Tag: Insights

  • Top 17 Best Astrology/Horoscope Websites in India

    Do you consider yourself a believer in Horoscopes? Do you believe that the universe and the stars above us have the power to influence us? If yes, you believe in luck so here are the most well-known websites for astrology/horoscope that are the most effective solution. Horoscope websites are designed in a certain manner that informs you about your individual Astrology. It is essential to provide information regarding yourself, which includes the date of birth.

    With the development in technology, researchers have introduced Vedic Astrology. It is believed that Vedic Astrology is based on the technique employed during its Vedic time. There isn’t any significant distinction between the two. But, there are plenty of people who favor traditional methods, while others favor more contemporary methods.

    India is a land of astrology and Vedic science. Albert Einstein said that Astrology is science in itself and contains an illuminating body of knowledge. It has guided many individuals toward success. Once you give in to the practice of astrology, you can remove obstacles on your way and move forward safely.

    It is never advised to follow something blindly. You must research properly before committing to an astrologer or an astrology website. It is a practice that requires trust and admiration.

    Websites that specialize in astrology are able to offer all the tests that an astrologer in person can perform. You cannot be fooled by fraudulent links. That’s why we have made you a complete list of top astrology/horoscope websites in India that you can trust. Here are the popular websites for astrology/horoscopes in India.

    The truth behind Astrology & Mind Reading 

    List of Top 17 Astrology/ Horoscope Sites in India

    1. Astro Sage
    2. Astro Yatra
    3. Astro Speak
    4. TalktoAstro
    5. Ganesha Speaks
    6. Astrodienst
    7. Astro Yogi
    8. Astro Ved
    9. Cyber Astro
    10. Indian Astrology
    11. Astro Talk
    12. Daily Horoscope
    13. Astro Mitra
    14. Astro Sanhita
    15. Astrology
    16. Monk Vyasa
    17. Stars Tell

    Astro Sage

    Website www.astrosage.com
    Services Online Consultation, Astrology Calculators, Tarot Reading, Numerologists, Vastu Experts, and various other services available
    Subscription Model Available

    AstroSage - Best Astrology Website in India
    AstroSage – Best Astrology Website in India

    Astro Sage is a one of the best astrology websites that provides users with a genuine analysis of the astrological cycle. Pundit Punit Pandey was the creator of astrosage.com. The site was launched in 2000 to provide assistance to people who are seeking help.

    A few of the reliable solution providers, Astro Sage is one of the top astrology websites that are located in India, that provides various options and help from trained Astrologers.

    This is the only website that offers Chinese Astrology along with Indian Horoscopes. They are also Vastu experts so you can consult them before building your dream house. It’s interesting to see that one can find his/her ‘Mangal Dosh‘ report on this website. They also provide baby name suggestions.

    Astro Yatra

    Website www.astroyatra.com
    Services Daily Panchang, Astrology Reports, Free Numerology, Palm Reading, Vedic Astrology, Horoscope Predictions, and various other services available
    Subscription Model Available

    AstroYatra - Best Astrology Website in India
    Astro Yatra – Best Astrology Website in India

    Astro Yatra is another of the most reliable sites for astrology within India. Apart from the promise of solutions to any problem, it facilitates live interactions between its customers and expert Astrologers.

    Engaging in a conversation directly with an expert can increase the authenticity and reliability of the customer. On this website, you will also be able to get assistance with the issues that you’re facing in your daily life.

    Astro Yatra takes you on a journey of wisdom. It follows a very traditional concept of teaching astrology like a ‘guru’. You can learn about yourself and your stars with Astro Yatra teachers. They also provide daily horoscopes with all kinds of ‘Dosh Nivarana‘ i.e., ‘Shani Dosh’, ‘Mangal Dosh’, etc. You can find elaborate information about various Hindu festivals like ‘Karva Chauth’ and Deepawali.

    Astro Speak

    Website Astrospeak.com
    Services Numerologists, Tarot Card Readers, Vaastu, Feng Shui, Home Delivery of Prasad after Online Puja, and various other services available
    Subscription Model Available

    Astro Speak - Best Astrology/Horoscope Website in India
    Astro Speak – Best Astrology/Horoscope Website in India

    Astro Speak provides instant information on celestial bodies which are responsible for bringing about changes in our lives. It also assists people who need help with issues they’re facing. Astro Speak lets the user participate in the online puja. It also has a portal to participate in rituals on the internet.

    The Prashad from the puja is delivered to the home once the online puja has been completed. They also consider offering Numerologists, Tarot card readers, Vaastu along with Feng Shui Practitioners. The program is also accessible in Indian languages that are not English.

    TalktoAstro

    Website www.talktoastro.com
    Services Tarot Card Reading, Vaastu Experts, Numerologists, Talk to Astrologer, Astrology Reports, Free Kundali, and various other services available
    Subscription Model Available

    TalktoAstro - Best Astrology Website in India
    Talktoastro – The best Astrology Website in India

    Another unique site in one of the most popular astrology/horoscope websites that are located in India is TalktoAstro. It is among the most affordable websites which offer a variety of options for interactions.

    In addition, you can avail of on-call service manuals along with Astrology related articles for no cost. The service provides a complimentary consultation to clients.

    Ganesha Speaks

    Website www.ganeshaspeaks.com
    Services Free First Consultation, Janampatri, Astrology Reports, Vastu, Tarot, Nakshatra, Daily Horoscopes, and various other services available
    Subscription Model Available

    Ganesha Speaks - Best Astrology Website in India
    Ganesha Speaks – Best Astrology/Horoscope Website in India

    Ganesha Speaks is among the most renowned and trustworthy websites in India. It has been in operation for many years, providing solutions to those seeking assistance. It has many other services aside from Astrology.

