

    Technical SEO could be the trickiest part of the SaaS company’s strategy. Using technical SEO, your site will work properly. Also, it can crawl by search engine crawlers.

    Some of the technical SEO elements the organization should look for. They are page speed, responsive design, broken links, and site security.

    Crowdfunding For SaaS Startups | 7 Best Saas Crowdfunding Sites To Launch Your Business
    If you’re a developer, you know how hard funding and traction are to come by.Most software startups try crowdfunding [/tag/crowdfunding/]and fail — they’redoing it wrong! To crowdfund your app, and supercharge your business, let’s lookat what works, what doesn’t, and get started right! It’s no se…

    Why Your Company Should Invest In SEO?

    See, there are various channels and strategies out there to drive SaaS growth. Facebook, Podcasts, email, Reddit wants you to spend on your marketing.

    The Marketing Funnel

    So why use SEO?

    The answer is very easy. Content marketing and SEO are the main pillars for having a feasible, expected, and expandable growth of your SEO strategy.

    Let’s understand it more deeply:

    1. SEO Scales Exponentially

    • Inbound and SEO marketing are generally the most feasible and expandable approaches to SaaS growth.
    • The results that are generated from SEO compounds over time. A well-executed SEO strategy grows exponentially in targeted traffic. This can be then turned into leads and customers. This traffic is expected.
    • The number of people who search will vary daily. You can approximately predict the traffic.

    2. SEO Reduces Dependency On Paid Marketing

    • However, paid channels could be effective as a SaaS company entering the growth phase.
    • Most of the time, the cost to gain a user using the paid channels will go up over time. This is because as you exhaust the users that are likely to convert. When new competition enters the market and people bid using paid channels.
    • This is why SEO can be a smart long-term growth strategy. You need to detach yourselves off of paid channels.

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    3. SEO Powers All Other Strategies

    • Like other marketing strategies, SEO cannot function in a vacuum. But beyond SEO you will need additional marketing strategies that capture and convert that traffic to actual customers.
    • The traffic generated through SEO powers other channels and strategies. Such as driving email subscribers and filling the retargeting funnel.

    How Does SEO works For SaaS?

    1. Decides Your Most Valuable Keywords

    Before you start an effective SEO campaign. You should first note down your most valuable keywords. These keywords are the will be targeting your user searches for most and ones you want to rank.

    SaaS Growth Strategy

    It is important to know that some keywords are easier to rank. Long-tail keywords are much easier to rank. This is because they are more detailed and are used to a smaller group of people.

    2. Creates Effective Content Around The Target Keywords

    After deciding your most valued keywords. This is the time for creating your content. Content is something that ranks in search engines. Hence this is the important aspect of the SEO campaign. The SaaS company’s optimized content helps move users through the buying funnel.

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    The purchasing states of buying funnel consists of:

    • Awareness
    • Interest
    • Desire
    • Action

    However not every user uses the linear path to make a purchase. This is important to create content that contains every stage of the buying process.

    At top of the funnel, if you want to prove that you are an expert in your field. And also get your familiar people with your brand. Blog posts will work best for that.

    At the bottom of the funnel, you need to convince your customers that your service is best. Also, this is trusted by other consumers. Customer testimonials are better at this stage.

    The ultimate growth of SaaS and it’s effects on the Business market in India
    Like many other technology inventions that leaves the human existenceshell-shocked, the new technology called as SaaS (Software as a service) hascome into existence to simplify the human lives and its growth has reached theglobal world. Software as a service, as the name suggests, is a software …

    There are few more options while creating site content for your SaaS company’s website.

    Going for general content creation for your SaaS SEO. you can create a blog for that. A blog will provide information to the customers that could come from a different point of view.

    You can also add article pages where you will give your information about products or services. You can also add images, infographics, videos, gifs, and other elements.

    3. Ensure To Give a Great User Experience

    • When Google puts pages to rank in the search display. They make sure that they are serving the informational content about any search query. But they also want people visiting that page to get a great user experience.
    • User experience is the way users navigate your site to find what they are looking for. How easily they got and how much time it took. This leads to offer an easy to use a navigation bar that guides everything.
    Content Marketing Vs Paid Channels
    • This is important for your bounce rate too. This also helps Google to determine how pages should have ranked. Your navigation will gradually decrease your bounce rate because this can help you to guide users.
    • If the graphics, images, and videos are also there then its best. Because it keeps the user’s attention. This can increase the time to spend on-page. And prevents the users and get bored with content and move to another page out of frustration.

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    Summarizing It up

    At last, the process for building a successful SEO strategy for SaaS Company. Is Ultimately SEO just one channel and one strategy. Scaling incoming targeted traffic to the site is the engine that drives the company forward.

    And this makes SEO the most critical strategy for dragging more number of buyers to your site through the funnel. Creating constant traffic from search is an important investment that will pay off exponentially.

  • List of 177 Banned Chinese Apps in India

    The government on 2nd September banned 118 applications- a majority of being Chinese, including popular ones such as PUBG, WeChat Work, CamCard, Rise of Kingdoms: Lost Crusade and Alipay; stating that these were “prejudicial to sovereignty and integrity of India, security of State and public order.” This is in addition to banned Chinese 59 apps including TikTok, Shareit, club Factory, Shein in June to ensure safe cyberspace in the country. These banned chinese apps had over billions of potential Indian users and these apps were successful in luring the users to download them in large numbers.

    The Ministry of Electronics and Information Technology (Meity), said it was invoking its power under section 69A of the Information Technology Act read with the relevant provisions of the Information technology (Procedure and Safeguards for Blocking of Access of Information by Public) Rules 2009, and in view of the emergent nature of threats has decided to block 118 mobile apps; engaged in activities which is prejudicial to sovereignty and integrity of India, defence of India, security of state and public order.

    It’s such a sheer loss to our country’s dignity and economy that all the while we are bragging and outraging against any service provided to us by China , we never lose to stay in their top 3 users.

    The list of  banned apps in India includes apps like PUBG, Baidu, AppLock, TikTok, ShareIt, WeChat, UC Browser and so on. A recent study reveals that India has been the world’s fastest-growing app-market over the past few years. Reports suggest that Chinese apps are ruling the Indian app market as users have downloaded them in significant numbers. However, Indian intelligence agencies asked government to block 118 mobile applications as being a threat to national security. India’s security agencies raised concerns that apps in the list of banned Chinese apps are safe.

    list of 53 chinese apps
    Chinese apps banned in India released officially by Government on 29 June

    As tensions at India and china border has to lead to another list of banned Chinese apps. India’s ministry of information and technology has issued 118 Chinese mobile apps to banned from the Indian market.

