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Best Financial Gifts for Father’s Day

Father’s Day is more than just a date on the calendar—it's a chance to express love, gratitude, and admiration for the man who’s played a pivotal role in your life. In today's fast-paced, modern India, emotional gestures and practical support mean a lot. One thoughtful approach? Financial gifts that empower your father’s dreams, ease his responsibilities, or bring him joy. Why Choose Financial Gifts? Benefit Why It Matters Long-Term Value Unlike flowers or sweets, financial gifts grow over time and provide lasting benefits. Shows Thoughtfulness You’re thinking beyond the moment—into his future. Customizable From a ₹500 SIP to a ₹50,000 policy—there’s a financial gift for every budget. Encourages Financial Health Helps fathers invest, save, or reduce burdens like debt. Health Insurance Policy If your father doesn’t have one, this is a lifesaver. Aging comes with rising medical expenses. Gifting a solid health insurance plan shows deep concern for his well-being. Tip: Look for policies with cashless treatment and critical illness riders. Mutual Fund SIP in His Name Start a monthly Systematic Investment Plan (SIP) in equity or hybrid funds. Even a modest ₹1,000 per month can grow significantly over the years. Ideal for: Retired or semi-retired dads who want wealth creation without too much risk. Prepaid Gift Card or Wallet Top-Up For tech-savvy or independent dads, load money into a prepaid card (like Paytm, Amazon Pay, or HDFC GiftPlus) so they can spend it as they wish. Benefits: Offers freedom while maintaining a personal touch. Gold ETF or Digital Gold Instead of physical gold (which comes with making charges), digital gold or ETFs are safer and easier to manage. Bonus: Can be gifted instantly through various online platforms. Contribution to Home Loan EMI If your dad is still paying off a home loan, help him by covering a month’s EMI or part of it. This small gesture can ease a big burden. Tip: Even one-time support can be a big help. Subscription to a Financial Learning Platform Help him upgrade his financial knowledge with a paid subscription to platforms like Zerodha Varsity, Finology, or personal finance YouTubers’ premium content. Ideal for: Dads curious about stocks, budgeting, or financial independence. A Mini Retirement Plan Use tools like PPF (Public Provident Fund) or Senior Citizen Savings Scheme (SCSS) to gift future security. You can contribute on his behalf if he’s a senior citizen. Benefits: These schemes offer safe, fixed returns and peace of mind. Digital Will or Estate Planning Support Though not traditional, helping your father create a digital will or organize his documents is an invaluable act of care and respect. Sensitive, but important: It brings dignity to his planning and reduces future confusion. Customized Budget-Friendly Ideas Budget Gift Option ₹500–₹1000 Prepaid card, Wallet top-up, Mobile recharge ₹1000–₹5000 SIP, Digital gold, Financial app subscription ₹5000–₹20k Health check-up package, EMI support ₹20k+ Health insurance, Retirement investment Key Takeaways Financial gifts offer both emotional value and practical benefits. Even small investments, like SIPs or top-ups, show deep care. Tailor your gift to your dad’s current stage in life and interests. Don’t forget the human touch. Frequently Asked Questions (FAQs) I don’t have much money. Can I still give a financial gift? Yes! Even a ₹500 top-up on a UPI wallet or a ₹1000 SIP is meaningful. The value lies in the gesture. Is it okay to give digital gold instead of physical gold? Absolutely. Digital gold is safer, easier to manage, and just as valuable. Can I help him with his existing debts? Yes. One-time help with a loan EMI or credit card payment is a huge relief and deeply appreciated. Can I club efforts with my siblings for a bigger gift? Yes, and it’s an excellent idea. A pooled gift, like paying off a debt, sponsoring a holiday, or contributing to a health policy, has both emotional and practical impact.

12-06-2025

Summary of Union Budget 2025-26

India's Union Budget for the fiscal year 2025-26, presented by Finance Minister Nirmala Sitharaman, introduces significant reforms aimed at stimulating economic growth, supporting key sectors, and providing relief to taxpayers. Here's a concise overview of the budget's key highlights: Personal Income Tax Reforms Increased Tax Exemption Limit: Individuals earning up to ₹12 lakh annually are now exempt from paying income tax under the new tax regime. For salaried employees, the exemption limit is ₹12.75 lakh, considering a standard deduction of ₹75,000. Revised Tax Brackets: The tax slabs have been restructured to benefit those earning between ₹12 lakh and ₹24 lakh per year, reducing the tax burden on the middle class. Focus on Agriculture Prime Minister Dhan-Dhaanya Krishi Yojana: A new program targeting 100 districts with low productivity to benefit 1.7 crore farmers through enhanced support and resources. Mission for Aatmanirbharta in Pulses: A six-year mission focusing on self-reliance in pulses like Tur, Urad, and Masoor, with procurement support from NAFED and NCCF. Makhana Board in Bihar: Establishment of a dedicated board to improve production, processing, and marketing of makhana, benefiting local farmers. Support for MSMEs and Startups Revised Classification Criteria: Enhancement of investment and turnover limits for MSME classification to 2.5 and 2 times respectively, facilitating growth and access to benefits. Credit Cards for Micro Enterprises: Introduction of customized credit cards with a ₹5 lakh limit for micro enterprises registered on the Udyam portal, aiming to issue 10 lakh cards in the first year. Fund of Funds for Startups: A new fund with a contribution of ₹10,000 crore to support startup growth and innovation. Watch Our Managing Director Jairam Sridharan's Take on Budget 2025-26 Infrastructure and Investment Capital Expenditure: An allocation of ₹11.21 lakh crore (3.1% of GDP) for capital expenditure to boost infrastructure development across the country. Smart Cities and Urban Development: Renewed focus on the Smart Cities initiative to improve urban infrastructure and livability. Fiscal Management Fiscal Deficit Target: The fiscal deficit is estimated at 4.4% of GDP, reflecting the government's commitment to fiscal prudence while supporting economic growth. This budget underscores the government's dedication to fostering economic development, supporting key sectors like agriculture and MSMEs, and providing substantial tax relief to the middle class, thereby enhancing consumption and investment.

10-02-2025

Tips & Advice

National Mission for Edible Oilseeds: India’s Push for Self-Reliance in Pulses

India is one of the largest consumers of edible oils and pulses in the world. However, the country has been dependent on imports to meet its growing demand. To change this, Finance Minister Nirmala Sitharaman recently announced the National Mission for Edible Oilseeds with the goal of achieving Atmanirbharta (self-reliance) in pulses. This mission builds on efforts made in the past decade, which have already led to a 50% increase in cultivated area. By focusing on increasing domestic production, the government aims to reduce reliance on imports and ensure food security for the nation. What is the National Mission for Edible Oilseeds? The National Mission for Edible Oilseeds is a six-year-long initiative launched by the Indian government to boost the production of edible oilseeds. The mission particularly emphasizes increasing the cultivation of tur, urad, and masur dal—which are staple pulses in Indian households. Key Objectives of the Mission Increase Domestic Production – The main goal is to reduce imports and encourage local farmers to grow more edible oilseeds. Ensure Self-Sufficiency – By increasing cultivation, India can become self-reliant in pulses and reduce its dependence on other countries. Support Farmers – The government will provide financial and logistical support to farmers to encourage the large-scale production of these pulses. Ensure Procurement and Price Stability – Central agencies such as NAFED (National Agricultural Cooperative Marketing Federation of India) and NCCF (National Cooperative Consumers’ Federation of India) will procure pulses directly from farmers to ensure fair prices. The Importance of Self-Reliance in Edible Oilseeds Reducing Dependence on India’s edible oil Imports India currently imports a large portion of its edible oil and pulses. High import costs affect the economy, and dependency on other nations can lead to supply issues. With this mission, the country can move towards self-sufficiency, saving valuable foreign exchange. Boosting Farmers’ Income By increasing the production of edible oilseeds, Indian farmers will have more opportunities to sell their crops at competitive prices. With NAFED and NCCF ready to procure pulses over the next four years, farmers will have a reliable market for their produce. Enhancing Food Security Self-reliance in edible oilseeds ensures that India's growing population has a stable supply of essential food items. Any disruption in global trade or import restrictions can be managed effectively with sufficient domestic production. Strengthening the Rural Economy A larger cultivated area for pulses means more employment opportunities for agricultural workers. It will also encourage investment in farming infrastructure, such as irrigation systems, better seeds, and farming equipment. Government Support for the Mission To achieve the mission's objectives, the government has planned several measures: Financial Support for FarmersFarmers will receive subsidies and incentives to grow pulses. They will also have access to quality seeds, fertilizers, and advanced farming techniques. Infrastructure DevelopmentMore warehouses, processing units, and transportation facilities will be set up to support pulse cultivation. Research & DevelopmentThe government will invest in research to develop high-yielding and drought-resistant varieties of edible oilseeds. Marketing and ProcurementAgencies like NAFED and NCCF will ensure that farmers get a fair price for their produce by purchasing directly from them. Impact of the Mission on Indian Agriculture The National Mission for Edible Oilseeds is expected to bring several positive changes: Increase in Cultivation Area – Over the last decade, India has already seen a 50% increase in the cultivated area for pulses. This mission will further boost production. Improved Productivity – With better seeds, modern techniques, and government support, farmers can achieve higher yields. Stabilized Prices – A steady supply of pulses will help in controlling price fluctuations, benefiting both farmers and consumers. Sustainability in Agriculture – Encouraging crop diversification will lead to sustainable farming practices, improving soil health and long-term agricultural productivity. Challenges and the Road Ahead While the mission is a significant step towards self-reliance, there are some challenges that need to be addressed: Climate and Weather Conditions Unpredictable weather patterns, such as droughts and floods, can impact pulse production. Farmers need better irrigation facilities and climate-resilient crop varieties. Awareness and Training Many farmers are unaware of the best farming techniques and available government support. The government must conduct awareness programs and training sessions. Market Accessibility Although procurement agencies like NAFED and NCCF will support farmers, efficient transportation and storage facilities are crucial to ensure smooth market access. Import Competition Imported pulses are often cheaper due to large-scale production in other countries. The Indian government must ensure that domestic pulses remain competitive by offering subsidies and incentives. Conclusion The National Mission for Edible Oilseeds is a crucial step towards achieving Atmanirbharta in pulses. By focusing on urad dal farming and tur dal farming, the government aims to increase production, support farmers, and reduce import dependence. With the right policies, financial backing, and infrastructural support, this mission has the potential to transform India's agricultural landscape. If implemented successfully, it will boost the rural economy, improve food security, and lead India towards self-sufficiency in pulses and edible oils. The mission is not just about agriculture—it is about empowering Indian farmers and securing the nation’s future in food production.