    They also discuss the most auspicious day for any event or ritual to begin. They specialize in handmade Janampatris for customers. The site is owned by Mr. Arunbhai Pandit.

    Ganesha Speaks is a well-sought-after website in India. It provides several wise astrologers for you to call or chat with. This website contains e-books, remedies, predictions, and horoscopes. It’s a one-stop shop for someone keenly interested in Astrology. With ‘Janampatris’, ‘Poojas’, ‘Gemstones’, and ‘Rudraksha’ all in one place, you’ve got yourself a haven to find life solutions.

    Astro.com

    Website www.astro.com
    Services Free Horoscopes, Astro Shop, Relationship Horoscope, Psychic Reading, and various other services available
    Subscription Model Available

    AstroDienst - Best Astrology Website in India
    AstroDienst – Best Astrology Website in India

    Astro.com offers all the details about the moon sign, sun sign, and other elements and houses. Not only that, but it also provides the solution needed to be implemented in order to correct any issue for the client.

    They also have astrologers from around the globe to provide the most effective advice and aid in obtaining solutions for various aspects of life.


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    Astro Yogi

    Website www.astroyogi.com
    Services Daily Horoscopes, Free Sun Signs, Tarot Card Reading, Talk to Astrologer, Panchang, Kundli, Numerology, and various other services available
    Subscription Model Available

    Astro Yogi - Best Astrology Website in India
    Astro Yogi – Best Astrology Website in India

    The first thing one is attracted to their site is daily horoscopes. All sun signs are available on the homepage, and anybody can use these at no cost.

    Beyond that, Astro Yogi provides assistance from Numerologists, Tarot Card Readers, expert Horoscope Readers, and Vedic Astrologers.

    At Astroyogi you can watch traditional ‘Panchang’ with all the auspicious and inauspicious occasions of the year. They also provide Tarot card readings and daily, yearly and monthly horoscopes. Astroyogi also contributes to love through match-making and love-related problem-solving. Just for 1 rupee, you can consult astrologers from around the country.

    Astro Ved

    Website www.astroved.com
    Services Free Horoscope Predictions, Free Numerology Report, Talk to Astrologer, Nadi Astrology, Angel Reading, DNA Astrology Reading, and various other services available
    Subscription Model Available

    Astro Ved - Best Astrology Website in India
    Astro Ved – Best Astrology Website in India

    Astro Ved has earned a name such that it is recognized as one of the top websites for astrology in India.

    It is focused on providing top-quality consulting and guidance. They receive assistance from leading astrologers from India. Additionally, they will deliver the results to your doorstep.

    It is one of the most popular astrology websites in India that provides a free daily horoscope with remedies to arising problems. You can also contact them for all kinds of ‘pooja’. They also offer solutions for common life problems like compatibility with your partner, business complications, finance, and love.

    Cyber Astro

    Website www.cyberastro.com
    Services Live Astro Councelling, Vedic Astrology, Numerology, Vastu, Free Horoscope Predictions, Nakshatra Prediction, and various other services available
    Subscription Model Available

    Cyber Astro - Best Astrology Website in India
    Cyber Astro – Best Astrology Website in India

    Cyber Astro originated in the year 1997. Their offerings comprise Vedic Astrology, Astrology online, Indian astrology and Future Prediction through the date of birth, and Indian horoscope.

    It also offers free Vedic up-to-date reports for its users. At present, the site has more than 400 thousand registered users. This is the first site that has received ISO-accredited astrology products and services. They are accessible in 200 countries.

    Indian Astrology

    Website www.indianastrology.com
    Services Dasha Reading, Transit Reading, Lal Kitab Prediction, Numerology, Gem Reading, Talk to Astrologer, and various other services available
    Subscription Model Available

    Indian Astrology - Best Astrology Website in India
    Indian Astrology – Best Astrology Website in India

    Indian Astrology gives information while highlighting Vedic astrology. It is among the most popular sites in the top astrology websites that are based in India. It offers a variety of free features which are available for customers to use.

    Indian Astrology website is known for its help in areas that include finance, health remedies, gemstones, and questions for personal use and business, just like other websites.

    Astro Talk

    Website Astrotalk.com
    Services Talk to Astrologer, Free Kundli, Horoscopes, Panchang, Numerology, Tarot, Vastu Shastra, and various other services available
    Subscription Model Available

    AstroTalk - Best Astrology Website in India
    AstroTalk – Best Astrology Website in India

    This website offers a chat or call option with the astrologer. Along with the daily horoscope, they provide ‘Kundli matching services too. ‘Mahurats’ for marriage can also be known from the website only. It was founded by Puneet Gupta in 2017. His main aim is to provide astrology, an ancient practice in India, all across the globe with a single click. Their chief products include oil for joint pain relief.

    Daily Horoscope

    Website www.dailyhoroscope.com
    Services Daily Horoscope, Zodiac Compatibility, and various other services available
    Subscription Model Available

    Daily Horoscope - Best Astrology Website in India
    Daily Horoscope – Best Astrology Website in India

    The Daily Horoscope supports and promotes love and friendship by calculating the compatibility between two people. They provide weekly and monthly love horoscopes too. They can also tell you about sibling compatibility. Through their free birth chart, you can find out your child’s acting abilities that may determine his behavior. Daily Horoscope believes that the universe has given everyone a mark of their own and they can translate for your betterment.

    Astro Mitra

    Website www.astromitra.com
    Services Astrology Reports, Astro Store, Free Horoscope, Free Vedic Birth Chart Analysis, Online Astrology Consultation, and various other services available
    Subscription Model Available

    Astro Mitra - Best Astrology Website in India
    Astro Mitra – Best Astrology Website in India

    Astro Mitra might just solve all your marriage problems with their effective marriage reports. They analyze birth charts also and give information about planetary position, signs, and behavior. They also provide free horoscopes and astrology reports.