    list of chinese apps banned in india
    PUBG Banned In India

    List Of Chinese Apps That Got Banned On 2nd September 2020

    | 118 Chinese Apps That Got Banned on 2 September 2020 |
    |— |— |— |—
    | 1. Apus Launcher Pro-Theme, Live, Wallpapers, Smart |
    |2. Apus Launcher-Theme, Call show, Wallpaper, Hide Apps |
    |3. Apus Security-Antivirus, Phone Security, Cleaner |
    |4. Apus Turbo Cleaner 2020-Junk Cleaner, Anti-virus|
    |5. Apus Flashlights-Free & Bright|
    |6. Cut Cut- Cut Out & Photo Background Editor|
    |7. Baidu|
    |8. Baidu Express Edition|
    |9. FaceU- Inspire Your Beauty|
    |10. ShareSave by Xiomi: Latest Gadgets, Amazing deals|
    |11. Camcard- Business Card Reader|
    |12. Camcard For SalesForce|
    |13. Camcard Business|
    |14. CamOCR|
    |15. InNote|
    |16. VooV Meeting- Tencent Video Conferencing|
    |17. Super Clean- Master Of Cleaner, Phone Booster|
    |18. WeChat Reading|
    |19. Government WeChat|
    |20. Small Q Brush|
    |21. Tencent Weiyun|
    |22. Pitu|
    |23. WeChat Work|
    |24. Cyber Hunter|
    |25. Cyber Hunter Lite|
    |26. Knives Out-No rules, Just Fight|
    |27. Super Mecha Champions|
    |28. LifeAfter|
    |29. Dawn Of Isles|
    |30. Ludo World-Ludo Superstar|
    |31. Chess Rush|
    |32. PUBG Mobile Nordic Map:Livik|
    |33. PUBG Mobile Lite|
    |34. Rise Of Kingdoms:Lost Crusade|
    |35. Art Of Conquest: Dark Horizon|
    |36. Dank Tanks|
    |37. Warpath|
    |38. Game Of Sultans|
    |39. Gallery Vault: Hide Picture And Videos|
    |40. Smart AppLock|
    |41. Message Lock(SMS Lock)|
    |42. Hide App-Hide Application Icon|
    |43. AppLock|
    |44. AppLock Lite|
    |45. Dual Space- Multiple Accounts & App Cloner|
    |46. ZAKZAK Pro- Live Chat & Video Chat Online|
    |47. ZAKZAK LIVE: Live Chat & Video Chat|
    |48. Music-Mp3 Player|
    |49. Music Player- Audio Player & 10 Bands Equilizer|
    |50. HD Camera Selfie Beauty Camera|
    |51. Cleaner- Phone Booster|
    |52. Web Browser & Fast Explorer|
    |53. Video Player All Format For Android|
    |54. Photo Gallery & Album|
    |55. Photo Gallery HD & Editor|
    |56. Music player- Bass Booster- free Download|
    |57. HD Camera- Beauty Cam With Filters & Panorama|
    |58.HD Camera Pro & Selfie Camera|
    |59. Music Player- MP3 Player & 10 Bands Equilizer|
    |60. Gallery HD|
    |61. Web Browser- Fast, privacy & Light Web Explorer |
    |62. Web Browser- Secure Explorer|
    |63. Music Player- Audio Player|
    |64. Video Player- All Format HD Video Player|
    |65. Lamour Love All Over The World|
    |66. Amour- Video Chat & Call All Over The World|
    |67. MV Master- Make Your Status Video & Community|
    |68. MV Master- Best Video Maker & Photo Video Editor|
    |69. APUS Message Center-Intelligent Management|
    |70. LivU Meet New People & Video Chat With Strangers|
    |71. Carron Friends: Carrom Board & Pool Game|
    |72. Ludo All Star- Play Online Ludo Game & Board Games|
    |73. Bike Racing: Moto Traffic Rider Bike Racing Games|
    |74. Rangers Of Oblivion: Online ACtion MMO RPG Game|
    |75. GO SMS PRO- Messanger, Free Themes, Emoji|
    |76. Z Camera- Photo Editor, Beauty Selfie, Collage|
    |77. U-Dictionary: OXford Dictionary Freee Now Translate|
    |78. Ulike- Define Your Selfie In Trendy Style|
    |79. Tantan-Date For Real|
    |80. MICO Chat: New Friends Banaen Aur Live Chat Karen|
    |81. Kitty Live- Live Streaming & Video Live Chat|
    |82. Malay Social Dating App to Date & Meet Singles|
    |83. AliPay|
    |84. AliPayHK|
    |85. Mobile Taobao|
    |86. Youku|
    |87. Road Of Kings-Endless Glory|
    |88. Sina News|
    |89. Netease News|
    |90. Penguin FM|
    |91. Murderous Pursuits|
    |92. Tencent Watchlist Tencent technology|
    |93. Learn Chinese AI-Super Chinese|
    |94. HUYA LIVE- Game Live Stream|
    |95. Little Q Album|
    |96. Fighting Landlors- Free and Happy Fighting Landlords|
    |97. Hi Meitu|
    |98. Mobile Legends: Pockets|
    |99. VPN for TikTok|
    |100. VPN For TikTok|
    |101. penguin E-Sports Live Assistant|
    |102. Buy cars- Offer Everything You Need, Special Offers And Low prices|
    |103. iPick|
    |104. Beauty Camera Plus- sweet Camera & Face Selfie|
    |105. Parallel Space Lite- Dual App|
    |106. Chief Almighty: First Thunder BC|
    |107. MARVEL Super War NetEase Games|
    |108. AFK Arena|
    |109. Creative Destruction NetEase Games|
    |110. Crusaders Of Light NetEase Games|
    |111. Mafia City Yotta Games|
    |112. Onmyojio NetEase Games|
    |113. RideOut Heroes NetEase Games|
    |114. Yimeng Jianghu-chu Liuxiang has been fully updated|
    |115. Legend: Rising Empire NetEase Games|
    |116. Arena Of Valor:5v5 Arena Games|
    |117. Soul Hunnters|
    |118. Rules Of Survival|

    Chinese Apps banned in India

    • Social  content platforms:  Helo and SHARE it
    • Entertainment and short video apps:  TikTok, LIKE, and Kwai
    • Web browser apps:  UCBrowser and UCBrowserMini
    • Video and live streaming apps:   LiveMe, Bigo Live, and VigoVideo
    • Utility applications:  BeautyPlus, Xender and Cam Scanner
    • Gaming  apps and software:   PUBG, Clash of Kings, Mobile Legends
    • E-commerce applications: ClubFactory, Shein, and Romwe

    List of Chinese Apps in India 2020 | Top Chinese Apps List in India
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    Pandemic and Politics

    Wednesday’s announcements comes amid renewed tensions between India and China owing to the stand-off on the disputed boundary in Ladakh that has beeen on since May 2020. In a statement, the government said this move would safeguard the interests of crores of Indian mobile and Internet usera and teh decision was a targeted move to ensure safety, security and sovereignty of Indian Cyberspace.

    By this, it’s crystal clear that China’s sole motive is to raise Beijing’s profile as a leading power of humanitarian assistance throughout the globe. China’s  bilionaire diplomacy aims to achieve three immediate objectives:

    •  shift the focus away from talking about the origin of corona virus in Wuhan
    • establish makeover
    •  expanding their market in every possible way
    •  become the biggest economy all over the world.
    Chinese Banned Apps

    For India, the pandemic presents an opportunity to demonstrate its willingness and capacity to shoulder more responsibility. It’s been a backlash that China is being criticised for their cheap winning tricks to conquer the world. It should be known that political impact of corona virus pandemic is yet to crystallize.

    Since , the COVID-19 has been a great leveller across the world and we know that it’s effects stand to be devastating.  Both countries , India and China , have sent their troops towards LAC (Line of Actual Control). The aggression seems to rise in it’s various form.