07-02-2025

Tax

New Income Tax Slabs and Rates for FY 2025-26 Explained: What is a new Tax Rebate?

The recent Union Budget has introduced significant changes to India's income tax structure, aiming to provide relief to taxpayers and stimulate economic growth. One of the most notable announcements is the introduction of a tax rebate for individuals earning up to Rs 12 lakh annually. Let's delve into what this means for you. Understanding the New Tax Rebate In the latest budget, the government has proposed a tax rebate under the new tax regime for individuals with an annual income of up to Rs 12 lakh. This means that if your total income does not exceed Rs 12 lakh, you will not be liable to pay any income tax. For salaried individuals, considering the standard deduction of Rs 75,000, this limit effectively increases to Rs 12.75 lakh. New Income Tax Slabs in India for Salaried Employees The budget also introduced changes to the income tax slabs under the new tax regime. The updated tax rates are as follows: Income up to Rs 4 lakh: Nil Income from Rs 4 lakh to Rs 8 lakh: 5% Income from Rs 8 lakh to Rs 12 lakh: 10% Income from Rs 12 lakh to Rs 16 lakh: 15% Income from Rs 16 lakh to Rs 20 lakh: 20% Income from Rs 20 lakh to Rs 24 lakh: 25% Income above Rs 24 lakh: 30% These revised slabs aim to simplify the tax structure and provide relief to middle-class taxpayers. Impact on Taxpayers Earning Slightly Above Rs 12 Lakh If your income marginally exceeds Rs 12 lakh, you might be concerned about a sudden increase in tax liability. To address this, the concept of "marginal relief" has been introduced. Marginal relief ensures that the additional tax payable does not exceed the amount by which your income surpasses Rs 12 lakh. For instance, if your income is Rs 12.10 lakh, the tax calculated might be Rs 61,500. However, with marginal relief, you would only pay tax on the Rs 10,000 that exceeds the Rs 12 lakh threshold, resulting in a tax of Rs 10,000. Benefits for the Middle Class The introduction of this rebate and the restructuring of tax slabs are significant steps toward increasing the disposable income of middle-class families. With more money in hand, individuals can boost consumption, save, or invest, thereby contributing to economic growth. This move is expected to stimulate demand across various sectors, including consumer goods, automobiles, and real estate. Tax Savings Under the New 2025 Tax Regime With the revised tax slabs in FY 2025-26, many taxpayers will enjoy significant savings compared to the FY 2024-25 regime. The increase in the basic exemption limit, adjustments in tax slabs, and a higher rebate threshold contribute to a lower tax burden, especially for middle and upper-middle-income individuals. Tax Savings Comparison: FY 2024-25 vs. FY 2025-26 Annual Income (₹) Tax Payable (FY 2024-25) Tax Payable (FY 2025-26) Tax Savings (₹) 4,00,000 ₹5,000 ₹0 ₹5,000 7,00,000 ₹25,000 ₹0 ₹25,000 10,00,000 ₹75,000 ₹40,000 ₹35,000 15,00,000 ₹1,87,500 ₹1,40,000 ₹47,500 20,00,000 ₹3,00,000 ₹2,40,000 ₹60,000 25,00,000 ₹5,25,000 ₹4,50,000 ₹75,000 Conclusion The recent changes in the income tax structure, especially the rebate for incomes up to Rs 12 lakh, are designed to provide substantial relief to taxpayers. By understanding these new provisions, you can better plan your finances and take full advantage of the benefits offered. FAQs What is the new tax rebate announced in the budget? The government has introduced a tax rebate for individuals with an annual income of up to Rs 12 lakh under the new tax regime, effectively making their tax liability zero. Does the rebate apply to both salaried and non-salaried individuals? Yes, the rebate applies to all individuals, but salaried individuals can benefit from an additional standard deduction of Rs 75,000, effectively increasing the tax-free income limit to Rs 12.75 lakh. What happens if my income exceeds Rs 12 lakh by a small amount? If your income slightly exceeds Rs 12 lakh, marginal relief ensures that the additional tax payable does not exceed the amount by which your income surpasses Rs 12 lakh. Are the new tax slabs applicable under both the old and new tax regimes? The revised tax slabs are applicable under the new tax regime. The old tax regime continues with its existing slabs and allows for various exemptions and deductions. How will these changes impact the economy? By increasing the disposable income of middle-class individuals, the government aims to boost consumption and stimulate economic growth across various sectors.

07-02-2025

Tips & Advice

Budget 2025-26 Announces Makhana Board in Bihar

In the Union Budget 2025-26, Finance Minister Nirmala Sitharaman announced the establishment of a Makhana Board in Bihar, aiming to enhance the production, processing, and marketing of makhana, also known as fox nuts. This initiative is expected to provide a significant boost to Bihar's economy and the livelihoods of its farmers. Understanding Makhana and Its Importance Makhana, derived from the seeds of the Euryale ferox plant, is a traditional aquatic crop predominantly cultivated in Bihar, which accounts for approximately 90% of India's production. Known for its nutritional value, makhana is rich in proteins, antioxidants, and minerals, making it a popular choice among health-conscious consumers. Its versatility allows it to be used in various culinary applications, from snacks to desserts. The Rationale Behind the Makhana Board Despite its nutritional benefits and growing demand, the makhana industry faces several challenges: Fragmented Production: Cultivation is often carried out by small-scale farmers lacking access to advanced makhana farming techniques. Processing Inefficiencies: Traditional processing methods are labour-intensive and time-consuming, leading to inconsistent quality. Market Access: Limited access to broader markets restricts farmers' ability to obtain fair prices for their produce. The establishment of the Makhana Board aims to address these challenges by providing structured support to the industry. Objectives of the Makhana Board The Makhana Board is envisioned to function similarly to existing boards for commodities like tea and coffee. Its primary objectives include: Enhancing Production: Implementing modern agricultural practices to increase yield and ensure sustainability. Improving Processing Techniques: Introducing advanced processing technologies to maintain quality and reduce labor intensity. Market Expansion: Facilitating access to national and international markets through branding and promotional activities. Farmer Support and Training: Organizing farmers into cooperatives and providing training programs to enhance skills and knowledge. Anticipated Benefits for Bihar The establishment of the Makhana Board is expected to yield several benefits for Bihar: Economic Growth: By streamlining the makhana supply chain, farmers can achieve better productivity and profitability, contributing to the state's economic development. Employment Opportunities: Improved processing and marketing efforts can create jobs in related sectors, including packaging, transportation, and retail. Rural Development: Empowering farmers with knowledge and resources can lead to overall rural development, improving living standards in farming communities. Challenges and Considerations While the Makhana Board presents significant opportunities, its success will depend on addressing potential challenges: Implementation Efficiency: Ensuring that initiatives are effectively executed at the grassroots level. Farmer Participation: Encouraging widespread adoption of new practices among farmers who may be resistant to change. Sustainable Practices: Balancing increased production with environmental sustainability to preserve aquatic ecosystems. Conclusion The announcement of the Makhana Board in the Union Budget 2025-26 signifies a strategic move to bolster Bihar's agricultural sector and enhance the livelihoods of its farmers. By focusing on production, processing, and market expansion, the board aims to unlock the full potential of the makhana industry, positioning it as a key contributor to the state's economic prosperity.