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    Astro Sanhita

    Website Astrosanhita.com
    Services Palm Reading, Numerology, Vastu, Tarot, Talk to Astrologer, and various other services available
    Subscription Model Available

    Astro Sanhita - Best Astrology Website in India
    Astro Sanhita – Best Astrology Website in India

    Astro Sanhita is run by Astrologer Shankar Bhattacharjee, who is also a popular Palmist, Vastu specialist, and Numerologist. He provides consultation on life, love, education, career, marriage, and foreign travel. Awarded as ‘Jyotish Provoker’ by the Indian Institute of Astrology, he provides remedies and tarot services through his website.

    Astrology

    Website www.astrology.com
    Services Horoscopes, Tarot, Compatibility Report, and various other services available
    Subscription Model Available

    Astrology - Best Astrology Website in India
    Astrology – Best Astrology Website in India

    This is your good old astrology website that provides daily horoscopes and tarot readings. On their ‘shop’ page, you can find interesting tarot cards collection like future tarot, career report, tarot of angels, etc. You can also learn the practice of astrology through this website.

    Monk Vyasa

    Website Monkvyasa.com
    Services Online Astrology Consultation, Horoscopes, Numerology, Nakshatra, Vastu, and various other services available
    Subscription Model Available

    Monk Vyasa - Best Astrology Website in India
    Monk Vyasa – Best Astrology Website in India

    Monk Vyasa aims to provide transparent, credible, and trustworthy information about astrology. This is the only website that offers refunds on their services if the customer is not satisfied. This practice aligns well with their aim of transparency.

    Stars Tell

    Website www.starstell.com
    Services Talk to Astrologer, Horoscopes, Free Tarot Reading, Vastu, Handwriting Analysis, Career Forecast, and various other services available
    Subscription Model Available

    Stars Tell - Best Astrology Website in India
    Stars Tell – Best Astrology Website in India

    Stars Tell was founded by Vivek Dhir in 2005. They provide daily horoscope, ‘mantra’ services, ‘pooja’ services, and ‘Vastu consultations’. Astrologers are on board if you want to talk about your problems. Their products include gemstones, ‘rudraksha’, and ‘yantras’.

    Conclusion

    Astrology can guide you to a brilliant future if you use it wisely. Being completely dependent on it is never the solution. Remember, God helps those who help themselves. Other than that, you have these top astrology websites in India for additional support.

    FAQs

    What is astrology?

    Astrology is a belief system that connects the positions and movements of celestial objects to human personality and life events. Astrology uses tools like birth charts and horoscopes to provide insights and predictions about various aspects of life.

    What is the purpose of astrology?

    The goal of astrology was to advise the person of the direction of his life based on the position of the planets and the signs of the zodiacal (the twelve astrological constellations) at the time of his conception or birth.

    Do astrology really works?

    There isn’t an exact solution to the question. It might work in certain instances, and not be effective in others. Astrology is basically a prediction of your future by studying celestial bodies such as the planets and stars, and their motions.

    Which are the best astrology sites in India?

    The best astrology sites in India are:

    • Astro Sage
    • Astro Yatra
    • Astro Speak
    • TalktoAstro
    • Ganesha Speaks
    • Astro.com
    • Astro Yogi
    • Astro Ved
    • Cyber Astro
    • Indian Astrology

    What is a Kundli?

    It is an ancient terminology of “Birth Chart”. Traditionally, Kundli has been used to predict the future of a person or personality. For Kundli making, one requires to give- the date of birth, time, and birth-place of an individual.

    What is meant by Panchang?

    Panchang is a Hindu or Sanatana Dharma calendar and compendium.

    How do I know if an astrology/horoscope website is reliable?

    You can assess the reliability of an astrology/horoscope website by checking the credentials of the astrologers featured on the site, reading user reviews and testimonials, and verifying the accuracy of the site’s predictions and horoscopes over time.

    Are astrology websites in India free to use?

    Many astrology websites in India offer both free and paid services. Free services typically include daily, weekly, and monthly horoscopes, while paid services may include personalized astrology consultations, detailed birth chart analysis, and other premium features.

    Can I trust the predictions and horoscopes on astrology/horoscope websites in India?

    The accuracy of predictions and horoscopes on astrology/horoscope websites can vary, and ultimately, it’s up to each individual to decide whether or not to place trust in astrology as a belief system.

  • Benefits of Startup India Initiative and How Businesses Can Avail Them?

    Every entrepreneur feels like working with a small kid while working on their dream project i.e. their startup idea. They want to get all the facilities in order to grow their startup from a grounded level to a full-fledged company. During this period of growing a startup to a company, every government provides all the needed facilities to a startup required by them.

    Likewise, the Government of India has also started the ‘Startup India Initiative’ on 16th January 2016. Entrepreneurs can avail the benefits of startup India Initiative for starting and growing their businesses.

    About Startup India Initiative by Government of India
    How to Register Under Startup India Initiative
    Benefits of Startup India Initiative by Government of India
    1. Self-certification
    2. Startup India Hub
    3. Simple Process
    4. Patent Protection
    5. Rs.10,000 Crore Startup Fund
    6. National Credit Guarantee Trust Company
    7. No Capital Gains Tax
    8. No Income Tax For Three Years
    9. Tax Exemption for the Investment of Higher Value
    10. Organizing Startup Fests
    11. Innovation Focused Programs for Students
    12. Setting up Incubators
    13. Research Parks
    14. Entrepreneurship in Biotechnology
    15. Dedicated Programmes in Schools
    16. Legal Support
    17. Rebate
    18. Easy Rules
    19. Faster Exits

    FAQs

    All about Startup India Scheme and Registration Benefits

    About Startup India Initiative by Government of India

    Startup India logo
    Startup India logo

    Likewise, the Government of India has also started the ‘Startup India Initiative’ on 16th January 2016, a pioneering initiative intended to support startups and budding entrepreneurs by providing them with the benefits of Startup India. The program primarily focuses on three major areas:

    • Simplification and Handholding.
    • Funding Support and Incentives.
    • Industry-Academia Partnership and Incubation.