    How to Remove China based Application
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    Complaints of Misuse

    The Ministry said it had received many complaints about the misuse of some mobile apps available on Android and iOS platforms for stealing and surreptitiously transmitting users’ data in an unauthorised manner to servers that have locations outside India. “The compilation of these data, its mining and profiling by elements hostile to national security and defence of India, which ultimately impinges upon the sovereignty and integrity of our country, is a matter of very deep and immediate concern which requires emergency measures,” it stated.

    Additionally, the Indian Cyber Crime Coordination Centre, Ministry of Home Affairs, has sent an exhaustive recommendation for blocking these “malicious apps” and similar bipartisan concerns have been flagged by various public representatives, both outside and inside Indian Parliament.

    Sonam Wangchuk Went  #BOYCOTT-ing!

    Sonam Wangchuk, whose works  inspired “3 Idiots” , posted a video on You tube. It said that Indians should boycott everything which is from China to avenge the tensions between the two biggest economies.

    Wangchuk believes that the only way to defeat China is by using “wallet power”. We all know that the Chinese products and goods that we buy have been funding their army since a very long time ago.It’s high time and we should boycott them and stop them there itself.

    India Banned 118 Chinese Mobile Apps.
    India Banned 118 Chinese Apps

    Soon after Wangchuk’s video went viral, #BoycottChina, #BoycottMadeinChina, #BoycottChineseApps and #BoycottTiktok began trending on social media. Bollywood actor MilindSoman also joined the bandwagon and decided to uninstall Chinese app Tiktok from his phone.

    Not just celebrities, but many Indians have taken the  hatred all over the internet since the beginning of the pandemic. Several even wanted to take revenge against China for the same. In fact, many Indians have been searching on Google– “how to delete or remove Chinese apps” from their phones.

    It’s funny how every hatred towards anyone is actually thrown away very casually by using a simple terminology boycott.We are left with only one solution. To boycott it. Boycott movies. Boycott apps. Why, even boycott human beings!

    Every time, when something against national interest happens, we witness such outrages against some app and services.

    The only reasons of bans and protests are:

    • origin
    • privacy concerns

    Since 2018, TikTok happens to be one of the most popular apps in India even today, even after countless calls for bans. As a matter of fact, TikTok is a legit source of income for several Indians. I don’t know how embarrassing it is, but the employment sector of India is made fun of because so called ‘Youth of India‘  is busy making TikTok. We have taken a mere fight all over the internet which was TikTok vs. YouTube.  Can anyone believe this !

    If you were to scour through and delete all Chinese apps, your phone (assuming it isn’t made in China) would probably be left with only a handful of apps. but that’s how we can work more, and this can also genrate a source of income for youngsters who hav keen interest in this field. PM Modi asked out all the youngsters to create gaming applications in his recent ‘Mann Ki Baat’. Who would know that this was for banning majority of gaming Applications in the country.

    10 Surprising Insights About Chinese Apps And Their Alternatives | Alternatives of Chinese Apps
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    The Defense Fears of Cyberespionage

    Based on information collected by Indian intelligence agencies, the Indian government fears Following security risks and  cyber espionage attempts. Chinese spies could collect critical information through malware and spyware in Android and iOS apps. The information is then sent to servers in China and could be used to get details on army location. Army troops, especially, border troops from the Indian Armed Force and Central Armed Police Personnel (CAPF) are asked to urgently uninstall them from their smart phones.

    Also, devices made in China, such as Huawei and ZTE have already been banned from use by international border troops in the LAC region (Line of Actual Control). Its been noted that the ban does not apply  in whole country due to obvious reasons.

    list of banned chinese apps
    Cyberattack_

    Helo App – News, About, Founder, Competitors, Growth..
    Helo app is a Chinese social media platform specially designed, where besidesEnglish, content is also available in 14 other Indian regional languages. ZhangYiming founded the Helo App in the year 2018. People all over the world are spending more and more time on their smartphones.As revealed by…

    “REMOVE CHINA APPS” Bagged 5M Downloads

    Many Indian developers have been working to compete with the Chinese market of apps. App developers One Touch AppLabs launched an application – ‘Remove China Apps’ on May 17. As the name suggests, it’s work is same. When you download the app, you can run a scan through your phone. It will detect the Chinese apps on your phone and give you an option to delete them. If you click on the red bin icon next to the concerned app, it will uninstall the app from your phone. Several people have also shared screenshots on social media to show that they’ve used the app.

    The app was at the top spot of Google Play’s top free apps list and it has been downloaded by over 5 million Indian users since its launch. This development came at a time when anti-China sentiment is high in the country, sparked by the novel corona virus pandemic, India-China border dispute, and more. But later the app was taken down from Google Play store a few weeks ago.

    Another app playing on similar sentiments – Mitron – has also gained traction over the last several days and is being touted as an alternate to TikTok.

    Since there is no immediate replacement of certain Chinese apps, one of the top leading industries of India, JIO has offered a wide range of apps too. Even if there are many alternatives , then also we are left with the only one to reply such aggression in a polite way.

  • Reliance Journey Of Being The Worlds 2nd Most Valuable Energy Firm

    Reliance Industries Ltd has now overtaken the company Exxon Mobil to become the world’s second most valuable energy company after its market capitalization scaled to a record to a record high of over ₹14 trillion (14 lakh crore). This propels Mukesh Ambani to become the fifth wealthiest person on the planet with a net worth of $77.4 billion, a position previously filled by Steve Ballmer.

    The logo of Reliance Industries.
    The logo of Reliance Industries.

    According to the stock market data, the conglomerate is now ranked 46thglobally on market. Its share price scaled to its highest of ₹2,163 before settling at ₹2,146.20 taking the company from its 48th position to 46th position. The ₹13.6 trillion market capital of Reliance along with ₹54,262 crore market capital from its partly paid shares that were traded separately puts the firms combined market value at ₹14.1 trillion or $189.3 billion. Reliance is the 10thhighest market capital company in Asia.

    Besides being on a higher spot Exxonmobile, Reliance also is above Apple which has a market cap of $1.6 trillion, Microsoft at $1.5 trillion and Amazon a $1.48 trillion dollars. It is also is higher than Chevron, Oracle, Unilever, Bank of china and The SoftBank Group. At the 46th rank it is just below PepsiCo which has a market capital of 189.8 billion.


    Billionaire Mukesh Ambani’s Reliance Retail has acquired Future group Retail Business for ₹24,713 crore
    Kishore Biyani, once celebrated as a retail king has surrendered by selling hisretail business of the Future Group to billionaire Mukesh Ambani’s RelianceRetail. Mukesh Ambani’s Reliance Industries Ltd has acquired Kishore Biyani’sFuture Group for ₹24,713 crores / $3.38 billion. Reliance Retail w…


    Reliance Industries partly paid shares

    The RelaincePP shares was first listed on stock exchanges on June 15th, 2020 is one of the reasons to why Relaince is the 2nd most valuable energy firm in the world. The ReliancePP or partly paid up shares have been issued in recently concluded in the rights issue have generated over 4.1 times more returns to investors in less than two months. Reliance raised a total of Rs 2,12,809 crore just through Rights Issue, investment of BP to its fuel retaining venture.