07-02-2025

Tips & Advice

Union Budget 2025-26: A Milestone for Gender Budgeting & Women-Led Development

The Union Budget 2025-26 marks a significant milestone as India celebrates two decades of gender budgeting. Finance Minister Nirmala Sitharaman's address emphasized a vision that places women at the heart of the nation's growth trajectory, aligning with the broader goal of Viksit Bharat by 2047, with 'women-led development' as a cornerstone. A notable target set in this budget is the integration of 50% of women into the workforce. This article delves into the budget's allocations and initiatives, assessing their potential impact on women's empowerment and evaluating India's progress toward its gender goals. Understanding Gender Budgeting in India Gender budgeting is a fiscal approach that integrates gender perspectives into budgetary processes, ensuring that public funds are allocated in a manner that addresses the specific needs of women and promotes gender equality. India adopted gender budgeting in 2005-06 with the publication of the Gender Budget Statement (GBS), which presents budget allocations and public expenditure aimed at gender equality and women's empowerment. Over the years, this practice has evolved, with various ministries and states adopting gender-responsive budgeting to address disparities and promote inclusive growth. Challenges in Achieving 50% Female Workforce Integration Despite targeted interventions, significant barriers hinder workforce participation: Workplace Discrimination: Women face biases in hiring, promotions, and pay scales, with an average gender pay gap of 34%. Lack of Childcare Support: Limited affordable childcare options force women into career breaks. Safety Concerns: Fear of harassment restricts women’s job choices and working hours. Key Highlights of the Gender Budget 2025-26 The Gender Budget for FY 2025-26 has seen a substantial increase, with total allocations reaching ₹4.49 lakh crore, marking a 37% rise from the previous fiscal year. This significant boost underscores the government's commitment to advancing gender equality and empowering women across various sectors. Major Initiatives and Allocations Support for Women Entrepreneurs A notable initiative in this year's budget is the provision of term loans up to ₹2 crore for first-time entrepreneurs, including women, over the next five years. This move aims to foster entrepreneurship among women, providing them with the necessary financial support to start and scale their businesses. Employment Generation Programs The Female Labor Force Participation Rate (FLFPR) has shown a slight increase to 41.7% in 2023-24. To further boost women's participation in the workforce, the budget continues to support initiatives like the Pradhan Mantri Employment Generation Programme (PMEGP). However, it's noteworthy that the funding for PMEGP has decreased from ₹1,012.50 crore in 2024-25 to ₹862.50 crore in 2025-26, which may impact the program's effectiveness in promoting women's employment. Rural Employment Schemes The Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS), which has been instrumental in providing employment opportunities to women in rural areas, received an allocation of ₹40,000 crore, an increase from ₹37,654 crore in 2024-25. Notably, women account for 57.8% of person-days worked under this scheme, highlighting its significance in supporting rural women's livelihoods. Sectoral Allocations Benefiting Women The budget has also earmarked funds for various sectors that directly or indirectly contribute to women's empowerment: Sector Allocation (₹ Crore) Impact on Women Education 1,28,650 Investments in education aim to enhance female literacy rates and promote higher education among women, thereby improving their employment prospects and socio-economic status. Health and Family Welfare 99,858 Increased funding in healthcare services is expected to improve maternal health, reduce infant mortality rates, and provide better access to healthcare facilities for women. Rural Development 1,90,405 Programs under rural development focus on improving infrastructure and livelihood opportunities in rural areas, benefiting women through better access to resources and employment. Micro, Small, and Medium Enterprises 23,168 Support for MSMEs includes initiatives to promote women-led enterprises, providing financial assistance and skill development programs to encourage women's participation in the entrepreneurial ecosystem. Women and Child Development 26,889 Direct allocations aim to support various schemes focused on women's safety, nutrition, and overall development, addressing issues like malnutrition, gender-based violence, and economic empowerment. These allocations reflect a comprehensive approach to addressing the multifaceted challenges faced by women and aim to create an enabling environment for their empowerment. State-Wise Allocation and Initiatives Kerala: Kudumbashree Mission for women’s entrepreneurship. Rajasthan: Rajshree Scheme encouraging girl child education. Tamil Nadu: Amma Maternity Nutrition Kit for maternal health. Government Schemes Performance Analysis Beti Bachao Beti Padhao (BBBP) Aimed at preventing gender-biased sex selection and promoting education. Success in awareness-building but criticized for underutilization of funds. MUDRA Loans for Women 68% of total MUDRA loans have been disbursed to women entrepreneurs. However, most businesses remain small-scale due to a lack of mentorship and market access. Skill India Mission Enrolled a significant number of women, but job placement rates post-training remain low due to market demand mismatches. Challenges and Areas for Improvement Despite the increased allocations and initiatives, several challenges persist: Declining Funding for Key Programs: The reduction in funding for PMEGP may hinder efforts to promote women's entrepreneurship and employment. Implementation Gaps: Effective implementation of schemes remains a concern, with bureaucratic hurdles and lack of awareness among beneficiaries limiting the reach and impact of programs. Need for Data-Driven Policies: There is a pressing need for robust gender-disaggregated data to inform policy decisions and ensure that interventions are targeted and effective. Conclusion The Union Budget 2025-26 demonstrates a strong commitment to women's empowerment through increased allocations and targeted initiatives. However, to achieve the ambitious goal of integrating 50% of women into the workforce and realizing the vision of women-led development, it is crucial to address existing challenges, ensure effective implementation of schemes, and adopt a data-driven approach to policymaking. Continuous monitoring and evaluation, along with active participation from all stakeholders, will be key to translating budgetary commitments into tangible outcomes for women's empowerment in India.

07-02-2025

Personal Finance

iPhone 16 vs. iPhone 15: Key Differences

The iPhone 16 series has arrived with new features and upgrades, but how does it compare to the iPhone 15? Here's a simple comparison to help you decide which model suits your needs. 1. Performance iPhone 16 Performance iPhone 15 Performance Powered by the A18 chip, offering faster speeds, better efficiency, and support for ray tracing in games. It features the A16 Bionic chip, which is still powerful but less capable of handling the latest AI features and high-end graphics. Verdict: The iPhone 16 is ideal for those who prioritize gaming or want the latest performance boost. 2. Display iPhone 16 Display iPhone 15 Display 6.1-inch Super Retina XDR OLED display. (6.3 inches for Pro and 6.9 inches for Pro Max) 6.1-inch Super Retina XDR OLED display. Verdict: If screen size matters, the Pro models of the iPhone 16 series offer a noticeable upgrade. 3. Camera iPhone 16 Camera iPhone 15 Camera Includes a new Camera Control button, better zoom capabilities (5x on Pro models), and improved macro photography. Features a similar 48MP main camera but lacks the dedicated Camera Control button and macro improvements. Verdict: Photography enthusiasts will appreciate the enhancements in the iPhone 16, especially on Pro models. 4. AI Features iPhone 16 AI Features iPhone 15 AI Features Runs Apple Intelligence, introducing smarter Siri, real-time transcription, and advanced photo search features. Does not support these AI capabilities. Verdict: The iPhone 16 is better for those who want cutting-edge AI features. 5. Battery and Charging iPhone 16 Battery iPhone 15 Battery Slightly better battery life and supports faster 25W MagSafe charging. Decent battery life but limited to 15W MagSafe charging. Verdict: The iPhone 16 provides longer-lasting usage and faster charging, especially for Pro Max users. 6. Buttons and Design iPhone 16 Buttons and Design iPhone 15 Buttons and Design Introduces the customizable Action button and the Camera Control button for improved functionality. Features a Dynamic Island but lacks these new buttons. Verdict: The iPhone 16 brings more utility with its redesigned buttons. 7. Price in India iPhone 16 Price in India iPhone 15 Price in India Higher price due to new features, starting at around ₹79,900 (Apple Website). Available at discounted rates, making it a budget-friendly option. Approx. ₹60,000+ Conclusion Choose iPhone 16: If you want the latest technology, better cameras, and AI features. Choose iPhone 15: If you want a capable phone at a lower price.

22-11-2024

Personal Finance

iPhone 16 vs. iPhone 16 Pro: Which One Is Right for You?

The iPhone 16 and iPhone 16 Pro bring notable upgrades over previous generations, but they cater to different audiences based on performance, camera features, and price. Key Differences: 1. Design and Display iPhone 16: Retains a 6.1-inch screen with a 60Hz refresh rate, making it similar in size to previous models. It features improved durability with second-generation Ceramic Shield glass but lacks the high refresh rate in Pro models. iPhone 16 Pro: This model offers a larger 6.3-inch display (up from 6.1 inches in the Pro line) with a 120Hz refresh rate for smoother animations and interactions. It also boasts a titanium frame for a lighter and more premium build. 2. Performance iPhone 16: Powered by the A18 chip, which improves efficiency and supports features like enhanced camera capabilities. iPhone 16 Pro: Uses the A18 Pro chip, built on advanced 3nm technology, providing higher performance for demanding tasks such as gaming or professional video editing. 3. Camera iPhone 16: It has a 48MP main camera and a 12MP ultrawide camera. It supports a 2x telephoto zoom, which can be achieved by cropping the sensor, but it lacks dedicated optical zoom hardware. iPhone 16 Pro: Features a triple-camera setup, including a 5x optical zoom via a periscope lens and a new sensor to reduce shutter lag. It also supports 4K recording at 120fps for high-quality video. 4. Battery and Charging Both models support MagSafe, but the iPhone 16 Pro offers better battery life and faster USB-C file transfer speeds with support for USB 3.0. The standard iPhone 16 retains USB 2.0 speed. 5. Pricing and Features Guide: iPhone 16 Variant Price Key Features iPhone 16 (128 GB, 256 GB, 512 GB) ₹79,900, ₹89,900, ₹109,900 Display: 6.1 inches Super Retina display Ram: 8GB Main Camera: Dual - 48 MP (wide), 12 MP (ultrawide) Selfie Camera: 12 MP (depth/biometrics sensor) Battery: Li-Ion 3561, non-removable, 50% in 30 mins Colors: Black, White, Pink, Teal, Ultramarine CPU: Hexa-core GPU: 5-core Apple GPU OS: iOS 18.1 iPhone 16 Pro (128 GB, 256 GB, 512 GB, 1TB) ₹119,900 ₹129,900 ₹149,900 ₹169,900 Display: 6.3 inches LTPO Super Retina XDR OLED display Ram: 8GB Main Camera: Triple - 48 MP (wide), 12 MP (ultrawide), 12 MP (telephoto) Selfie Camera: 12 MP (depth/biometrics sensor) Battery: Li-Ion 3582, non-removable, 50% in 30 mins Colors: Black Titanium, White Titanium, Natural Titanium, Desert Titanium CPU: Hexa-core GPU: 6-core Apple GPU OS: iOS 18.1 Conclusion: The iPhone 16 is ideal for users seeking a solid device with reliable performance, and strong camera features at a reasonable price. Meanwhile, the iPhone 16 Pro is better suited for those prioritizing advanced photography, display quality, and performance for professional or creative tasks.