    The scheme facilitates the startup to be able to get recognized by the Department for Promotion of Industry and Internal Trade (DPIIT) in order to avail the abundant benefits to start their own business in India.

    How to Register Under Startup India Initiative

    There are three types of companies in India under which various startups get themselves registered:

    • Partnership Firm
    • Limited Liability Partnership Firm (LLP)
    • Private Limited Company

    The firm must fulfil the following eligibility criteria for Registration under Startup India:

    • A company must be registered as a Partnership Firm, Limited Liability Partnership Firm (LLP) or Private Limited Company.
    • The existence period of the company must not be more than 10 years from the date of incorporation.
    • The annual turnover of the company must not exceed Rs.100 crore for any financial year since its incorporation.
    • The entity should not have been formed by splitting up or reconstructing an already existing business.
    • The startup must work towards innovation, development, or improvement of products or processes or services and have an extensible business model with a high potential of wealth creation and employment opportunity.

    Once the startup fulfils the above-mentioned criteria, they are eligible to avail the following Startup India Scheme Benefits by the Government of India.

    Benefits of Startup India Initiative by Government of India

    1. Self-certification

    The startups shall be allowed to self-certify and comply through the Startup mobile app with 9 Labour Laws and 3 Environment Laws to avoid inspection concerning the registration of the firm, building and construction workers, employees’ provident funds, insurance cover and more.

    2. Startup India Hub

    By creating a virtual platform, the government facilitates the entire startup ecosystem to connect and engage with each other, enable knowledge exchange and access to funding.

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    3. Simple Process

    The process of startup registration has become simple with the launch of a mobile app and website. Any firm interested to get registered under Startup India may simply fill the form available at the website and upload the necessary documents. The entire process has become online.

    4. Patent Protection

    Several measures are taken under this scheme to promote awareness and adoption of the Intellectual Property Right (IPR) by the startup offices to aspiring entrepreneurs. This helps in giving protection or security to the entrepreneur as the dream project is now registered in the name of a single entity.

    5. Rs.10,000 Crore Startup Fund

    The Life Insurance Corporation of India plays a major role in developing this corpus to give them great startup India benefits. This helps in giving a cover to the startup and to the entrepreneur by giving the benefit of Rs.10,000 crore fund, depending upon the category and the future growth of a startup.

    6. National Credit Guarantee Trust Company

    The credit guarantees via National Credit Guarantee Trust Company have been planned with a budget of Rs.500 crore per year for the next four years to provide financial support to benefit entrepreneurs.

    7. No Capital Gains Tax

    The exemption shall be given on capital gains if that amount is invested in the Fund of Funds recognized by the Government. This gives an edge to a startup over getting the maximum amount of fundings from their investors, without paying a single penny in the form of tax due to value addition to the startup.

    8. No Income Tax For Three Years

    The entrepreneurs are exempted from paying income tax for the initial three years, as it will help the startups to grow in the future. Hence, the startup would be able to minimize the capital flow towards the government till significant growth is achieved.


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    9. Tax Exemption for the Investment of Higher Value

    Investment of higher value than the market price should be exempted from paying tax. This helps startups to get a funding of bigger amount and that too without any problem as they don’t have to pay tax for it.

    10. Organizing Startup Fests

    Startup fests would be organized at national as well as international stages to provide exposure to budding entrepreneurs. This is just helping in increasing the number of entrepreneurs and successful startups and their businesses in the country.

    11. Innovation Focused Programs for Students

    It is launched to boost innovation and encourage talented youth. This innovation will help in creating new ideas and jobs along with other beneficial services for the citizens of the country.

    12. Setting up Incubators

    Various incubation centers have been build at the National Institute of Technology (NITs) to provide startups with necessary guidance, skill development tips, mentoring sessions, tech support, networking, infrastructure, coworking space and more.


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    13. Research Parks

    The government has set up Research Parks in various Indian institutes of Technology (IITs) with an investment of Rs.100 crore each. The startups can do their research and development work in these research parks.

    14. Entrepreneurship in Biotechnology

    The government will establish various biotechnology offices across the country in order to promote startups in the biotechnology sector.

    15. Dedicated Programmes in Schools

    The government will introduce innovation-related programs for students in school. For this, the government is introducing the subject related to startup and business. This will help in growing the mindset of the students towards the startup that will bring innovative ideas into existence.

    Through Startup India Initiative, Legal Support will be provided for new startup facilities and other official documents will be given. This could be very beneficial for a startup in its initial stages.


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    17. Rebate

    When the startup has to pay too much for tax, rent, or utility then the Startup India scheme provides relaxation by giving a rebate of 80%.

    18. Easy Rules

    Public procurement and rules of trading have been simplified for the startups in the Startup India Programs. The government has simplified all the rules and regulations of any startup which would further ease the movement of the business.

    19. Faster Exits

    If the startup fails again, the government will provide an easy way out. This will help the entrepreneur to get an easy exit without any problem. Hence, makes an easy entry and exit for an entrepreneur for his or her startup.

    FAQs

    What is Startup India?

    Startup India is a pioneering initiative of the Government of India intended to support startups and budding entrepreneurs by focusing on three major areas:

    • Simplification and Handholding.
    • Funding Support and Incentives.
    • Industry-Academia Partnership and Incubation.

    Who is eligible for Startup India Benefits?

