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Viksit Bharat by 2047: PM Modi has Ignited the Confidence of 140 Crore Indians, says Amit Shah Hon'ble Union Home Minister

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Viksit Bharat by 2047: PM Modi has Ignited the Confidence of 140 Crore Indians, says Amit Shah Hon'ble Union Home Minister

Hon’ble Union Home Minister, Ministry of Home Affairs and Cooperation, India, Shri Amit Shah, addresses the attendees of Namotsav 2025, India’s first musical multimedia show presenting the life of Prime Minister Shri Narendra Modi, at Sanskar Dham, in the presence of Shri Bhupendrabhai Patel, Hon’ble Chief Minister of Gujarat and Shri Harshbhai Sanghavi, Deputy Chief Minister of Gujarat, alongside several distinguished dignitaries. Namotsav celebrates Prime Minister Narendra Modi’s journey of struggle and leadership. In just 11 years, his vision of Viksit Bharat 2047 has inspired 140 crore Indians to aspire for global leadership across every sector. From children and youth to farmers and industrialists, the Prime Minister has empowered every section of society through transformative schemes that are improving lives nationwide, said Union Home Minister Shri Amit Shah.

 

Viksit Bharat by 2047: PM Modi has Ignited the Confidence of 140 Crore Indians, says Hon’ble Union Home Minister


Namotsav celebrated the extraordinary journey of India’s Hon’ble Prime Minister Shri Narendra Modi, who continues to refer to himself as Vakil Saheb’s karyakarta (worker). More than a commemorative event, Namotsav was a living tradition that reflected how service inspires resolve and commitment to the nation. Envisioned as a cultural festival, the three-day celebration from 28 to 30 December 2025 showcased the Prime Minister’s leadership through artistic expression, vibrant performances, multimedia presentations and the presence of eminent national leaders. Popular Gujarati artist Sairam Dave spearheaded the performance along with more than 150 performers. 


Sanskar Dham stands on the ideological foundation of Sanskar, service, values and love for the nation. The institution draws inspiration from the philosophy of Lakshmanrao Inamdar ji, fondly remembered across Gujarat as Vakil Saheb, who believed that divinity resides in the human conscience and that every individual is capable of imbibing values. When education is grounded in ethics and responsibility, it becomes a powerful force in shaping the nation’s future.


Guided by the National Education Policy 2020 and inspired by the core values of service and nationhood, Sanskar Dham’s educational institutions, Laxman Gyanpith School and Global Mission International School, are shaping learning environments where values become a way of life and childhood is given purposeful direction. These institutions reflect Sanskar Dham’s commitment to nurturing responsible, aware and grounded global citizens from an early age.


This vision extends into higher education through Anant National University, which is dedicated to training students to devise solutions for global problems. Other institutions under the Sanskar Dham umbrella include Anant School of Excellence, Sanskar Dham Sports Academy and Sanskar Dham Drone Academy, each contributing uniquely to holistic education and skill development.


Looking ahead to Viksit Bharat 2047, Sanskar Dham’s next major initiative, NAMTECH, is envisioned as a living–learning laboratory. Designed to offer learning and innovation opportunities to nearly 15,000 students annually, NAMTECH’s experiential education model has been developed in collaboration with leading industry experts and reputed institutions from the United States, Europe and Singapore.


Namotsav was a tribute to thousands of karmayogis who have contributed to Sanskar Dham’s journey since its inception, and to the leadership that guides it towards greater purpose and national service.

IGP Partners with Maddock Films for ‘Ikkis’ to Honour the Legacy of Second Lieutenant Arun Khetarpal

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IGP Partners with Maddock Films for ‘Ikkis’ to Honour the Legacy of Second Lieutenant Arun Khetarpal

Mumbai, 25th December 2025: IGP, a global D2C multi-category gifting platform, has announced a meaningful collaboration with Maddock Films for their latest movie Ikkis, the upcoming biopic on Second Lieutenant Arun Khetarpal, PVC, one of India’s youngest and most courageous war heroes. The film, releasing on 25 December, brings to life the extraordinary courage, conviction, and sacrifice of Lt. Arun Khetarpal, who was posthumously awarded the Param Vir Chakra at just 21.