    It added 115.9 billion to shareholder wealth within just four months giving the company the highest value creation in the world in such a short time, which was mostly because the record breaking fundraising from its digital unit, Jio Platforms. The firm also added $39 billion market value just within 5 weeks and 29 billion just from the last 14 trading sessions. The combined capital raised has no precedence globally in such a short time.


    List of Companies Acquired by Reliance Brands & Jio
    Reliance Industries Ltd (RIL) has made several acquisitions in the past threeyears to boost product offerings of its subsidiaries – Reliance Jio Infocomm Ltdand Reliance Retail Ltd, among others. RIL has put in $566 million in media andeducation, $194 million in retail, $1.2 billion in telecom an…


    The journey to the 2nd most valuable energy firm

    The Reliance Group, is India’s largest private sector enterprise with businesses in thee energy and materials value chain. Founded by Dhirubhai Ambani the flagship company, Reliance Industries Limited is a fortune Global 500 company and has evolved from a textile company to a global leader in the materials and energy value chain businesses. It all started when Ambani started the yarn trading businesses in 1957 form a small 500sq.ft. Office in Mumbai. In 1996 Reliance went on to become the biggest textile brand “Only Vimal”

    Reliance's growth to become the worlds 2nd energy company by value
    Reliance’s growth rate to become the worlds 2nd energy company by value
    • Reliance stands as the global leader when it comes to being the largest polyester yarn and fiber producer in the world and among the top five to ten producers in the world in major petrochemical products.
    • Reliance industries limited operates world class manufacturing facilities across the country at Allahabad, Barabanki, Dahej, Dhenkanal, Hazira, Hoshiarpur, Jamnagar, Kurkumbh, Nagothane, Nagpur, Naroda, Patalganga, Silvassa and Vadodara
    • The company works under different business segments such as Production, Petroleum Refining, Marketing, Petrochemicals, Textiles, Telecommunications and Retail.
    • The products and brands offered by the company are: LPG, Crude oil, Gasoline, High speed diesel, Aviation turbine fuel, Petroleum Coke, Sulphur, Fleet management services, Highway hospitality services, Vehicle care services, High and low density Polyethylene, Fleet management services, Highway hospitality services, Vehicle care services, different types of Yarn, etc.
    • The subsidiaries of Reliance are: Reliance Petroleum Limited, Reliance Industrial Investment and Holdings Limited, Reliance Ventures Limited,  Reliance Strategic Investments Limited Reliance Exploration and Production DMCC Reliance Global Management Services Limited, Reliance Commercial Associates Limited.
    • other subsidiaries being Reliance Fresh Limited, Retail Concepts and Services (India) Limited, Reliance Retail Insurance Broking Limited, Reliance Retail Finance Limited, Reliance digital Retail Limited, Reliance Retail Travel & Forex Services Limited, Reliance Trends Limited, Reliance Home Store Limited, Reliance Digital Media Limited, etc.

    For a company who just started as a small textile company, Reliance has crossed several milestone to become a Fortune 500 company and now the 2nd most valuable energy firm in the company within a span of 3 decades.


    Reliance Industries Limited To Hold 1st Virtual Annual General Meeting
    Reliance Industries Limited or RIL, the largest private company of India,announced on Monday that the Annual General Meeting (AGM) will be held virtuallythis year after Tata Consultancy Services (TCS) held its virtual AGM a few daysago. The Ministry of Corporate Affairs (MCA), owing to the curren…


    Reliance Turning Green

    The Reliance industries has a 15 year vision to build itself as a new energy company that aims to recycle CO2 and create value from plastic waste and has an optimal mix of clean and affordable energy. While the oil to chemical conglomerate has more focused on consumer business in the recent times, but Reliance core which is oil to chemical business is well placed to generate sustained free cash flow.

    Until demand normalizes Reliance Industries are looking to maximize throughout focus on the cost by leveraging deep petrochemical integration and continue to focus on domestic fuel Marketing. Future of O2C is new energy company and partnerships. It also intends to be a net carbon zero company by 2035. To achieve this, the company is also open to work with global financial investors, reputed technology partners and start-ups working on futuristic solutions.

    This new energy business is based on the principle of carbon recycling and circular economy is a multi-trillion opportunity for India and the world. The brokerage said a key focus for Reliance Industries is renewable energy, and for that it intends to build an optimal mix of clean and affordable energy with hydrogen, wind, solar, fuel cells and battery. And intends to use technology, recycle CO2, create value from plastic waste.

  • Everything You Need To Know About Life Insurance

    This post is dedicated to the domain of life insurance, the different types of life insurance, the way these instruments are sold, and several other points. India had about 328 million life insurance policies in 2019, so it’s a pretty huge business that one needs to understand and be aware of.

    Several immediate and unexpected aspects arise in our existence. We might pass away due to a tragedy or some ailment. But there is one aspect we are hundred percent sure about: our existence will cease at some point for sure.

    Insurance is a commodity formulated to empower you with a criterion of safety, at least financially, should a catastrophe happen. A life Insurance is precisely planned to ensure your dependents are financially secured in your absence.

    A life insurance is an agreement between an insurer and a policyholder in which the insurer pays a financial reimbursement to the appointed legatee upon the loss of the insured. To put it in simple terms, you spend a sum of wealth called “bonus” to the insurer and when you depart, your beneficiaries—usually your immediate family members—get a lump sum of fortune known as “casualty help”.

    Life Insurance
    Life Insurance

    Should You Buy Life Insurance?
    How Does The Insurance Industry Work?
    What Sector Of Insurance Is To Be Bought?
    Types of Life Insurance
    How To Sell Life Insurance?

    Should You Buy Life Insurance?

    You should buy a life insurance if one or more individuals depend on you for financial aid and sustenance. For example, your kids or your aged parents. Even if no one depends on you, a life insurance is no less than a savior in case of accidents and emergencies.

    How Does The Insurance Industry Work?

    How Insurance Industry Work
    How Does It Work

    If you go back to the days of tribes and ancient people, there was extensive diversity in occupations and tasks. Some people in the tribe were hunters while the others were blacksmiths and agriculturists.

    All of them had various roles. The objective of the head of the tribe was to guarantee that the whole tribe was comfortable, conserved, and maintained if anyone in the tribe left for whatever reason.

    When the tribes became bigger, they moved into different areas and built nations. The rulers of those nations would have a treasury to safeguard the community. The fighters had to be protected. In case if a soldier didn’t come back, then the treasury would help in sustaining the bereaved family. As the society continued to grow, the administration had difficulty regulating the treasury. There were a lot of inefficiencies and the solution was to privatize these investments.

    One of such enterprise formed was insurance. Safety and security are major wealth that the community had to preserve and ensure for all.

    Insurance is a pool of wealth from which amounts are paid out to people in need. The insurance industry will investigate lawsuits it feels are not profound; hence, the following points are significant when it comes to insurance:

    • Appreciating the documentation.
    • Understanding what is hidden and what is not concealed.
    • Meeting the monetary consultant or inter-generational planner.

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    What Sector Of Insurance Is To Be Bought?