    Any company having an annual turnover not exceeding Rs.100 crore for any of the financial years since incorporation/registration.

    Why do startups fail in India?

    The reasons that are responsible for the failure of a startup:

    • Lack of innovation.
    • Lack of funds.
    • Lack of mentor.
    • Lack of focus and legal disputes.
    • Poor customer service and low-quality products.
    • Highly anticipated model against the nature and lifestyle of the target audience.

    What is the best startup business in India?

    Best Startup Businesses in India to start with:

    • Virtual Assistance
    • Freelancing
    • Reviewing Products
    • Affiliate Marketing
    • Graphic Designing
    • Podcast
    • Blog Monetization
    • Online Course Creation
    • Selling Products Online
    • Printing On Demand

    How can I start a startup in India?

    Steps to start a startup in India:

    • Check the feasibility of your idea in the market.
    • Do market research.
    • Keep an eye on your competitors.
    • Have a business plan ready.
    • Look for funds.
    • Register in Startup India Program.

    Do startup companies offer benefits?

    Yes, they do provide benefits like work from home, letters of recommendation, incentives and other perks like free meals and lunch.

    What are the main benefits of working in a startup?

    The main benefits of working in a startup over a corporate job are:

    • Your work will be acknowledged.
    • You’ll be given more responsibilities.
    • You’ll be learning a lot.
    • You’ll have a great experience working with true innovators.
    • You’ll get exposure.
    • Skill development.
    • Perks.

    What are the benefits of Startup India?

    The benefits of Startup India are as follows:

    • Self-certification.
    • Startup India Hub.
    • Simple Process.
    • Patent Protection.
    • Rs.10,000 Crore Startup Fund.
    • National Credit Guarantee Trust Company.
    • No Capital Gains Tax.
    • No Income Tax For Three Years.
    • Tax Exemption for the Investment of Higher Value.
    • Organizing Startup Fests.
    • Innovation Focused Programs for Students.
    • Setting up Incubators.
    • Research Parks.
    • Entrepreneurship in Biotechnology.
    • Dedicated Programmes in Schools.
    • Legal Support.
    • Rebate.
    • Easy Rules.
    • Faster Exits.
  • The Intriguing Psychology Behind the Business Model of Banks

    Nowadays we all have a bank account. This might sound a bit awkward but there are people out there who don’t have one. Try to remember how long did it took to open a bank account? Probably a couple of hours or weeks in some cases.

    Do we know what happens with our money? Nobody knows. Because once you deposit, it’s not yours anymore it becomes the bank’s money. Banks just aggregates all that capital and invests or loans it out. Your account balance is just a number in the bank’s ledger. Whenever you make a transaction, banks instruct the ledger to move to the second person.

    Before I go into detail, let us first look at the brief history of the banking system:

    The dawn of the banking system
    Business model of Banks
    How do Banks earn Revenue?
    How do Banks generate revenue now?
    Current scenario of Banks
    FAQ

    The dawn of the banking system

    Banking may appear complex now, yet it was created to make life easier. Italy was the epicenter of European trade in the 11th century. Merchants from across the continent intended to trade their goods, but there was one concern: there were too many currencies in circulation.

    Merchants in Pisa had to cope with seven distinct types of coins and often exchange their money. The word bank comes from the Italian word “banco,” which means “bench.” This exchange transaction often was conducted outside on benches.

    People were concerned about the perils of going with counterfeit money and the difficulty of getting alone. It was time for a change: home brokers began extending loans to entrepreneurs, and Genovese shoes pioneered cashless transactions. Bank networks were strewn across Europe, extending credit to the church and European rulers.

    Business model of Banks

    When it comes to building a value proposition, banks face a unique challenge since they must encourage clients to trust them with their money while also making them feel like they are getting the best value for their money. Once consumers have invested with a bank, the bank must endeavor to retain them and persuade them to purchase more products.

    Their business model is customer-centric meaning being consistently striven for and develop an excellent reputation for transparency, trust, integrity, and being responsive to customer needs. They offer financial products and advice that is aligned with your financial goals. Their emphasis on corporate governance and CSR initiatives is something to look forward to as their entire business model is based on the services they offer.


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    How do Banks earn Revenue?

    Interest from loans:

    Let’s imagine ten people each put $100 million into a bank. The Reserve Bank of India (RBI) has now imposed two restrictions, namely, SLR and CRR. In essence, the CRR (cash reserve ratio) is a modest percentage (4%) of the entire deposit under RBI’s jurisdiction. The statutory liquidity ratio (SLR) is the proportion (19.5%) of the amount deposited that you keep or invest in liquid assets such as cash, gold, or government securities, among other things.

    The RBI imposes certain restrictions to protect your funds. The remaining 76.5 percent of the entire sum is offered to you as loans. In summary, banks make loans at a rate of 12 percent interest from the 76.5 percent, and those who deposit $100 million will receive a 4 percent return, leaving the bank with an 8 percent profit. This circulation of money is also known as a fractional reserve requirement.

    Interchange fees:

    When you pay for things, let’s take an example of a supermarket like D-mart with a debit or credit card, D-mart receives the money first. A tiny percentage of the proceeds is subsequently distributed to merchant banks, from which D-mart purchased their card swipe machine. The merchant banks keep a portion of the money and then transfer the balance to your account. These are known as interchange fees.

    Service fees:

    It is the fees imposed by banks for services such as locker (for holding gold), NEFT/RTGS, debit/credit card, internet banking, and Demat account.

    Charging fees:

    Low bank balances, lost debit/credit cards reissued, cheque bounces, overdrafts, and transaction fees (if you withdraw 4 or 5 times a month from an ATM) all result in banks charging fees.