22-11-2024

Personal Loan

What’s New in the iPhone 16 Series?

The iPhone 16 series introduces various updates that enhance functionality and design. From smarter AI features to improved camera capabilities and larger displays, these upgrades focus on delivering better performance and user experience. Here's a detailed look at what's new in the iPhone 16 lineup. Smarter with Apple Intelligence All iPhone 16 models feature Apple’s latest AI technology, which brings: Improved Siri Functionality: Faster and more accurate responses to commands. Real-Time Audio Transcription: Converts speech into text seamlessly, ideal for note-taking. Advanced Writing Assistance: Helps with writing tasks, including emails and messages. Bigger Displays for a Better View The Pro models now come with larger displays: iPhone 16 Pro: Features a 6.3-inch screen, up from the previous 6.1 inches. iPhone 16 Pro Max: Sports a 6.9-inch display, up from 6.7 inches. The larger screens provide more space for viewing content, multitasking, and gaming. Fresh Colour Options The iPhone 16 lineup includes updated colour choices: Standard Models: Ultramarine, Teal, Pink, White, and Black. Pro Models: New titanium finishes, including the unique “Dessert Titanium” option. Enhanced Button Features Apple has redesigned some buttons for added versatility: Action Button: This button replaces the mute switch on the iPhone 16 and 16 Plus. It is customizable and can be set up for different tasks, like launching apps or activating shortcuts. Camera Control Button: Makes adjusting camera settings quicker and easier. Camera Improvements The cameras in the iPhone 16 series come with several enhancements: 48MP Main Camera with Deep Fusion: Offers sharper, more detailed photos. 12MP Ultrawide Lens: Enables macro photography and wide-angle shots. 5x Telephoto Zoom (Pro Models): Allows for higher-quality zoomed-in shots. These upgrades aim to provide more options for photographers, from casual users to professionals. New Chips for Better Performance Advanced chips power the iPhone 16 series: A18 Chip: Found in the standard models, improving speed and efficiency. A18 Pro Chip: Equipped in the Pro models with an additional graphics core for demanding tasks. These chips improve overall performance while optimizing battery life. Creative Tools for Photos and Videos The iPhone 16 lineup introduces new creative options: Photographic Styles: Updated to give more control over photo aesthetics while keeping natural tones. Audio Mix: Allows users to adjust audio focus in videos during editing, providing greater flexibility for creators. iPhone 16 Series Pricing & More Details iPhone 16 Variant Price Key Features iPhone 16 (128 GB, 256 GB, 512 GB) ₹69,900, ₹79,900, ₹99,900 Display: 6.1 inches Super Retina display Ram: 8GB Main Camera: Dual - 48 MP (wide), 12 MP (ultrawide) Selfie Camera: 12 MP (depth/biometrics sensor) Battery: Li-Ion 3561, non-removable, 50% in 30 mins Colours: Black, White, Pink, Teal, Ultramarine CPU: Hexa-core GPU: 5-core Apple GPU OS: iOS 18.1 iPhone 16 Plus (128 GB, 256 GB, 512 GB) ₹89,900, ₹99,900, ₹119,900 Display: 6.7 inches Super Retina display Ram: 8GB Main Camera: Dual - 48 MP (wide), 12 MP (ultrawide) Selfie Camera: 12 MP (depth/biometrics sensor) Battery: Li-Ion 4674, non-removable, 50% in 30 mins Colours: Black, White, Pink, Teal, Ultramarine CPU: Hexa-core GPU: 5-core Apple GPU OS: iOS 18.1 iPhone 16 Pro (128 GB, 256 GB, 512 GB, 1TB) ₹119,900 ₹129,900 ₹149,900 ₹169,900 Display: 6.3 inches LTPO Super Retina XDR OLED display Ram: 8GB Main Camera: Triple - 48 MP (wide), 12 MP (ultrawide), 12 MP (telephoto) Selfie Camera: 12 MP (depth/biometrics sensor) Battery: Li-Ion 3582, non-removable, 50% in 30 mins Colours: Black Titanium, White Titanium, Natural Titanium, Desert Titanium CPU: Hexa-core GPU: 6-core Apple GPU OS: iOS 18.1 iPhone 16 Pro Max (256 GB, 512 GB, 1TB) ₹144,900 ₹164,900 ₹184,900 Display: 6.9 inches LTPO Super Retina XDR OLED display Ram: 8GB Main Camera: Triple - 48 MP (wide), 12 MP (ultrawide), 12 MP (telephoto) Selfie Camera: 12 MP (depth/biometrics sensor) Battery: Li-Ion 4685, non-removable, 50% in 30 mins Colours: Black Titanium, White Titanium, Natural Titanium, Desert Titanium CPU: Hexa-core GPU: 6-core Apple GPU OS: iOS 18.1 Final Thoughts The iPhone 16 series introduces significant upgrades in hardware and software, focusing on larger displays, enhanced AI, and improved photography tools. These updates aim to deliver a more seamless and versatile smartphone experience for a wide range of users.

22-11-2024

Guide

Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA Scheme) Empowering Rural India

Securing economic stability is paramount in India, where a substantial segment of the population resides in rural regions. The inception of the National Rural Employment Guarantee Act (NREGA) in 2005 underscores the government's dedication to uplifting rural communities. This welfare initiative ensures that every rural household willing to engage in unskilled manual labor receives a minimum of 100 days of wage employment annually. From NREGA to MGNREGA: A Legacy The NREGA scheme, initially enacted in 2005, was renamed Mahatma Gandhi National Rural Employment Guarantee Act or MGNREGA in 2006 to honour Mahatma Gandhi, the father of the Indian independence movement. Since its inception, MGNREGA has evolved into the world's most extensive workfare program, striving to bridge the gap between unemployment and poverty in rural India. The Core of MGNREGA: Employment and Livelihood At the heart of the Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) lies the principle of providing guaranteed employment to rural households. Individuals aged 18 and above can register with their local Gram Panchayat (village council) to obtain an NREGA Job Card. This card is an identity document and facilitates applying for work under the scheme. MGNREGA offers various activities, including agricultural and allied activities, rural sanitation projects, water resource management, and rural infrastructure development. MGNREGA empowers individuals to earn and improve their household income with diverse work options. Beyond Employment: Empowering Women and Marginalized Communities The Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) promotes social inclusion by ensuring equal opportunities for women and members of Scheduled Castes (SC) and Scheduled Tribes (ST). This not only provides them with a source of income but also challenges traditional gender roles and empowers them to participate actively in the workforce. Transparency and Accountability: The Pillars of MGNREGA MGNREGA prioritizes transparency and accountability to ensure fair implementation. Job seekers have the right to demand work within 15 days of registration. Wages must be paid within 15 days of completing the work, typically through Direct Bank Transfers (DBTs). This ensures timely payments and fosters financial inclusion by encouraging rural citizens to open bank accounts. Additionally, the scheme guarantees unemployment allowance if the promised 100 days of work are not provided. Technology and Social Audit: Tools for Effective Implementation The Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) leverages technology for efficient management. A dedicated mobile application allows registered users to access information about available work and track their wage payments. Furthermore, social audits are conducted to ensure transparency and address grievances related to work allocation, wage payments, and project implementation. Impact of MGNREGA: A Beacon of Hope MGNREGA's impact on rural India has been significant. It has provided a safety net for millions of households, alleviating poverty and fostering economic security. The scheme has also contributed to rural infrastructure development, creating valuable assets like roads, irrigation canals, and wells. Additionally, the MGNREGA scheme empowers women and marginalized communities, promoting social inclusion and reducing inequality. Challenges and Looking Ahead Despite its success, MGNREGA faces challenges. Ensuring timely wage payments, proper work allocation, and effective grievance redressal mechanisms remain ongoing priorities. Additionally, fluctuations in funding and creating sustainable employment opportunities require continuing attention. In conclusion, MGNREGA is a landmark social security program in India. By guaranteeing employment, promoting social inclusion, and fostering rural development, it empowers millions of rural households and paves the way for a brighter future. As the scheme evolves, addressing existing challenges and exploring innovative approaches will be crucial in ensuring its continued success.