    The insurance industry neither very tricky nor modest because it has evolved over a thousand years. There are different kinds of insurance segments one can use depending on the requirement:

    • If you pass away, your family will need revenue safety.
    • In case you fall ill, the house needs income protection.
    • When you retire, you want to have a constant income.
    • When your children go to the institute of their choice, you’ll need money to finance their education.

    These are the four essential sectors where the insurance pool of cash is used. There are several other categories of insurance like medical insurance, car insurance, travel insurance, etc. These insurance agreements function on the same laws but the only difference is in the probability alteration. If your premium is elevated, it means you have a greater probability of something going wrong.

    Types of Life Insurance

    Types Of Life Insurance
    Types Of Life Insurance

    These are the common life insurance models available:

    Term Life Insurance

    The most common type of life insurance is the term life insurance. For one, it is a remarkable, real-life insurance death privilege. It can be employed to maintain your family and settle obligations.

    It may not be decent for a lifelong policy. You can purchase a term for a certain duration such as 5, 10, or even 30 years. It’s prohibitive for properties.

    Most people decline their term scope about retirement time as the taxes are pricing them out of their agreement. The term has no bonuses or currency value. Once you resign from paying premiums, all history premiums are lost. They are gone. You must nearly starve to get a windfall. You never own a term insurance. It’s more like renting. You quit spending rent. You certainly don’t have anything to exhibit for it.

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    When Do You Expect To Borrow Term Insurance?

    One of the vastly prominent explanations is when you are inexperienced; and it’s reasonable. And you have a new family term to ensure your family will be able to sustain itself in case of a catastrophe or a loss. Presently, approximately one to two percent of all term programs ever end up spending a death help which is why it’s somewhat reasonable.

    The opportunities for a 20 or 30-years-old’s death are in the company’s favor. By the moment you loathe your 60s and 70s, term is incredibly important. It’s usually lowered because of the expenses and it’s not usable because of nature issues.

    Universal Life (UL)

    This is another type of insurance. Universal life appeared in the 80s. It was formulated to assemble significant money and assist in counteracting the expense of safety. The bonus is composed of two portions. You have a security portion for the casualty help, and then there is a savings basis or a cash value part.

    The demise benefit is concealed by term insurance. It’s not the inexpensive term insurance publicized on the radio. It’s a relatively rare term insurance. You can purchase a term in increments like 10 or 20 years. In a universal life insurance, the phrase is known as an annual renewable duration.

    The opinion with UL is that you overpaid on the dividend and the abundance goes into a cash-value summary. Those budgets get collected in what’s called interest credit, based on the new interest rates at the quantity.

    The confidence was the currency value would rise and as the tax of the term insurance improved ,the cash value would enable offset those costs. If there was adequate cash value at some juncture, the income on the currency value would or hopefully help pay the premiums.

    The downside includes the cost of security. It had no lid to it. In another statement, the insurance industry could boost the term tax and the cash value would be consumed relatively soon. By the time people resigned, the cost of protection would have escalated. The cash value wouldn’t hold up with the costs.

    Now when that happens, you’re confronted with either reimbursing the dividend out of the bag (which is massive) or forfeiting everything. Many ancient duos could not pay for the elevated premiums and those strategies lapsed. There are three examples of UL:

    • Fixed universal life.
    • Variable universal life.
    • Indexed universal life.

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    Fixed Universal Life

    A fixed universal life has the income rate ridden. Each year, it’s charged an interest rate and is diversified on the established economic setting. This type of UL is deformed as the expenses overshadow even the probable profit.

    Variable Universal Life

    This type of UL takes the cash value and virtually lets you subsidize it in mutual funds labeled sub-accounts. The problem associated with variable universal life insurance is that the danger of the market is on you. If there are casualties, they immediately influence your cash value.

    Secondly, the administration fees taxes for a variable policy are awful. It’s not extraordinary to remember three to five percent each year just in payments. This can devour currency value and probable recoveries. If you possess failures and also subtract the fees and cost of insurance, many of these agreements prove to be a crisis.

    Each year, it becomes more costly. Variable UL is one of the riskiest agreements.

    Indexed Universal Life

    This one is relatively new. The main claims were published in 1997. The beliefs are nonetheless term insurance and a cash value element. There is disparity in how the money value is charged. The insurance firm seizes a quantity of the interest it reaps on its portfolio.

    It sells alternatives on an inventory like the sp500. The impression is that you can partake if the call climbs but if the need goes under, you can’t miss your fortune in variable UL. The basis that your wealth isn’t certain in the market is the purpose why your wealth shouldn’t be destroyed.

    The real difficulty with the indexed UL is the outrageous market rescue forecasts that many dealers use. You should never divulge a pattern that exhibits more than 4%, but some are utilizing 6-9%. Those recoveries are mythical and uncertain.

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    Whole Life Insurance

    Whole life is the former of all protection. It’s pushing about 200 in longevity and still going around. The largest disparity is you can occupy a whole life policy. You can expend it. The distinct difference is how the insurance is expended; with each bonus, you occupy more and more of your loss benefit.

    It’s not term safety. It’s the mere strategy that truly isn’t term insurance. The expense of insurance is more valuable than the term, and it’s the tariff you will remember your whole life. It does not give rise to short-term desires. Most whole life agreements are formulated to be occupied in some sense.

    How To Sell Life Insurance?

    How To Sell Life Insurance
    How To Sell Life Insurance

    As an envoy, you comprehend how difficult it is to defend life insurance. It’s not every day that you expect consumers walking beside you inquiring about enrolling in a life insurance program. And if the buyer did so, the probability of them being insurable is tiny or slim to none.

    To be prosperous in this enterprise, you have to labor nights and weekends. You need to be assertive in admitting your customers understand that you sell life insurance. Unfortunately, there is a huge organization of dealers out there that are spoiling the credibility of insurance agents.

    If you are a dealer and you reach a specific juncture where your client is prepared to sign, they hurl a curveball at you and say something like, “I need to think about it.” And then you never hear from them again. It’s not easy to sell life insurance policies.

    They may declare the agreement is too elegant. “Let me talk with my family” is a decent acknowledgment, but it’s usually an excuse not to acquire the agreement. These are the general reasons behind clients not purchasing life insurance:

    • Unaware.
    • Uninformed.
    • Lack of significance.
    • Lack of essential.

    Unware

    Often, there’s no rhyme or explanation as to why people are discussing life insurance. It only occurs if it transpires out of normal discussion. Many moments, clients are just ignorant of what you can equip them with. Make them realize what you propose, why you perform, and what you will achieve.

    You are expected to conclude your objective. Let them understand that you’re here not just telling them about their vehicle insurance or health insurance. You’re here to let them know about about unprecedented events.

    Perhaps there is an economic purpose that they are required to maintain. Whatever it may be, you should make them realize that you raising their consciousness.

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    Uninformed

    So many misunderstandings are out there about life insurance. Clients see life insurance as an expense and that’s just a difficult debate that life insurance agents have to propel against. The only way to dispel the misunderstanding is by inquiring them about their belief on life insurance.

    If they confess that life safety isn’t for them, give them the space to discuss more about their posture on life insurance. You can educate them after you conclude where your prospective clients presently stand.

    Lack Of Value

    Clients may see life insurance from their family standpoint but not for them. So you have to unearth the necessities of your clients.