    Insurance & Mutual funds:

    Typically, banks sell insurance plans on behalf of firms, such as life insurance, health insurance, and automobile insurance, for a commission. They also distribute mutual funds and are compensated by fund houses.

    Trading in the financial market:

    Most banks, particularly investment banks, are listed on the stock exchange, which provides them with an additional source of revenue. They also profit from foreign currency exchange, which means they buy a currency when the rate falls and sell it when the rate rises. They invest in the bond and commodity markets and profit from them as well.

    Investment advice:

    Investment banks charge high fees for the advice they give to corporations or public institutions when it comes to issuing bonds or shares.

    How do Banks generate revenue now?

    Banks are involved in risk management. People deposit their money in banks and get a nominal interest. This money is taken by the bank and lent out at substantially higher interest rates. It is a calculated risk as some people might default on repayment. This process is critical to our economy because it offers resources for people to purchase items like houses and for businesses to expand and grow. As a result, banks take money that savers aren’t using and turn it into money that society can use.

    The main issue with banks today is that many of them have abandoned their original position as long-term financial product suppliers in favor of short-term rewards that come with far larger risks.

    During the financial boom, most big banks created complex financial structures and conducted their trading to make quick money and reward their executives and traders millions in bonuses.


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    Current scenario of Banks

    Other forms of funding are rapidly gaining traction today. They are:

    New investment banks

    New investment banks charge a yearly fee and do not receive commissions on sales, giving them an incentive to operate in their clients’ best interests.

    Credit union systems

    To avoid credit sharks, credit unions were founded in the nineteenth century as cooperative efforts. In short, they prioritize shared value over profitability. The mission is to assist members in establishing small enterprises, expanding farms, and building family homes while also investing in the community. Their members are in charge, and the board of directors is democratically elected.

    Worldwide Credit unions range in size from a few hundred members to multibillion-dollar corporations with tens of thousands of members. Credit unions’ emphasis on member benefits influences the level of risk they are willing to take, which explains why, despite their difficulties, credit unions fared better than traditional banks during the recent financial crisis.

    Crowdfunding

    Not to mention the recent boom of crowdfunding. Aside from making fantastic video games feasible, platforms evolved that allow people to obtain loans from large groups of smaller investors without having to go into a bank. But it also works in the business world.

    On Kickstarter or Indiegogo, a lot of innovative technology startups emerged. The funding individual gains the joy of being a part of something bigger, and they may invest tonight as they believe in while spreading the risk so evenly that the damage is minimal if the project fails.

    Microcredits

    Last but not least, there are microcredits. In developing countries, many extremely small loans that help people transcend poverty were met with skepticism. People who previously couldn’t receive the funds they needed to establish a business because they weren’t thought to be worth the time. Microcredit lending has grown into a multibillion-dollar industry.

    Final Thoughts

    While banking may not be your cup of tea, the role of banks in providing funds to individuals and businesses is critical to our society and must be carried out.

    That’s all for today, folks.

    FAQ

    What is the main business model of a commercial bank?

    Commercial banks make money by providing and earning interest from loans such as auto loans, business loans, and personal loans.

    How do banks make their money?

    Banks make money from service charges and they also earn money from interest they earn by lending out money to other clients.

    What is the largest source of revenue for banks?

    One of the largest sources of revenue for banks is interest received from customers who take loans.

  • Wildlife Photography In India

    Wildlife Photography is the dream job of a lot of individuals and for good reasons, it has everything one would expect from their dream job. However, as fascinating as it may seem to people from the outside, being a wildlife photographer is not easy in any way, shape or form. Along with having elite photography skills with the camera, one must also have knowledge about different terrains, experience in tracking a certain species and most important of all, an incredible amount of patience to get the perfect shot.  

    Every breathtaking picture of a rare animal we see on social media, magazine covers or posters have days or in some cases, months of effort behind it.

    Today, content related to wildlife photography is available in numerous platforms by various sources. However, this was not the case always.

    History Of Wildlife Photography In India
    Wildlife Photographers In India
    Go To Spots In India For Wildlife Photography
    Is Wildlife Photography In India Sustainable?

    History Of Wildlife Photography In India

    Africa generates the largest tariff on content overall
    India has the highest viewed content relating to Tigers

    Photography came to India in 1840 and in a short amount of time, India became a major go to place for aspiring photographers, due to the monuments and varied culture and the diverse wildlife. But the cameras and other photography equipments during this period were not nearly compatible to generate decent content of wildlife photography. Most animal photos during this time were of stuffed toys, zoos and domestic animals. This remained mostly the same until the 1880s when quick photography emulsions and much quicker shutters were invented, after this, wildlife photography became much easier than before and was picked up by large masses either as a leisure or even profession. This only became more apparent when National Geographic became the first major platform to publish wildlife photos in July 1906.

    Due to being under the colonial rule at this point of time, India was a hotspot for wildlife photography and was up to date with most of the developments in the field.


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    Wildlife Photographers In India

    The year 2020 has been a monumental one for the future of wildlife photography in India as Aishwarya Sridhar, 23, became the first Indian Woman to win the best Wildlife Photographer of the year award for her exceptional work of capturing a picture of the ever elusive and endangered Indian fireflies on the western ghats.

    The picture was captured at an indigenous plum tree where the artistic movement of the fireflies was captured in an almost hypnotizing pattern.

    Some of the other notable wildlife photographers in India with a notable social media following and equally respectable works of photography are, Rathika Ramaswamy, Jayanth Sharma, Sandesh Kadur, Sudhir Shivaram, among many others.


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    Go To Spots In India For Wildlife Photography

    India is undoubtedly one of the best places for wildlife photography, it is impossible to narrow down all the places into a ranked list but some of the standout places are listed as follows:-

    Nagarhole National Park, Karnataka

    This is one of the best spots for tiger spotting in India right apart from the Sunderbans. The park comprises of sandalwood, teak and bamboo groves along with a variety of animal and plant species.