05-08-2024

Vastu Significance and Placement of Cow and Calf Statue in Home

Vastu Significance and Placement of Cow and Calf Statue in Home Summary The Kamdhenu cow and calf statue holds immense Vastu importance and is considered a symbol of prosperity, fertility, and spiritual peace. Placing it correctly—usually in your home’s North-East, North, or East—is believed to attract positive energy and help fulfill your wishes. This revered idol, central to Hindu tradition, beautifully represents abundance, well-being, and harmony. Understanding the Vastu significance and placement of the Cow and Calf statue in your home can truly bring peace and fortune into your life. Key Takeaways Kamdhenu represents wealth, health, and spiritual growth. The North-East direction is the most auspicious placement. Avoid bedrooms or untidy corners. Silver or white marble statues are considered especially lucky. Table of Contents Kamdhenu: Our Divine Cow, a Symbol of Blessings Every Part Tells a Story Where to Place Your Kamdhenu for Best Results: A Vastu Guide The Right Spot: Directions That Matter Best Rooms for Your Kamdhenu Where Not to Keep Her (and Why) Picking the Perfect Material Quick Tips: Do’s and Don’ts for Your Kamdhenu Final Thoughts Frequently Asked Questions Kamdhenu: Our Divine Cow, a Symbol of Blessings The Kamdhenu cow, often depicted with her calf Nandini, holds a deeply sacred place in Hindu belief. Known as the divine, wish-granting cow born from the Samudra Manthan (the churning of the cosmic ocean), she embodies the blessings of three goddesses: Lakshmi (for wealth), Saraswati (for knowledge), and Durga (for strength). Bringing this statue home is believed to usher in prosperity, financial stability, and good health while purifying your home’s energy. For couples hoping to start a family, it symbolizes nurturing and fertility, radiating hope and positivity. The significance of the Cow and Calf idol in Vastu runs deep—it’s believed to strengthen your overall well-being and inner balance. Every Part Tells a Story Each part of the Kamdhenu cow carries spiritual meaning: Horns: Represent Lord Brahma, Vishnu, and Shiva. Eyes: Symbolize the sun and moon. Hump: Represents prosperity and divine strength. Shoulders: Embody the wind and fire gods. Legs: Depict the four Vedas and the Himalayas. Together, these symbols make Kamdhenu a living embodiment of balance, purity, and abundance. Where to Place Your Kamdhenu for Best Results: A Vastu Guide Placing your Kamdhenu cow and calf statue correctly is key to channeling its positive energy. The Vastu significance and placement of the Cow and Calf statue in your home comes down to one thing—thoughtful positioning. The Right Spot: Directions That Matter The most recommended direction for the cow idol placement is the North-East (Ishan Kon) corner. This sacred zone is known for attracting divine energies and cosmic vibrations. Alternatively, the North or East directions are also considered highly beneficial. For business owners or professionals facing financial imbalances, placing the statue in the South-West corner preferably on a Monday is believed to help attract stability and reduce unnecessary expenses. Best Rooms for Your Kamdhenu The Pooja Room is considered the most auspicious location—especially for those seeking spiritual upliftment and peace. Placing the statue here on a Friday is believed to be particularly favorable. The Living Room is another suitable option; just ensure it’s positioned in the North-East, North, or East direction for maximum benefit. You may also place it near your main entrance—just make sure the cow faces inwards. This symbolizes prosperity and positive energy flowing into your home. Where Not to Keep Her (and Why) Knowing where not to place your Kamdhenu statue is just as important as knowing where to keep it. Avoid these areas: Bedroom – The idol’s sacred energy doesn’t align with restful spaces. Bathroom or Kitchen – These are impure or functional areas, unsuitable for divine symbols. Directly on the floor or in cluttered, unclean spaces. High-traffic areas where it could be accidentally disrespected or damaged. These simple precautions ensure respect and preserve the statue’s positive vibrations. Picking the Perfect Material The material of your Kamdhenu statue also influences its Vastu effect: Material Recommended Placement Believed Benefit Silver Worship/Pooja Room Attracts divine blessings and prosperity. White Marble Home Entrance Promotes calmness and purity. Brass or Copper Living Room or Office Encourages success and abundance. Earthen or Ceramic Sacred Corners Enhances natural energy and grounding. Quick Tips: Do’s and Don’ts for Your Kamdhenu Do’s: Keep the statue clean and in a respectful place. Place it in the North-East, North, or East directions. If near the entrance, ensure the cow faces inwards. Choose auspicious materials like silver or white marble. Don’ts: Don’t place it in bedrooms, bathrooms, or kitchens. Don’t place it directly on the floor or in unclean corners. Avoid chipped, broken, or damaged statues. Don’t place it where it can easily fall or be mishandled. Final Thoughts Bringing a Kamdhenu cow and calf statue into your home is a beautiful way to connect with India’s spiritual heritage while creating a peaceful and positive environment. According to Vastu for home, this divine symbol attracts prosperity, good health, and harmony when placed correctly. Just like choosing the right home loan helps you build your dream home, selecting and placing a Kamdhenu statue thoughtfully can help you invite abundance and stability into your living space. Choose your statue wisely, position it with respect, and let its sacred presence fill your home with divine energy, prosperity, and tranquility. Frequently Asked Questions Q1: Why is the Cow and Calf statue considered so important in Vastu?The Kamdhenu cow and calf statue is revered as a divine, wish-fulfilling symbol. It represents prosperity, fertility, and spiritual growth—believed to embody the blessings of Goddesses Lakshmi, Saraswati, and Durga. Q2: Which direction is best for placing the Kamdhenu statue?The North-East (Ishan Kon) corner is the most auspicious direction, followed by the North or East sides, to enhance harmony and prosperity. Q3: Can I place the statue in my living room?Yes, the Living Room is suitable, provided it’s positioned facing the North-East, North, or East direction. Q4: Are there any places where I should avoid keeping the statue?Yes. Avoid bedrooms, bathrooms, kitchens, or cluttered spaces. Never place it on the floor or near areas of negative energy. Q5: Does the material of the statue matter for Vastu?Yes. The material impacts the energy flow. Silver is best for worship areas, white marble for entrances, and brass or copper for prosperity zones. Q6: Can the Kamdhenu statue help with financial problems?It’s believed that placing the Kamdhenu statue in the South-West corner—especially on a Monday—can help attract financial stability and improve prosperity for business owners and families. Disclaimer The information in this article is based on general principles of Vastu Shastra and is intended for informational purposes only. Piramal Finance does not provide or endorse architectural or astrological advice. Please consult a qualified expert for personalized recommendations before making design or construction decisions.