    It’s asking a hundred questions if you need to discover and comprehend your client’s circumstance. You will be able to suggest a decent life insurance policy for them, and they will see the importance in the agreement. So create value.

    Lack Of Quickness

    Your clients don’t discern that there is an urgency to buy life insurance. No one thinks of a life insurance until a triggering incident occurs. Perhaps a family partner passes off or they’re analyzed with high blood anxiety or something along the lines which could influence their insurability.

    So what is your job as an agent to build that urgency? Let them understand that there is no way a reasonable moment than today than to obtain the policy. Or, at least go through the underwriting method to detect if they are as strong as they stare. You have to make them understand that life insurance is an instrument they need to pay for today.

  • How To Start A Cleaning Business

    A cleaning business is highly profitable and can churn massive money if done right. This post tells you what is to be done for starting a residential/commercial cleaning service.

    Cleaning is a challenging task in most households. It can become tiring and tedious, right from making the bed to tidying up the carpet. The problem is particularly with individuals who work and are too exhausted to take up cleaning at the end of the day.

    Most of us would joyfully hand over the cleaning job to an expert cleaner if given the opportunity.

    This huge demand for proficient cleaning services has led to a meteoric rise in the number of cleaning businesses. As a result, the chance of succeeding in this vertical is quite high provided you establish one correctly.

    Starting a small-scale cleaning business doesn’t require any degree; the knowledge comes on its own as you spend more time running a cleaning service.

    Setting A Budget
    Business Structure
    Taxation Of Your Cleaning Business
    Naming Your Business
    Organizing Your Finances
    Insurance For Your Cleaning Business
    Supplies For Your Cleaning Business
    Rates/Models For Your Cleaning Services
    Marketing For Your Cleaning Services
    Online Marketing For Your Cleaning Business
    Find The Right Customers
    Hiring The Employees

    Setting A Budget

    Budget For Your Cleaning Services
    Budget For Your Cleaning Services

    The budget varies depending on the scale at which you want to start a cleaning business: residential or commercial. Most companies tend to start at the residential level and then transition to a commercial scale once the the systems, employees and a thorough understanding of the optimal cleaning procedures are in place. Companies offering commercial cleaning services at a large-scale are making millions of dollars in revenue every year.

    On the residential side, you’re looking at some basic permits and licensing depending on the state and the entity you want to start your cleaning service in. This could range anywhere from $50-$200 to get going. Basic insurance requirements range from $500/year to $3500/year if you are starting out. It depends on how many employees you have in your company.

    The basic cleaning materials in products could range anywhere around $200-$600 based on how inclusive you want to be, and how much you want to cover right away. Initial advertising expenses would be around $300-$200 for a basic starter. This includes marketing materials like business cards, flyers.

    The entry barrier is pretty low on the residential side of cleaning services. You could be looking at a few thousand dollars to get going depending on how intensive you want to be.

    If you have the cash for add-ons, you can have a customized vehicle (instead of a plain, old van) and what not. Just like any other business, you bring in revenue, grow your business, invest in upgrades, and repeat.


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    Business Structure

    The next step is choosing the right structure for your cleaning business. The two basic business structures common used for a cleaning business are sole proprietorship and LLC. With proprietorship, it’s cheaper and easier to get going. It’s less complicated when it has to do with taxes. Your income and liabilities are tied directly with your venture.

    So if something happens to the company or it’s funds, you will have to bear the consequences. If you go the LLC route, there is a shield around the corporate entity that separates you from the entity. Thus, the company related liabilities are limited for you. The business has a separate bank account and separate income.

    Taxation Of Your Cleaning Business

    Understand how taxes work. The manner in which taxes are filed differs for LLC and sole proprietorship. In LLC, it becomes a bit complicated at the end of the year. You can either do the accounting on your own or hire a professional accountant to take care of the books.

    No matter what, if you’re running a business, having an accountant review your books and the year-end process will save you from headaches. If you have a good CPA (certified public accountant) to help you with the finances of your cleaning business, nothing like it.


    Also read : 62 Business Ideas With Low Investment and High Profit


    Naming Your Business

    Naming Your Business - Cleaning Business
    Naming Your Business

    Owning a business with unique names and tag lines stand out and sound larger than they are. It helps a lot in the long run. In order to find a good name for your business, brainstorm around possible names that reflect your cleaning services’ mission. Look up on the internet if you don’t have anything to start with.

    Come with an initial list of possible business names. After some time, look back at your list and cross out the poor ones. Ask friends and acquaintances to review the remaining names, get some feedback, and then finalize on one name which resonates with your cleaning business’s objectives.

    Organizing Your Finances

    You need to have a business bank account. In order to get a business account while operating a LLC, you need to register for an EIN on the government website. You will also need your articles of incorporation which you will get after setting up the LLC.

    If you have a bank account throughsole proprietorship, it will be under your name like any other bank account. However, it’s important to separate your individual bank account from the business. This way, you will have an easier time tracking expenses, analyzing income, and understanding how the business is functioning.

    Getting a business credit card is important; that way you can get the cash rewards. The next thing is a credit card processor. The easiest one to set up and use is “square” and takes 15 minutes to set up.


    Also read : 34 Best Rural Business Ideas For 2020


    Insurance For Your Cleaning Business

    You don’t need a large insurance plan you are setting up the cleaning business on a residential scale. But getting a bond and basic general liability insurance is essential. A bond is useful if someone pays for a service and doesn’t receive that service.

    A bond is like an assurance to the customers. Some customers like to see that the cleaning businesse they employe provides a bond. This isn’t a requirement in every state. A bond is recommended because it helps in landing in high-paying and picky clients.

    With commercial cleaning business, a higher level of insurance and bond is required.

    How To Start Cleaning Business In India

    Supplies For Your Cleaning Business

    The sky is the limit when it comes to purchasing supplies for your cleaning business. If you have the cash to buy high-end, high-quality materials, then go ahead. If you can’t, no issues! Purchase a few supplies while you start out, but don’t compromise on quality. After all, you will be using these supplies day in and day out. It’s not like the broom in your house which you use you know once a day or once in a week.

    Here is a list of items that you need (at the very least) to get your cleaning business started. The list may be altered depending on the type of cleaning services you offer:

    • A cleaning uniform with pockets.
    • Window cleaner.
    • Paper towels.
    • Clothes.
    • Latex gloves.
    • Duster.
    • Sponge.
    • Scrubbing brushes.
    • Vacuum disinfectants.
    • Sponges and scours.
    • Yellow sisters.
    • Microfiber cloth.
    • Mop.
    • Bucket.
    • Dustbin and brush.
    • Protective gloves.
    • A little plastic caddy to carry supplies.
    • De-greasers.
    • Oven cleaners.
    • Bleach sanitizer.
    • Laundry detergent.

    Do not compromise on the quality if quantity is beyond your budget in the beginning.


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    Rates/Models For Your Cleaning Services

    For residential cleaning services, companies either charge an hourly rate or flat prices depending on the size of the home. Hourly rates are super simple. With an hourly rate, the customers not going to screw around on the price.Hourly rates for residential cleaning ranges anywhere from $40-$100. If you are looking at flat rates, it varies wildly.