    Mahatma Gandhi Marine National Park, Andaman Islands

    Although not as prominent like the other main stay places, this national park is slowly becoming one of the most prominent places to visit in India.

    Hemis National Park, Jammu and Kashmir

    This national park is always on the visitor list of everyone who visits Jammu and Kashmir and that’s an achievement in itself as Kashmir has world renowned tourist spots.

    Sunderbans, Kolkata

    For as long as the very art of Wildlife Photography has existed, the Sunderbans has been synonymous with it. The spotted deer, crocodiles and the famous Royal Bengal Tiger are the three elements along with the exceptional natural beauty of the place itself that makes Sunderbans the face of wildlife photography in India.

    Satpura National Park, Madhya Pradesh

    This park is home to leopards, exotic birds and the elusive Sloth Bears. Located in the central highlands of Madhya Pradesh, this park is dubbed as Photographer’s Paradise.

    Keoladeo National Park, Rajasthan

    This park is situated between Jaipur and Agra and is home to numerous exotic bird species and plant lifes.

    Is Wildlife Photography In India Sustainable?

    The percentage of the 60k to 1L threshold is likely to increase in 2021
    Approximate Values, taken as an average of reports from various sources

    This is the question which always occupies the top spot of the FAQ section regarding wildlife photography. The average salary of a wildlife photographer in India ranges anywhere between Rs.30000 to 5 Lakhs per month. The salary for beginners in the field is usually lesser than 20000. However with much more attention towards the craft of wild life photography these figures are only going to rise in the future.

    Due to the mainstream presence of Indian Wildlife content on television channels like Nat Geo Wild, Animal Planet and Wild tv along with documentaries on streaming platforms like Netflix and Hotstar, the scope and opportunities for a career in wildlife photography in India looks bright indeed.

    FAQs

    What is the salary of wildlife photographer in India?

    photographer salary in India per month 7,000 – 12,000 depending on the company. But once got enough experience, they can earn like anything between Rs. 30,000 to Rs. 5 lakh a month.

    How to become a wildlife photographer in India or How to be a wildlife photographer in India?

    • Learn Basic Photography
    • Assist Someone
    • Look For Photogenic Environments
    • Start Off With Safe/Basic Species
    • Be Patient
    • Do Research And Carry Necessary Gear

    What education is needed to become a nature Photographer?

    A two or four-year degree in photography should give aspiring wildlife photographers the ability to learn basic as well as advanced photography techniques necessary for a successful career.


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  • Supply Chain of Coffee Business

    For most of us, our morning starts with a nice cup of coffee whether it is at a local stall nearby, a Cafe Coffee Day franchise or just homemade Nescafe, but the story behind any coffee product is a fascinating one indeed. From the harvesting of coffee beans to distribution of coffee packets, the entire process is like a complete journey of something that is a really important part of our daily lives. In order to understand this journey, we need to first understand what a Supply Chain actually is.

    Supply Chain

    Supply Chain is an integrated network between the supplier, distributors, and intermediaries all the way to the final consumer. The length of a supply chain depends upon a number of factors, one of them being the product itself.

    As for Coffee, its Supply Chain consists of several parts which have been summarized as follows.

    A Brief Summary of Supply Chain of Coffee

    Planting- Coffee Seeds are best suited to grow in a humid climate with a temperature of around 23 degrees to 25 degrees Celsius. They are generally planted in a large sheet format with shaded setup to prevent excess sunlight.

    Harvesting

    It takes about 3-4 years for the coffee seed to ripen into a cherry red fruit. These fruits can be picked by hands or machines depending on the firm.

    Processing

    The fruits are further processed by drying them under the sun or by a machine after removing their pulps. After this stage the beans are exported to the desired parties.

    Milling

    The parchment layer of the bean is removed by machines and then further sorted in three sub steps Hulling, Polishing and Sorting.

    Exporting

    These Beans that come out of the Milling process are known as green coffee, these have a higher price than the beans that are exported after the Processing stage.

    Tasting

    Different variants require different tastes and the sorting of the beans after being tasted repeatedly are done on the basis of required quantities. A bulk of the coffee beans is used in sampling, the planting scale is very large.

    Roasting

    This is the process that transforms green coffee into the brown beans that we are familiar with, there are different methods and machines for roasting green coffee. This process is can be done at vendor sites like Starbucks as the roasted beans are better when served fresh.

    Demand For Coffee in India

    Although tea is the much preferred drink in India, the demand for coffee has been rising rapidly in both the rural and urban areas. With coffee chains like CCD, Cothas Coffee and many more being set up all around India with coffee products available for almost every income class, the consumption is likely to rise by more than 2.5% heading into 2021. As of now, the average consumption of coffee per year in India is around 120000 tons.

    Sustainable Supply Chain of Coffee

    A Supply Chain is said to be sustainable if it is operated after taking necessary precautions and measures that prevent damage to the environment and the ecosystem.

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    A sustainable coffee market was established in 1988 under Fair Trade Certified after a sharp decline in the prices, several reforms were made to the existing supply chain and production of coffee.

    Top Brands in India

    Starbucks is expected to take the spot by 2022
    Nescafe is the leader for the last 3 years 

    Nescafe

    It maybe one of the most popular brands in India, it is a main home stay in a lot of households because of its affordability and popularity. It is widely available through different variants and is the most well known to a casual consumer than any other brands.

    Bru

    Although not as popular as Nescafe, Bru has been in the Indian market for a long time and is still preferred by a lot of people.

    CCD

    Café Coffee Day is more popular as a place rather than the product, however it is still a go to place for a lot of working population especially in metro cities. It is a viable alternative to Starbucks.