13-11-2025

Tips & Advice

Vastu Shanti Puja: Bring Peace & Positive Energy to Your Home

Thinking of a new home or refreshing an old one? Many Indian families turn to Vastu Shanti, a time-honoured Hindu ceremony. It’s about aligning your living space with Vastu Shastra principles so it feels “just right.” The goal: invite peace, positive energy, and happiness into your life. This puja helps address any Vastu doshas (architectural imbalances) and seeks blessings from Vastu Purush, the home’s deity. It’s usually performed before moving into a new home or after a major renovation. Engaging a priest to determine the right time is key. Key Takeaways Vastu Shanti brings peace and positive energy. It helps correct Vastu doshas (architectural flaws). Suitable for new homes, renovations, and older properties. A priest will determine an auspicious time (muhurat). Table of Contents Why Vastu Shanti Matters for Your Home Understanding Vastu Shanti: What’s It All About? How to Perform Your Vastu Shanti Puja Essential Rules for Vastu Shanti Finding Auspicious Dates for Vastu Shanti Final Thoughts Frequently Asked Questions Why Vastu Shanti Matters for Your Home Imagine you’ve poured your heart, time, and savings into a new home. You want it to be a sanctuary brimming with happiness, good health, and success for your loved ones. This is exactly where Vastu Shanti steps in, a ritual many Indian families consider essential. This isn’t just a custom; it’s a deep-rooted Hindu ceremony that brings your home into harmony with Vastu Shastra, the ancient Indian science of architecture. It’s not only about bricks and mortar; it’s about aligning your living space with nature and cosmic energy. Vastu aims to balance the five basic elements earth, water, fire, air, and space alongside the energies of the nine planets. The objective is to create a home that supports physical health, mental peace, and financial well-being. The Vastu Shanti Puja (also called Vastu Dosh Nivaran Puja) is performed to please Vastu Purush, the guardian deity of the home. It also seeks blessings from the deities of the directions, the five elements, and other natural forces. Ultimately, this puja helps address Vastu doshas the subtle architectural or energy imbalances that can arise from construction errors or from not following Vastu principles initially and which can influence daily life. Understanding Vastu Shanti: What’s It All About? Performing Vastu Shanti Puja offers a host of benefits. Think of it as a spiritual reset for your home a powerful infusion of positive energy. Many families see it as a vital step toward a peaceful, prosperous life. A major benefit is neutralising Vastu doshas. The puja helps correct or at least reduce the effects of architectural imbalances and issues with your property’s natural energy flow, transforming how your home feels: comfortable, positive, and alive. It also invites positive energy by purifying the surroundings, clearing lingering negativity, and welcoming auspicious vibrations often experienced as greater peace, happiness, and prosperity. The ceremony further seeks blessings from Vastu Purush, the nine planets, the five elements, and the directional deities helping maintain harmony and guard against unexpected challenges. Many people find it enhances overall well-being supporting health and finances, strengthening family bonds, and easing obstacles in career or personal life. For older or previously occupied homes, it also serves as a spiritual cleansing of residual energies. In essence, Vastu Shanti fosters harmony by balancing natural elements within your home so the space feels aligned physically, emotionally, and spiritually. How to Perform Your Vastu Shanti Puja Vastu Shanti is usually performed with an experienced Hindu priest guiding the process. Here’s a straightforward outline: Getting Ready Clean up: Thoroughly clean the home, especially the puja area. Purify: Sprinkle Gangajal (holy water) for purification. Decorate: Adorn the main door with Ashoka leaves; create auspicious swastik signs; use fresh flowers and rangoli. Deities: Set up a puja spot with pictures or idols of Lord Ganesha and other deities; place a Vastu Purusha image in the Agneya (southeast), Nairutya (southwest), or Ishanya (northeast) direction. Samagri (items): Keep puja materials near the havan mandal (sacred fire pit) flowers, havan samagri, ghee, sweets, a copper kalash, coconut, mango leaves, rice, turmeric, and camphor (your priest will share a full list). Conducting the Ceremony Priest: Invite a priest well-versed in Vastu Shastra and Vedic rituals. Sankalp: The family head, with the priest, prays to Lord Ganesha and takes a vow to perform the puja; offerings (petals, rice, grains) are made to Mother Earth. Bhoomi Abhishanchan: Sprinkle Ganga water with mango leaves to sanctify the space. Pran Pratishtha: Mantras are chanted and offerings made to invoke divine presence. Havan: Offer ghee and herbs into the sacred fire while mantras are recited; the smoke symbolically purifies the environment. Aarti & Prasad: Conclude with aarti and distribution of prasad. After-puja: A small pit is dug to respectfully place the havan remnants, which are then covered. Essential Rules for Vastu Shanti To ensure the ceremony is meaningful and effective, keep these in mind. When to Do It Timing: Typically performed before Griha Pravesh, but also appropriate after major renovations, on purchasing an old house, after living away for an extended period, or approximately once every ten years. Muhurat: Consult an astrologer or priest to determine an auspicious date and time. Do’s and Don’ts Do’s Keep a calm, positive mindset during the puja. Ensure the home is clean and purified. Seek guidance from a knowledgeable priest. Don’ts Avoid Sutrabandhan (tying sacred thread) during Vastu Puja. Do not place the naivedya (offering) of dahibhat toward the eight corners. Avoid nailing or drilling into floors during the ritual. Do not schedule Vastu Shanti and Satyanarayan Puja on the same day. For attached flats, perform Vastu Puja separately for each unit. After the puja, avoid leaving the house unoccupied for more than three months. Finding Auspicious Dates for Vastu Shanti Choosing the right muhurat for a Vastu Shanti puja is incredibly important, as the ceremony is meant to align your home’s energy with positive cosmic forces. However, auspicious timings can vary widely based on your region, family traditions, and individual horoscopes. That’s why it’s always best to consult a local priest or astrologer who can suggest the most accurate, personalised dates for your household. If you wish, you can also refer to the monthly panchang for general guidance, but do treat those dates as indicative only your priest will provide the final, most suitable muhurat Final Thoughts Vastu Shanti is a meaningful way to invite positive energy and balance into your home. It’s a rich tradition many Indian families value for creating a peaceful, prosperous living environment. By following the steps and guidelines above, you can help align your home with Vastu Shastra principles. Whether you’re moving into a new home, renovating after taking a home loan, or simply seeking a more harmonious environment, Vastu Shanti offers a path to peace. Consult a trusted priest for guidance , especially for muhurat , and embrace this tradition as an invitation to well-being and happiness in your most special space Frequently Asked Questions What’s the main point of Vastu Shanti?To align your home with Vastu Shastra principles addressing Vastu doshas and inviting peace, positive energy, and good fortune for all occupants. Who should do Vastu Shanti Puja?Homeowners moving into a new place, undertaking major renovations, or purchasing an older property. It’s also commonly performed before Griha Pravesh. Is Vastu Shanti necessary for an old house?It’s often recommended. The ritual is believed to clear lingering energies and spiritually refresh the space for new occupants. Can I perform Vastu Shanti myself?It’s best performed under the guidance of an experienced Hindu priest to ensure the rituals and mantras are conducted correctly. What items are needed for Vastu Shanti Puja?Typical samagri includes flowers, havan samagri, ghee, sweets, a copper kalash, coconut, mango leaves, rice, turmeric, and camphor. Your priest will provide a detailed list. How much does Vastu Shanti Puja cost?Costs vary based on location, the priest’s dakshina, and the scale of the ceremony. Check directly with your priest for an estimate. Disclaimer: The information in this article is based on general principles of Vastu Shastra and is intended for informational purposes only. Piramal Finance does not provide or endorse architectural or astrological advice. Please consult a qualified expert for personalized recommendations before making design or construction decisions.

13-11-2025

Tips & Advice

Vastu Shastra For Home : Building Harmony in Your Indian Home

Ever noticed how some homes instantly feel peaceful and welcoming? That sense of balance often comes from Vastu Shastra the ancient Indian science of architecture that aligns your living space with nature’s energy. Whether you live in a city apartment or a traditional home, Vastu offers timeless guidance for designing spaces that radiate positivity, harmony, and well-being. The goal is simple create a home that nurtures your mind, body, and soul. Key Takeaways Vastu Shastra aligns your home with nature’s five elements. Directions play a crucial role in shaping positive energy. Even small Vastu changes can make a meaningful impact. Vastu principles fit beautifully into modern Indian homes. Table of Contents · Ever Wondered What Vastu Shastra Really Is? · Why Bother with Vastu Today, Especially in Modern Homes? · The Simple Heart of Vastu: Elements and Directions · Practical Vastu Tips for Every Corner of Your Home · Easy Vastu Tweaks for Everyday Life · Final Thoughts · Frequently Asked Questions Ever Wondered What Vastu Shastra Really Is? Imagine walking into a home that instantly makes you feel calm. Every corner seems just right bright, open, balanced. That feeling often stems from Vastu Shastra, an age-old Indian science of space design and energy flow. Vastu Shastra combines ancient wisdom, science, and philosophy to create harmony between humans and their surroundings. It works by aligning your home with natural forces like sunlight, wind flow, magnetic fields, and cosmic energy fostering health, peace, and prosperity. Why Bother with Vastu Today Especially in Modern Homes? In today’s world of compact apartments and fast-paced living, Vastu Shastra feels more relevant than ever. Many homeowners, architects, and interior designers now integrate Vastu principles into modern architecture to create homes that feel better brighter, airier, and more balanced. Modern Vastu isn’t about superstition; it’s about sustainability and wellness. It encourages designs that maximize natural light, ventilation, and positive energy. Even for milestones like Bhoomi Pujan (groundbreaking) or Griha Pravesh (housewarming), following Vastu ensures auspicious beginnings filled with optimism and balance. The Heart of Vastu: Elements and Directions At its core, Vastu Shastra revolves around balancing the five elements Pancha Bhootas: Earth (Prithvi) – stability and support Water (Jala) – flow and prosperity Fire (Agni) – energy and transformation Air (Vayu) – movement and freshness Space (Akash) – openness and expansion Each element connects to a specific direction. For example, Fire corresponds to the Southeast, while Water aligns with the Northeast. Vastu uses the Vastu Purusha Mandala, a symbolic square grid, to guide the placement of rooms and objects in harmony with these energies. Practical Vastu Tips for Every Corner of Your Home Main Entrance The entrance is your home’s energy gateway. Ideally, it should face North, East, or Northeast to attract prosperity and positive vibrations. Keep the doorway well-lit, clean, and free of clutter. A strong wooden door (like teak) enhances stability and security. Kitchen The kitchen represents the element of Fire. The Southeast corner is the best spot. When cooking, face East to promote health and positivity. Avoid placing the stove or sink directly opposite each other to prevent elemental imbalance. Master Bedroom For restful sleep and emotional balance, the master bedroom should ideally be in the Southwest. Sleep with your head toward the South or East, and avoid mirrors reflecting the bed they may disrupt peace and energy flow. Living Room This is where energy circulates the most where families bond and guests gather. The North, East, or Northeast directions are ideal. Keep heavy furniture toward the Southwest and use soft, light shades for walls to maintain a bright, open atmosphere. Pooja Room (Prayer Room) The Northeast corner, considered highly sacred, is best for a prayer room. Keep it tidy, well-lit, and peaceful. Avoid placing it near bathrooms or under staircases to maintain sanctity. Bathrooms and Toilets These are best placed in the Northwest or West corners. Avoid the Northeast or Southwest, as these can disrupt the home’s energy flow. Study Room / Work Area For concentration and success, place study areas in the North, East, or Northeast direction. Sit facing East or North for focus and clarity. Colours Soft, neutral, and soothing tones promote balance. Whites, beiges, yellows, and light blues are ideal for living areas and bedrooms. Avoid deep reds and blacks in large amounts they can overpower energy. Easy Vastu Tweaks for Everyday Life You don’t need to remodel your home to feel the benefits of Vastu Shastra. Small, mindful changes can make a big difference in bringing harmony and positivity into your space. Here are some simple ways to get started: · Add positivity-enhancing elements: Introduce small touches that encourage good energy and prosperity. Wind chimes, bamboo plants, small mirrors, or even a fish aquarium can help uplift your home’s energy and create a calm atmosphere. · Keep your space clutter-free: A tidy home allows energy to move freely. Declutter regularly, especially near your entrance and in living areas. A clean, organized environment naturally attracts positivity. · Welcome sunlight: Natural light is one of the most powerful sources of positive energy. Open your curtains and blinds during the day to let sunlight in — it instantly brightens your mood and refreshes the space. · Let in fresh air: Ensure good ventilation in every room. Fresh air helps remove stagnant energy and brings a renewed sense of calm and balance into your home. Final Thoughts Vastu Shastra isn’t about rigid rules it’s a philosophy for living in harmony with nature. Even small adjustments, like positioning furniture or adding more natural light, can make your home feel calmer and more uplifting. And if you’re planning to build or renovate your dream home, a well-structured home loan can help you turn your vision into reality. At Piramal Finance, we make it easier to design and finance a home that reflects balance, prosperity, and peace. With mindful planning and the right support, you’re not just creating a home you’re building harmony for generations. Frequently Asked Questions Q1: What are the main elements of Vastu Shastra? Vastu Shastra focuses on balancing the five natural elements — Earth, Water, Fire, Air, and Space. It also emphasizes how directions influence the flow of energy in your home, helping you create harmony and balance in your living environment. Q2: Is Vastu Shastra only for new homes? Not at all. Vastu Shastra applies to both new and existing homes. Even small changes like rearranging furniture, choosing the right wall colours, or adding meaningful décor can help improve energy flow and create a more positive atmosphere. Q3: Which direction is best for a main entrance as per Vastu? According to Vastu Shastra, the northeast, north, or east directions are the most auspicious for your home’s main entrance. These directions are believed to allow positive energy and prosperity to flow freely into your space. Q4: Can Vastu Shastra help with financial prosperity? Yes, it can. Many believe that following Vastu principles can attract financial growth and stability. Keeping the northeast zone clutter-free and ensuring proper placement of cash lockers or valuables are practical ways to enhance prosperity in your home. Q5: What is the significance of the Vastu Purusha Mandala? The Vastu Purusha Mandala is like a cosmic energy grid that guides how spaces are laid out within a building. Each section of this grid corresponds to different energies and functions, helping architects and homeowners design homes that support balance, well-being, and positivity. Q6: Do I need to make big structural changes for Vastu? Not necessarily. While Vastu Shastra can guide new constructions, existing homes can also benefit from smaller adjustments such as rearranging furniture, adding indoor plants, or using specific colours to improve balance. Most improvements are simple, affordable, and easy to implement. Disclaimer The information in this article is based on general principles of Vastu Shastra and is intended for informational purposes only. Piramal Finance does not provide or endorse architectural or astrological advice. Please consult a qualified expert for personalized recommendations before making design or construction decisions.