Insta post link – https://www.instagram.com/reel/DSmaJwbDBTC/?igsh=MTJ0ZGQ3a2oyczJocQ==

As the official gifting partner of Ikkis, IGP has created a limited edition co-branded planter inspired by the values that defined Arun Khetarpal: bravery, resilience, and an unwavering sense of duty. Designed as a living tribute, the planter features a curated artwork motif and includes IGP’s signature self-watering pot with a hardy snake plant, symbolising strength and continuity.

A deeply meaningful detail anchors this collaboration. Each planter contains soil collected from the Arun Khetarpal memorial at The Lawrence School, Sanawar, where the hero studied. The soil was gathered with utmost respect as a mark of remembrance, ensuring that every planter carries a part of Captain Khetarpal’s enduring legacy and spirit.

Speaking on the collaboration, Tarun Joshi, Founder and CEO, IGP, said, “Second Lieutenant Arun Khetarpal’s courage and sacrifice remain one of the most powerful reminders of duty and honour in our country’s history. It is a privilege for us to pay tribute to a hero who continues to inspire generations. The opportunity to include soil from his memorial makes this collaboration deeply personal and profoundly meaningful for all of us at IGP. We are pleased to tie up with Maddock Films & being a part of this journey as Ikkis brings his remarkable legacy to the forefront once again.”

This partnership will come to life in two meaningful ways. As part of the promotional campaign starting 18 December, the film’s team will distribute 400 co-branded Ikkis planters during their on-ground activations, each carrying a message card that honours Arun Khetarpal’s story. The planter will also be available as the official merchandise for Ikkis exclusively on IGP for a limited time only.

Agastya Nanda, who plays Second Lieutenant Arun Khetarpal, added, “Playing Second Lieutenant Arun Khetarpal changed me in ways I will carry forever. To see a tribute like this planter – something that grows, something that holds soil from his memorial – feels incredibly special. It’s a reminder of the roots he came from and the courage he stood for. I hope everyone who brings it home feels connected to his journey in their own way.”

Speaking on the collaboration, Sriram Raghavan director of Ikkis said – “Ikkis is not just a film for us; it’s a responsibility. Second Lieutenant Arun Khetarpal’s story deserves to be told with honesty, emotion, and deep respect. This collaboration with IGP adds a beautiful and symbolic layer to that effort. The planter carrying soil from his memorial allows people to take home a piece of his spirit. We couldn’t think of a more meaningful way to honour his memory.”

This collaboration stands as a heartfelt tribute to Arun Khetarpal’s legacy, offering people a meaningful way to honour his courage and carry a part of his story into their homes. Through this partnership, IGP and Maddock Films aim to keep alive the values he embodied and inspire future generations with his remarkable journey. Furthermore, proceeds from all units sold of the Ikkis planter will go toward feeding underprivileged communities through a partnered NGO, extending this tribute into a tangible act of service and compassion.

About IGP:

With offices in India, Singapore, and Dubai, IGP is one of the largest D2C gifting product companies. IGP, International Gifts Platform, is known for its extensive range and offers one of the best-curated collections of festival merchandise, gifts, fresh flowers, cakes, plants, gourmet foods, and personalized products. IGP manufactures its own products and sells them through its own website. IGP’s products are also available on other marketplaces. The brand has a global footprint with customers spanning 100+ countries and 1000+ cities in India and has created over 20 million stories of love and joy so far.

Galgotias University Hosts Inspiring Galgotias Dialogue Series Featuring Vineeta Singh, Founder & CEO, SUGAR Cosmetics