    Starbucks

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    Speaking of, Starbucks is the undoubtedly the most popular coffee chain in the global market. Although only affordable by the richer people in India it has a well established market with more volume in revenue than any other coffee chain.

    The Future of Coffee Market in India

    Considering the rapid rise of the consumption of coffee it may seem as if there are no challenges, but the picture is not as clear as it may seem.

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    Most of the coffee consuming population comprises of metro and urban population. Furthermore majority of the Indian population lives in rural and sub urban areas where tea is the preferred drink. Furthermore because of coffee being an acquired taste it will be really difficult to break into those markets.

  • All you need to know about Tanishq’s advertisement controversy

    Tanishq, a well-known jewelry brand in India, and a division of the Titan Company, owned by the Tata Group has recently been at the center of an advertisement controversy following vicious trolling on social media and #BoycottTanishq trending on Twitter. The 45-second advertisement video was later pulled off air by Tanishq.

    Following the ruckus over social media, the jewelry brand released a statement, and said that had withdrawn the advertisement, “Keeping in mind the hurt sentiments and well-being of our employees, partners and store staff.”

    What is the controversy all about?

    Ahead of the festive season in the country, Tanishq company released an advertisement featuring a baby shower organised by a Muslim family for their Hindu daughter-in-law. The advertisement portraying interfaith ceremony was targeted by a section of people on social media who called it out to be promoting love jihad. The 45-second advertisement was created to promote the new jewelry line called ‘Ekatvam’.

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    However, the concept and execution of the advertisement received all kinds of reactions from the people. Whereas some opined that the company should have been careful with promoting such sensitive content, on the other hand, some supported the message depicted in the advertisement and said that the company should have stood its ground.


    The advertisement received severe backlash on Twitter and other social media platforms on the grounds that it allegedly promoted ‘fake secularism’ and ‘love jihad’ ( a term used by some people to describe interfaith relationships). Some brand experts also encouraged the company by saying that Tanishq had done some bold job.


    Towards the end of the video, the pregnant woman asks her mother-in-law that organising a baby shower ceremony is not a part of their culture. “Isn’t it a tradition for every home to keep their daughters happy?” the mother-in-law replied.


    Tanishq spokesperson reacting to the uproar over social media said that “The idea behind the Ekatvam campaign is to celebrate the coming together of people from different walks of life, local communities and families during these challenging times and celebrate the beauty of oneness. This film has stimulated divergent and severe reactions, contrary to its very objective.”

    Amid the criticism, Titan Company Ltd shares fell by 2.18% or Rs, 27.35 per share on the BSE, to close at Rs 1,229.75 per share.

    Tanishq Advertisement Campaigns

    In the year 2018, Tanishq launched the #Womenof Gold advertisement campaign which was conceptualised by Lowe Lintas Agency. The advertisement film tells the story of a woman who breaks stereotypes and societal norms. The woman despite being the CEO of a successful company decides to follow her heart and change the course of her life by joining college. She restarts her life and starts learning film making along with teenagers in the college.

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    Tanishq’s ‘Dua Ka Sona’ campaign

    This campaign was launched in 2019 in order to take sincere and proactive measures to support and uplift the lives of its Karigars (workers) and to build an environment-friendly system. Through these campaigns, Tanishq brand highlighted its duty towards society by presenting such path-breaking ideas and the sense of giving back to society.

    The Remarriage Advertisement

    Tanishq and Lowe Lintas’ have collaborated multiple times and resulted in some amazing work over the years. In 2013, The Remarriage Ad was also the most talked-about among the Brands. According to Tanishq, the central idea of the campaign was to highlight the conversation around gender bias, gender inequality, and bashing orthodox norms of the society.

    Such advertisements help in breaking the social stigma around the second marriage and the brand has taken a strong step towards normalizing second marriage. Brand experts also said that the Remarriage Advertisement was a path breaker in the advertising narrative of Tanishq.

    Tanishq Rakshabandhan Campaign

    Tanishq had also come up with a fresh perspective on the festival of Raksha Bandhan in the year 2016. Tanishq’s Rakshabandhan campaign celebrated the bond between sisters and did not restrict itself to celebrating the bond between brothers and sisters. The ad film saw strong traction with 20,000 shares on Facebook.

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    Another advertisement that represented the brand’s USP was when a father urges his daughter to get married and the girl refuses to do so. However, after entering the Tanishq showroom, the girl was mesmerized by the jewelry designs. Over the years, Tanishq has also entangled its customers through regional emotions and highlighting India’s diversity by showing the festivals and weddings of different regions and cultures in India.

    Breaking Stereotypes

    The Tanishq group launched the sub-brand called Mia in 2011 for working women with the insight that 40% of the Indian women are working. Tanishq has been weaving path-breaking stories and communication under the sub-brand since.

    Progressive Approach

    Speaking of path-breaking advertisements, Tanishq had also risen to the occasion of supporting the LGBTQ community after the Supreme Court of India recriminalised homosexuality in 2013. Tanishq created advertisements supporting the community by saying: “Two of a kind always make a beautiful pair.”

    Popular celebrities from Karishma Kapoor to Diya Mirza, Deepika Padukone, Asin, Amitabh Bachchan-Jaya Bachchan, Sridevi to Tisca Chopra and Neena Gupta, Tanishq have advertised for Tanishq.

    On the 20th anniversary of Tanishq in 2017, the brand invited people to share their most memorable moments with the brand. With the help of influencers, Tanishq further asked people to share their Tanishq story using the hashtag #20YearsOfTanishq.

    Thus, Tanishq had always tried to incorporate societal subjects and used the advertising strategies to give back to the society. However, there are times when the advertisement campaigns are surrounded by controversies and are well capable of bouncing back.