13-11-2025

Tips & Advice

Vastu Significance of Ganesha in House: Bringing Peace and Prosperity Home

In Indian homes, welcoming Lord Ganesha, guided by Vastu Shastra, is more than a tradition it’s a deep-rooted belief that He removes obstacles and brings wisdom, peace, and prosperity. Understanding the Vastu significance of Ganesha in the house helps families place His idol correctly, inviting harmony and positive energy. The right direction, trunk tilt, and even the idol’s material all play an important role in creating a peaceful and prosperous home. Key Takeaways Place Ganesha in the Northeast, North, or West direction for good energy. An inward-facing Ganesha at the main door acts as a protector. A left-tilted trunk (Vamamukhi) is ideal for domestic peace. A sitting Ganesha brings calm, while a reclining Ganesha symbolizes wealth. Table of Contents Why Ganesha Is So Important in Vastu The Best Spots for Your Ganesha Idol Ganesha at Your Main Door Understanding Ganesha’s Trunk Direction What Ganesha’s Posture Means Picking the Right Colour and Material Ganesha Vastu: The Dos and Don’ts My Final Thoughts Frequently Asked Questions Why Ganesha Is So Important in Vastu Before every new beginning whether starting a business or moving into a new home most Indian families seek Lord Ganesha’s blessings. Known as Vighnaharta, the remover of obstacles, He is believed to ensure success and stability. In Vastu Shastra, Ganesha’s presence aligns the energy of your home with universal harmony. His correct placement helps remove negativity, foster spiritual well-being, and attract happiness and growth. The Vastu significance of Ganesha in house reflects both symbolism and science He represents balance, wisdom, and auspicious beginnings. The Best Spots for Your Ganesha Idol The placement of your Ganesha idol is crucial for attracting good energy. The Northeast corner (Ishan Kona) is considered the most auspicious, representing spirituality and divine power. This is where the first rays of the sun bring vibrant, life-giving energy perfect for new beginnings. The North direction is another ideal option, believed to be the domain of Lord Shiva (Ganesha’s father) and Lord Kubera (the god of wealth). If the Northeast or North isn’t feasible, the West direction also works well. Ensure the idol faces East or North, and avoid placing it in the South direction, which is considered inauspicious. Ganesha at Your Main Door Many homes display a Ganesha idol near the main entrance to invite prosperity and protection. When placed here, the idol should face inward symbolizing positive energy entering your home. Traditionally, the Ganesha statue should be on the right side of the entrance, positioned at or above eye level. If you choose to place Ganesha at the entrance, ensure His back faces outward. If an outward-facing idol already exists, balance the energy by adding another Ganesha inside, with their backs touching. This neutralizes negative Vastu effects. Tip: Only place Ganesha at entrances that face North or South. Avoid East or West-facing main doors for this specific placement. Understanding Ganesha’s Trunk Direction The direction of Ganesha’s trunk carries symbolic significance. A left-tilted trunk (Vamamukhi) is considered auspicious for homes. It signifies peace, prosperity, and harmony, and is believed to be easier to please. A right-tilted trunk (Dakshinabhimukhi) represents more powerful energy and is traditionally preferred for offices or spaces that require dynamism. Choosing the correct trunk direction is an important part of understanding the Vastu significance of Ganesha in house. What Ganesha’s Posture Means Every Ganesha idol posture carries a distinct energy: Sitting Ganesha (Lalitasana): Brings peace, balance, and stability ideal for homes. Reclining Ganesha: Symbolizes luxury, comfort, and prosperity. Standing Ganesha: Reflects success, progress, and devotion often ideal for offices or workspaces. Picking the Right Colour and Material The colour and material of your Ganesha idol influence the kind of energy it attracts: White Ganesha: Symbolizes peace, happiness, and purity. Vermilion Ganesha: Encourages wealth and personal growth. Gold Ganesha: Attracts abundance and good fortune. Recommended Materials: Clay or Mud: Signifies humility and purity. Brass: Invites prosperity and joy. Crystal: Neutralizes negative energy and corrects Vastu imbalances. Copper: Brings luck and fertility. Silver: Attracts fame and recognition. Wood: Promotes good health and longevity. Cow Dung: Symbolizes cleansing and fortune. Avoid plastic or synthetic idols, as they are considered inharmonious with natural energies. Ganesha Vastu: The Dos and Don’ts Dos Keep one main Ganesha idol in the household. Ensure the idol has a mouse (Mooshak) and a modak (sweet) nearby. Keep the idol clean and well-maintained. Offer fresh flowers and light a diya daily as an act of devotion. Don’ts Avoid placing Ganesha in the bedroom, bathroom, or under a staircase. Do not keep two Ganesha idols facing each other in the same space. Avoid idols with broken or chipped parts replace them respectfully. Never place Ganesha near dustbins or untidy areas. Ensure Ganesha’s back doesn’t face the main living area. Final Thoughts Bringing Lord Ganesha into your home as per Vastu principles is a beautiful way to invite positivity, harmony, and prosperity. By following simple guidelines such as the right direction, posture, trunk tilt, and materials, you align your home’s energy with divine blessings. These time-honoured practices create not only a spiritually charged atmosphere but also a space filled with calm and abundance for your family. And as you work towards building or buying your dream home, remember that financial planning plays an equally important role. Choosing the right home loan with favourable interest rates and flexible repayment options can make your journey smoother and stress-free. Just as Vastu helps balance your home’s energy, the right home loan can help you achieve stability and peace of mind in your financial life. Frequently Asked Questions Q1: Can I place more than one Ganesha idol in my home?It’s generally recommended to have one main Ganesha idol in a household. Multiple idols may disperse the spiritual energy, so focus your devotion on one central figure. Q2: What if my main door faces East or West?If your main entrance faces East or West, it’s best not to place Ganesha directly at the door. Instead, place the idol inside your home, ideally in the North or Northeast direction. Q3: Is a standing Ganesha idol good for home?A sitting Ganesha is ideal for peace and family harmony. A standing Ganesha can also be placed if the focus is on success, progress, and overcoming challenges. Q4: Why should Ganesha’s trunk tilt to the left for homes?A left-tilted trunk (Vamamukhi) represents nurturing energy, peace, and prosperity making it ideal for a home setting. Q5: What materials should I avoid?Avoid plastic or synthetic idols. Choose natural materials like clay, brass, copper, silver, or wood for best results. Q6: Can I place Ganesha in the pooja room?Yes, the pooja room is the most auspicious spot. Within it, the Northeast corner is ideal, with the idol facing East or North. Q7: What offerings please Lord Ganesha the most?Offer modaks, fresh flowers, durva grass, incense, and a ghee diya. These are traditional favourites that invoke His blessings. Q8: What if I can’t follow all Vastu rules due to limited space?No problem intention matters most. A clean, respectful, and thoughtfully placed idol will still attract positivity and blessings. Disclaimer: The following article is based on traditional Vastu Shastra beliefs. Interpretations may vary depending on personal faith and regional practices. Readers are encouraged to follow what resonates best with them.