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Galgotias University Hosts Inspiring Galgotias Dialogue Series Featuring Vineeta Singh, Founder & CEO, SUGAR Cosmetics
Greater Noida, 24th December 2025: Galgotias University hosted an inspiring edition of the Galgotias Dialogue Series, featuring Ms. Vineeta Singh, Founder and CEO, SUGAR Cosmetics, one of India’s most influential entrepreneurs and a leading voice in the country’s startup ecosystem. The session witnessed enthusiastic participation from students, aspiring entrepreneurs, and members of the University’s vibrant start-up community.
During the interactive session, Ms. Singh shared insightful perspectives on how the Indian startup ecosystem can be made more accessible and inclusive for the youth of the nation. Drawing from her own entrepreneurial journey, she emphasized the importance of resilience, mentorship, and purpose-driven innovation in building sustainable and impactful ventures. She encouraged students to focus on solving real-world problems, create long-term value, and remain committed to their vision even in the face of challenges.
Ms. Singh also engaged in an in-depth interaction with Galgotias student start-ups, appreciating their innovative ideas, confidence, and clarity of thought. She commended the University’s efforts in nurturing entrepreneurial talent and fostering a culture that supports experimentation, learning, and growth.
Expressing her appreciation for the leadership at Galgotias University, Ms. Vineeta Singh, Founder and CEO, SUGAR Cosmetics lauded the vision of Dr. Dhruv Galgotia, CEO, Galgotias University, and highlighted the strong institutional support extended to student entrepreneurs. She noted that such academic ecosystems play a critical role in shaping the next generation of founders and innovators.
Speaking on the occasion, Dr. Dhruv Galgotia, CEO, Galgotias University, said, “At Galgotias University, we are committed to empowering students with the right mindset, mentorship, and platforms to transform ideas into impactful ventures. Interactions with industry leaders like Ms. Vineeta Singh inspire our students to think boldly, act responsibly, and contribute meaningfully to India’s entrepreneurial growth story.”
The Galgotias Dialogue Series continues to serve as a dynamic platform that connects students with accomplished leaders across industries, reinforcing Galgotias University’s mission to promote innovation, leadership, and industry-aligned learning while preparing students to thrive in the evolving global economy.

About Galgotias University

Galgotias University Among the World’s Leading Universities in QS and THE Rankings

Galgotias University proudly ascends in the QS World University Rankings 2026 by Quacquarelli Symonds, securing a coveted position in the 1201–1400 global band. Ranked 15th among top private universities and 43rd among all Indian universities—public and private combined—this achievement marks a powerful endorsement of Galgotias’ unwavering commitment to academic excellence, global relevance, and innovation in higher education.

In the Times Higher Education (THE) World University Rankings 2025, Galgotias University has been ranked 45th among Indian universities (including both government and private institutions) and placed in the globally prestigious 1001–1200 band. This significant achievement reinforces the university’s growing stature in the international academic arena and validates its consistent progress in global higher education benchmarks.

Sattva Group Launches Sattva Aeropolis Phase II, Reinforcing North Bengaluru’s Emergence as a Connected, Future-Ready Urban Living Corridor

Ravindra Kirti Founder GGF
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Sattva Group Launches Sattva Aeropolis Phase II, Reinforcing North Bengaluru’s Emergence as a Connected, Future-Ready Urban Living Corridor

~ A premium residential enclave aligned with the next phase of growth along Bengaluru’s rapidly evolving airport axis ~

Bangalore, 23rd December 2025: North Bengaluru’s airport corridor is emerging as one of the city’s fastest-growing urban zones, driven by robust infrastructure, enhanced connectivity, and large-scale integrated developments. With proximity to Kempegowda International Airport and upcoming landmarks such as KWIN City and Yelahanka State Township, the region is fast becoming a preferred destination for homebuyers and long-term investors.

Aligned with this growth momentum, Sattva Group today announced the launch of Sattva Aeropolis Phase II, a strategically located residential enclave along the airport corridor. Building on the strong response to Phase I, the new phase blends contemporary design, nature-led planning, and superior connectivity.

North Bengaluru’s Growth Momentum

Once viewed primarily as an airport extension, North Bengaluru has evolved into a self-sustained urban ecosystem, supported by aerospace parks, technology hubs, and next-generation townships that promise long-term economic vibrancy and residential demand.

Karishmah Siingh, President – Sales, Marketing & CRM, Sattva Group, said: “North Bengaluru’s transformation is unprecedented, fuelled by rapid connectivity enhancements and large-scale township developments that present significant residential investment opportunities. The remarkable response to Aeropolis Phase I underscores a clear preference for integrated, nature-led communities that expertly blend convenience with sustainable living and strong appreciation potential.”

Nature-Infused Urban Living

Spanning 2.4 acres, Sattva Aeropolis Phase II is envisioned as a tranquil residential sanctuary. A grand entrance and tree-lined boulevard lead to a 20-metre-wide central green spine that anchors the community and enhances everyday wellbeing.

The enclave offers 554 thoughtfully planned homes, ranging from studios to spacious 3 BHK residences, designed for young professionals, families, and frequent global commuters.

Unmatched Connectivity

  • The project enjoys seamless access to:
  • Kempegowda International Airport
  • Yelahanka State Township
  • Aerospace and commercial hubs
  • Leading educational institutions
  • Multi-specialty hospitals
  • Retail and entertainment destinations

This connectivity makes Aeropolis Phase II a compelling address for end-users and investors alike.