    The range depends on the frequency, type of cleaning required, and the size of the home. If it is a one-time cleaning, then bump up the flat rate price by around 35%. If it is an intensive clean, then increase the price by around 80% because of the efforts involved.

    Successful companies take assignments on both residential and commercial scale. In case of commercial cleaning, you either charge on the hourly rate or depending on the square footage. Hourly rates fall anywhere between $40-$100 an hour for basic cleaning services. If you offer deep-clean services, special cleaning, or anything to do with hazardous materials, you could be looking at 50 per cent to 100 per cent more depending on the situation.

    In order to be in the higher end, you need to offer the best cleaning services. And that means delivering the best in value cleaning options, different types of packages, a dedicated customer service to assist clients with any queries before and after the cleaning assignment, and so on.

    The opportunity lies in the art of mastering customer retention. So if you do little thing like leaving a couple of chocolates on the bed, leaving a thank you note on the countertop, these customer service gems help in keeping new clients and work as free advertising at the same time.

    Marketing For Your Cleaning Services

    Marketing Of Your Cleaning Services
    Marketing Of Your Cleaning Services

    The famous one is offline marketing. So many people are spending their money on online advertising and ignoring offline strategies. However, the power of offline marketing is astounding. And how do you execute offline marketing strategies? By completing the cleaning assignments on time with excellent results. Happy clients will play their role through word of mouth publicity.

    Little service gems will give them a reason to talk about your cleaning business. And that is the objective of a successful offline marketing campaign. It is pretty cheap when you compare it to how much it costs for one-click on Google, Yelp or Facebook.

    Another form of offline marketing is flyering. Getting a creative business card and distributing it door-to-door in a decent neighbourhood is essential fir finding new clients.

    To maximize your offline marketing reach, you should get in touch with real estate agents as they can tell you about people who are shifting houses. Moving into a new place means a potential cleaning assignment. Apart from this, target neighborhoods with substantial number of residents. Greater the homes, greater the chance of securing a cleaning job.


    Also read : Understanding Customer Sentiments For Marketing


    Online Marketing For Your Cleaning Business

    There are a few ways to do this. Some are time-consuming but are more effective. Some take less time but are expensive. So a great way to advertise online is with content marketing. Now, it takes a lot of time but if you put in the time, it will be worth the effort.

    Share your cleaning success stories online by writing blog posts/articles and putting up genuine testimonials with rave reviews. You can also add videos for each article. Do you know about common pitfalls when it comes to cleaning one’s home? Share it online! The aim is to rank high for organic searches on Google, Bing and other websites. If some searches for cleaning services in the location you function out of, your business should appear at the top of the search results. On-board SEO experts, content marketers, and writers to increase your ranking. Your digital presence must be strong.

    Positions you as an expert in certain cleaning techniques and sub-domains. If you can clean stains that other cleaning business just can’t get rid off, your customers should know. Like any other business, you need to specialize in something to stand out amongst rival cleaning businesses.

    It allows you to charge a higher price, get better clientele and build business organically online. You can run online ads on Google, Yelp, and Facebook. There are so many people running ads for the exact same thing as you, who are constantly trying to outbid you. The competition is enormous.

    Content marketing isn’t the only way. You can sell DIY materials online so that people can handle minor cleaning hassles on their own. Start a weekly newsletter on cleaning tips and tricks. And use online marketing to expand your geography. Functioning out of a couple of locations won’t bring in much revenue. Create business pages on Facebook, Twitter, and other social media platforms so that people can contact you through various mediums.


    Also read : How to Do Target Market Selection For Your Business


    Find The Right Customers

    You will find that there are certain customers that take up all your time, money, and energy. And it’s hard to make profits out of such people. On the other hand, there is a section of consumers who pay on time, pay more than the other customers, and are cooperative. Focus on this group and build a trustworthy customer base before thinking of expansion.

    Focus on that key demographic that earns you the most money and fire everyone else.

    This goes the same with your employees. Get rid of employees who slack off or those who are dragging down the company. On the other hand, encourage the few people who want to see the business succeed, who do great work. So focus on them and nurture such employees. Make sure they are appreciated and understood.

    Hiring The Employees

    Hiring the right employees is essential to creating a successful cleaning business. If you end up hiring employees and not being a solo enterprise, there’s a lot you need to know on how to hire people, how to take care of them, and how to get rid of the poor ones. So spend a ton of time for finding the best people. Go for those who have some prior experience in the cleaning segment. Hire a few newbies as well so that you can train them to meet the business’s objectives.

    Your employment advertisement should detail everything you want in the employee; say things like, “we’re looking for someone who is available these hours, who is extremely reliable, and is comfortable in being in people’s homes.” Whatever your requirements are, mention them.

    Put the instructions on the application process. Remove any kind of ambiguity. If you plan to take a video call interview, the instructions should outline the conferencing app you will use.

    Vet through the submitted applications carefully. Look for the answers because you will find a lot of people leaving certain sections in the application blank or having a snarky response to some questions. Put those people aside to remove the rotten apples. And then interview the remaining ones to your heart’s contentment.

  • Nandan M. Nilekani- The Aadhaar Man

    Nandan M. Nilekani, is the co-founder of Infosys. He is an Indian entrepreneur, bureaucrat and politician. Nicknamed as ‘Aadhaar Man‘, he was the chairman of the Unique Identification Authority of India (UIDAI). He is the tech magnate, who still has shares in Infosys, has backed Fundamentum, a $100 million venture capital fund aimed at technology companies.

    Read more to know all about this legend.

    Nandan M. Nilekani
    Nandan M. Nilekani

    Biography of Nandan M. Nilekani

    Name Nandan M. Nilekani
    Born On 2 June, 1995
    Nationality Indian
    Spouse Rohini Nilekani
    Profession Non- Executive Chairman of Infosys
    Political Party INC
    Compensation $77,599
    Net Worth $ 200 crores

    Childhood and Education
    Family
    Career
    Books
    Awards and Achievements

    Nandan M. Nilekani- Childhood and Education

    Nilekani was born on 2nd June, 1995 in Bangalore, Karnataka. His family belongs to KonkaniGoud Saraswat Brahmin community which is originally from Sirsi town in Uttara Kannada district of Karnataka.

    He did his schooling from Bishop Cotton Boys’ School and St. Joseph High School Dharwad. Because of his father’s frequent job transfers and subsequent relocation he had to change schools. After that he got his bachelor’s degree in electrical engineering from the Indian Institute of Technology Bombay, Mumbai in 1978.

    His first language is Konkani. In addition to Konkani, he speaks Kannada fluently along with English, Marathi, and Hindi

    Nandan M. Nilekani- Family

    • His father, Mohan Rao Nilekani worked as a general manager of Mysore and Minerva. He had subscribed to Fabina Socialist ideals which influenced Nilekani in his early life.
    • His mother’s name is Durga Nilekani.
    • He also has an elder brother, Vijay Nilekani who works in the Nuclear Energy Institute in the USA.
    • He married to Rohini Nilekani. He meet her at a quizzing event at IIT. He along with his wife Rohini signed the Giving Pledge in November 2017.
    • He wards two children, Nihar and Janhavi, each of whom has received an undergraduate degree from Yale University.
    • His family has a 2.31 percent stake in Infosys as per the quarter ended March 2018.