13-11-2025

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10 Upcoming IPOs in India

Are you planning to venture into the stock market? Or perhaps you’re considering various trading strategies? Whatever the case, an IPO can be an excellent tool for any trader to invest in, be it a beginner or an expert. With the Indian economy on the rise, several businesses are launching their IPOs in the coming months. We’re here with a list of 10 upcoming IPOs in India for you to consider. In this article, you’ll also learn about IPO allotment and how to check IPO status. What is an IPO? IPO stands for Initial Public Offering. It is a process through which a private firm issues its shares to the general public for the first time. The new investors buy the shares and provide the company with capital to aid its growth. An IPO can be a great way for the public to invest in and claim ownership in a company. The Indian economy is growing these days and thus startups are on the rise. Some day or the other, these businesses will need to raise funds. So we’ll be seeing many upcoming IPOs in 2022. What are the benefits of an IPO for a company? A new business receives funding from angel investors and banks to grow. An IPO is easy for the company to get financing without high interest and collateral. An IPO also allows the company to get listed on stock exchanges. And it can also generate publicity, as seen in the cases of PAYTM and Burger King. 10 Upcoming IPOs in India and How to Apply for Them - Please note: The IPO calendar is subject to change. Always refer to latest filings and regulatory updates before making investment decisions. # Company Industry Issue Size* (₹ crore) Expected Timeline Notes 1 Lenskart Solutions Retail/Eyewear ~7,278 Oct–Nov 2025 Major listing in retail. 2 Groww Ltd Fintech/Brokerage ~6,632 Nov 2025 One of the largest fintech listings. 3 Pine Labs Payments/Fintech ~3,900 Nov 2025 Fintech payments-platform major. 4 PhysicsWallah EdTech ~3,800 Nov 2025 Noted upcoming IPO in education. 5 ICICI Prudential AMC Asset-Management – Nov 2025 Listing of fund-management major. 6 boAt (Imagine Marketing) Consumer Electronics – 2025 Popular electronics brand in IPO pipeline. 7 OYO Rooms Hospitality – 2025-26 Global hospitality platform. 8 PharmEasy HealthTech/Pharmacy – 2025 Online pharmacy platform planning listing. 9 Fabindia Limited Retail/Apparel – 2025 Established retail brand going public. 10 SBI Funds Management Asset-Management – 2026 IPO of mutual-fund arm of SBI. Upcoming IPOs in India for 2026, with estimated details. Please note these are tentative and subject to regulatory approval and market conditions. # Company Sector Estimated Issue Size / Notes Expected Timeline 1 Reliance Jio Infocomm Telecom / Digital Services Very large-scale listing; the company is valued at approximately $100 billion+ in some reports. (Financial Times) 1H 2026 2 Licious Food & Quick-Commerce Temasek-backed online meat and seafood retailer targeting IPO; estimated $2 billion valuation. (Reuters) 2026 (12–18 months) 3 SBI Funds Management Asset Management Joint venture of SBI & Amundi; stake sale via IPO confirmed for 2026. (Reuters) 2026 4 Tata Capital Ltd. Financial Services / NBFC Large-ticket IPO mentioned in the national pipeline for 2025–26. (PL India) Late 2025 / 2026 5 Meesho E-commerce / Social Commerce Noted in upcoming IPO calendar for 2025–26; among India’s fastest-growing online retail platforms. (Trendlyne) 2025–26 How to apply for an IPO? Applying for an IPO is very simple in this digital age, but some prerequisites still exist. Choose a company Read the red herring prospectus on the SEBI website Check past profits, transparency in funding, debts, etc Open a Demat account and a trading account Linked a verified bank account with the necessary capital Select the lot size and bid You can choose independent platforms like Zerodha and Sharekhan to apply for an IPO. Some banks also merge bank, Demat, and trading accounts. What is IPO Allotment? Every IPO has specific quotas for different investors. High-value investors are usually preferred over the general public. And sometimes, there can be an oversubscription. It happens when the number of shares in demand exceeds the number of shares the company has released. In such cases, there is a random selection of applications. So either you get the allotment or your money back. In the case of an under-subscription, SEBI dismisses the IPO. How to Check IPO Status? The IPO allotment process isn’t over once your application gets through. Sometimes you receive fewer shares than you bid for. So it’s essential to double-check the IPO status. You can check IPO status on the websites of the registrars. These are independent organisations affiliated with stock exchanges. The company appoints them to oversee the record of the issued shares. You can also check IPO status on the websites of BSE and NSE. [B-02] Conclusion So, now you know about some upcoming IPOs in India, IPO allotment, and how to check IPO status. Next, you’re probably thinking of applying for an IPO. Be sure to review the company before taking that big step. However, some people may not have much capital to invest. If you need help with finances, you can always take the help of a financial expert like Piramal Finance. They will suggest what’s best for you and help take care of your personal finance requirements if any. Hopefully, you’ll make an informed decision. Happy trading!

12-11-2025

How To?

Your Land, Your Record: Understanding the 7/12 Extract in Raigad

The 7/12 extract is a crucial land record in Raigad district, Maharashtra. It provides details about land ownership, cultivation, and any liabilities. You can access it online through the MahaBhulekh portal or offline at the Talathi office. While not having one isn’t directly penalized, it is essential for property transactions, bank loans, and legal verification. Keeping it updated helps simplify processes and protects your land rights. Key Takeaways 7/12 extract: Your land’s essential identity document. Online access: MahaBhulekh makes it simple and quick. Offline option: The Talathi office is always available. Crucial for: Sales, loans, and ownership verification. Always verify: Check all details carefully and keep them updated. Table of Contents Why This Document Matters Getting Your 7/12 Extract Raigad Online – A Simple Guide The Traditional Way: Getting It Offline Quick Tips: Do’s and Don’ts Making Sense of Your Land Details Final Thoughts Frequently Asked Questions Imagine you own a piece of land in beautiful Raigad maybe it’s ancestral, or perhaps newly purchased. Now suppose you plan to sell it or apply for an agricultural loan. The first document you’ll be asked for is your 7/12 extract. This document is much more than just paper it’s your land’s official identity record. For landowners and farmers in Raigad, understanding and regularly checking this document is essential. It confirms ownership, shows what is cultivated, and highlights any pending loans or legal claims. The 7/12 extract forms the foundation of clear, dispute-free property ownership in Maharashtra. Why This Document Matters The 7/12 extract, or Satbara Utara, combines two forms in one: Form 7 (VII): Details of the owner and land rights. Form 12 (XII): Information about cultivation, crops, and land use. Issued by the Talathi office, this document is fundamental for anyone owning land in Raigad. It serves as: The primary proof of ownership. A required document when buying or selling land. A must-have for bank or agricultural loans. Proof needed to apply for government schemes and subsidies. Without an accurate 7/12 extract, land dealings can become complicated and time-consuming. Getting Your 7/12 Extract Raigad Online – A Simple Guide The good news is that getting your 7/12 extract for Raigad is now easier than ever. You can access it from the comfort of your home. Here’s how: Visit the official MahaBhulekh portal at mahabhulekh.maharashtra.gov.in. Select Raigad as your district. Click on 7/12 from the available options. Enter the required details, you can search using: Survey Number (सर्वेक्षण क्रमांक) Gat Number (गट क्रमांक) Owner’s First, Middle, or Last Name Complete the captcha and click Search (शोधा) or 7/12 पहा. Your extract will appear on the screen. You can view, download, or print it. For an official, digitally signed copy, visit the Aaple Sarkar or Digital Satbara portal and pay a nominal fee (usually ₹15). This signed version is legally valid for all official purposes. The Traditional Way: Getting It Offline If you prefer visiting in person or don’t have internet access, you can still get your 7/12 extract offline. Visit your local Talathi office or Tehsil/Taluka office in Raigad. Request the 7/12 extract application form and fill it carefully. Attach supporting documents such as your Aadhaar card or previous land records. Pay the applicable fee and collect the receipt. The Talathi will process your request and inform you when the physical, stamped copy is ready for collection. Quick Tips: Do’s and Don’ts Do’s Don’ts Check your 7/12 extract regularly. Don’t ignore any mistakes you notice. Ensure ownership and land area details are correct. Don’t use outdated extracts for sales or loans. Apply for corrections immediately if errors exist. Don’t share sensitive land details with strangers. Keep both digital and printed copies safe. Don’t rely on unofficial agents or websites. Making Sense of Your Land Details Your 7/12 extract for Raigad contains several key details: Form 7: Owner’s name, ownership share, and survey number. Form 12: Cultivation details, land area, and crops grown. Encumbrances: Any loans, disputes, or government claims on the land. If you’ve recently purchased or inherited land, ensure the mutation record is updated. A mutation reflects ownership changes — like sales, inheritance, or division, in government records. The updated 7/12 extract then becomes your official proof of ownership. Final Thoughts The 7/12 extract Raigad is your land’s official identity document. It ensures clear ownership, supports legal transactions, and helps secure agricultural or property loans. Whether you’re a farmer or a landowner, keeping your 7/12 extract accurate and updated gives you long-term security and peace of mind. Make it a habit to check your land records regularly, online through MahaBhulekh or offline at your Talathi office. At Piramal Finance, we believe that being informed helps every landowner make smarter and stress-free financial decisions — whether you are verifying land records or planning your next home loan. Frequently Asked Questions Q1. What’s the difference between a 7/12 extract and an 8A extract?The 7/12 extract provides detailed information about a specific piece of land, including ownership and cultivation details. The 8A extract is a summary that lists all land parcels owned by one person within a village. Q2. How can I correct errors in my 7/12 extract?Visit your local Talathi office with supporting documents such as a sale deed, court order, or Aadhaar card. The Talathi will verify the documents and initiate the correction process. Q3. Is a digitally signed 7/12 extract valid for official use?Yes, a digitally signed extract downloaded from the Aaple Sarkar or Digital Satbara portal is legally valid for property registration, bank loans, and other official purposes. Q4. What is the cost of obtaining a 7/12 extract online?Viewing it on MahaBhulekh is free. However, a digitally signed and legally valid copy typically costs around ₹15 per extract. Q5. How often should I check my 7/12 extract?It’s best to review it once a year, or whenever you buy, sell, inherit, or apply for a loan on your land. Q6. What if my land has multiple owners?The 7/12 extract will list all co-owners and their respective shares. Ensure that these details are accurate and updated before any transaction.

07-11-2025

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