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    Nandan M. Nilekani- Career

    Infosys

    After completion of his graduation, he joined Patni Computers under N. R. Narayan Murthy.  Three years later, he along with Murthy and 5 others, founded Infosys Technologies Ltd, which went on to became an IT giant in India.

    Nilekani became the chief executive officer of Infosys in March 2002 and served as CEO of the company through April 2007. But Nilekani left Infosys in 2009, to join the UIDAI as the chairman on request of the former Prime Minister, Manmohan Singh.

    But was brought back in 2017 after a boardroom shakeup at the company and the sudden departure of its CEO. After his return he changed power center from California back to its Bengaluru headquarters. During his five-year tenure as CEO, Infosys’ topline grew sixfold to $3 billion.

    Infosys headquaters in Bengaluru
    Infosys headquaters in Bengaluru

    Politics

    Nilekani joined Indian National Congress in March 2014. He contested from the Bangalore South constituency where he lost by 228,575 votes to BJP candidate Ananth Kumar in the 2014 Lok Sabha election.

    He joined a committee to investigate how people in India could use digital payments to a greater extent in December 2016.

    Nandan M. Nilekani- Books

    • Not Just a Civil Servant  1 January- 2019
    • Imagining India: Ideas for the New Century-  2008
    • Rebooting India : Realizing a billion aspirations- 2015

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    Nandan M. Nilekani- Awards and Achievements

    • On 31 May 2011, he was awarded an honorary Doctor of Law degree by the Rotman School of Management at the University of Toronto.
    • In 2011, he received NDTV Indian of the Year’s Transformational Idea of the Year Award.
    • At the Asia Business Leaders Award (2004), he was named Corporate Citizen of the Year organised, by CNBC.
    • He also won Joseph Schumpeter Prize for innovative services in economy, economic sciences and politics in 2005.
    • In 2009,  Nilekani was placed in the Time 100 list of ‘World’s Most Influential People’ in Time magazine.
    • In November 2009, he was presented the ‘Legend in Leadership Award’ by the Yale University . He is the first Indian to receive this top honour.
    • Nilekani became one of the youngest entrepreneurs to join 20 global leaders on the World Economic Forum (WEF) Foundation Board, in January 2006.
    • In 2006, Nilekani was awarded one of India’s highest civilian honours, the Padma Bhushan.
    • Also, he was named Businessman of the Year by Forbes Asia in 2006.
    • He was ranked 12th in India’s 50 most powerful people of 2017 list in India Today magazine.
    • He received the Lifetime Achievement Award from E & Y. CNBC- TV 18 conferred India Business leader award for outstanding contributor to the Indian Economy-2017.
    • In 2017, he received the 22nd Nikkei Asia Prize for Economic & Business Innovation 2017.
    • In 2019, awarded Doctor of Science (Honoris Causa) by IIT Bombay during the Institute’s 57th Convocation.
  • Growth of the Gaming Industry, a Multi-Billion market

    The global gaming market was valued at $ 151.55 billion in 2019 . This industry is expected to reach a value of $ 256.97 billion by 2025. It is expected to register a CAGR of 9.17% over the  period (2020 – 2025).  Gamer’s experience is what all the emerging comapnies are focusing at. Every company is eager to write codes for mobile phones, play station, xbox. All this will be provided to the users incorporated in a single cloud storage.

    Role of Cloud Storage and Gaming

    The market is driven by the emergence of cloud gaming. The idea of cloud gaming has been formed a reality with the advances in technology. The server is the place where all the games are stored , in cloud gaming. All the computation work is done here. The work includes game scene rendering, game logic processing video encoding, and video streaming. Companies like Onlive, G-Cluster, StreamMyGame, Gaikai, and T5-Labs are offering cloud gaming services that are commercial. This new sector seems to be a threat to the idea of traditional

    This idea of cloud computing has prompted video game majors. Companies such as Sega, Ubisoft, Epic Games, Atari, Warner Bros, Disney Interactive studio to partnerships with Onlive. This will be done to distribute their games.

    Startups in Gaming and Industry boost

    The market growth is being propelled by new startups.This sector is seeing considerable activity from new comers.

    Share of Hardware devices used for playing games
    Share of Hardware devices used for playing games

    The outbreak of COVID-19 has given the gaming industry a boost.A survey in March 2020 shows that the  video gamers in the United States  have reported playing 45% more time than usual playing games.The gamers have reported playing more than usual every week amidst the lockdown. Esports is a gaming company that manages to make more than a billion dollars a year.  Twitch’s first time download has seen a rise to  the epidemic in March has risen to 14% in  the U.S.A and a staggering 41% in Italy.


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    Mobile gaming has seen the biggest increase due to the Covid-19 measures all around the globe. Mobile games  are expected to generate revenues of $77.2 billion in 2020.The industry will grow +13.3% this year.
    Reasons for choosing phone over PC:

    • Mobile gaming has the lowest need to entry: A smartphone is owned by more than two – fifths of the global population. Playing on mobile phone gives the added benefit of having free games.
    • Mobile gaming provide an option to PC cafes: The covid-19 situation has seen the closure of many gaming cafes. This forced gamers to move  to phones on a temporary basis.
    • The mobile game developement is a lot easier than PC one : The mobile gaming had no major effects due to this .

    The number of players on mobile phone will rise to 2.6 Billion in 2020. This would  contain 38% who would pay .
    The growth in console marketing has slowed down. It has gone down from what it was in 2018. The expectations for next – gen consoles had its effect on sales of consoles in 2019. Due to this a lot of companies had to adjust their annual sales and savings.

    Gaming scene in India

    Indian mobile marketing has grown over the past few months. Growth of gaming has forced the manufacturers to make a  lot of changes in the normal smartphones. A whole new type of Revolution. Not only the mobile industry but also the gaming industry is going through a revolution. The industry is growing from investments from  players like  Tencent , Nazara and Alibaba.
    The market value of Indian Gaming industry was around 62 Billion INR in 2019. This is expected to rise to 250 Billion INR till 2024. This growth indicates a growth in the number of jobs in  this sector.  By 2022 the strength of employees is expected to become 40 thousand.


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    Value of Gaming Industry in India

    The value of the gaming market in India was around 62 billion Indian rupees in 2019. This is estimated to go up to over 250 billion rupees by 2024. The industry is expected to generate 40 thousand new job opportunities by 2022.
    According to a survey a majority of Indians play a type of game daily. It showed that shooter and sports games were popular among men. The women preferred adventure and strategy games.
    Gaming in India has seen its peaks more in Mobile Gaming. With the availability of cheap and almost free internet mobile has become he best option. The industry is expected to grow a lot in the upcoming years.

    Console Gaming In India

    The market value of console Gaming in India is expected to reach about 291 million USD by 2022. The console gaming market is expected to be about 36.3 percent by 2022. The industry has seen a growth of 35.5 percent since 2016.

    “PS4 sales have doubled in Q1 FY20 (April-June) as compared to Q4 FY19 (January-March). There has been an outstanding 200%+ growth in peripheral sales as well, which indicates an attitudinal shift, making gaming a more inclusive family entertainment option in India. May and June 2020 have witnessed the highest ever sales,” said Prosenjit Ghosh, Head of PlayStation Business, Sony India.