Holistic Lifestyle Amenities

  • Residents will have access to a comprehensive amenities ecosystem including:
  • A modern clubhouse
  • Resort-style swimming pool
  • Fitness and indoor activity zones
  • Landscaped outdoor community spaces

 

A Legacy of Trust

With over three decades of experience and a CRISIL “A Stable” rating, Sattva Group continues to set benchmarks in design, quality, and institutional-grade development. Sattva Aeropolis Phase II reflects the Group’s commitment to building sustainable, connected communities with long-term relevance.

About Sattva Group

With over three decades of pioneering excellence, Sattva Group has emerged as India’s leading real estate powerhouse, delivering 78 million sq. ft of premium developments with 71+ million sq. ft under construction across multiple cities. The Group has achieved a historic milestone by listing India’s largest Commercial REIT, Knowledge Realty Trust (KRT) as co-sponsor with long term partner Blackstone, encompassing 46 million sq. ft of Grade A office assets across six cities and establishing itself as India’s most geographically diversified REIT. Sattva’s commercial portfolio features iconic developments across key markets, while its expansive residential business spans Bangalore, Hyderabad, Mumbai, Pune, and Goa with diverse premium and luxury projects. Beyond core real estate, the Group’s strategic diversification into co-working, co-living, education, hospitality, data centers, and warehousing reinforces its position as a comprehensive urban infrastructure leader, supported by an exceptional CRISIL A+ rating that underscores decades of financial strength and unwavering quality commitment.

Galgotias iOS Development Student Launches Elementum on App Store

Ravindra Kirti Founder GGF
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Galgotias iOS Development Student Launches Elementum on App Store

Greater Noida, 23rd December 2025: For Nalinish Ranjan, a B.Tech Computer Science student (2023–2027) at Galgotias University, learning chemistry was never about lack of effort—it was about information overload. Dense textbooks, cluttered apps, and distracting resources made memorising the periodic table harder than it needed to be. That challenge sparked the creation of Elementum, a clean, intuitive learning app that simplifies how students understand and revise chemistry fundamentals.

Developed at Galgotias University’s iOS Development Center, Elementum was created as part of Nalinish’s Swift Student Challenge (2025) winning project and is now live on the Apple App Store, marking a significant achievement for both the student and the university.

Born From a Student’s Struggle, Built for Clarity

Elementum was born out of a deeply personal learning experience. Like many students, Nalinish struggled to memorise elements, groups, and properties—not because the concepts were difficult, but because the resources were overwhelming. “I needed something that could give me the right information at the right moment—nothing extra, nothing distracting,” he shares. That insight became the foundation of Elementum.

Designed with focus, empathy, and precision, the app presents the periodic table in a clean, distraction-free interface, allowing students to quickly recall key properties of elements exactly where they appear. Every design choice was guided by a single question: What does a student truly need to remember?

Turning Memorisation into Meaningful Learning

One of Elementum’s standout features is “Combine”, an interactive tool that enables students to practice basic element combinations. By shifting learning from passive memorisation to active engagement, the feature strengthens conceptual understanding and makes revision more effective. Built with an offline-first approach, Elementum ensures uninterrupted learning anytime, anywhere—making it a reliable companion during last-minute revisions and daily study sessions alike.

Supported by Visionary Mentorship

Elementum was developed under the guidance of Galgotias University’s iOS Development Center, where students receive hands-on exposure, structured mentoring, and real-world app development experience. The center plays a crucial role in nurturing ideas that solve real problems through technology. Reflecting the university’s vision of innovation-led education, Dr. Dhruv Galgotia, CEO, Galgotias University, said, “When students are encouraged to think with empathy and innovate with purpose, they don’t just build apps—they create solutions that simplify lives and make learning more meaningful.”

More Than an App — A Smarter Way to Learn

Elementum stands as a powerful reminder that when education is designed with clarity and empathy, even complex subjects like chemistry can become accessible and engaging—one element at a time. As Nalinish continues to refine and expand the app, Elementum embodies Galgotias University’s commitment to transforming students into creators, problem-solvers, and innovators, ready to make a difference beyond the classroom.

About Galgotias University

Galgotias University Among the World’s Leading Universities in QS and THE Rankings

Galgotias University proudly ascends in the QS World University Rankings 2026 by Quacquarelli Symonds, securing a coveted position in the 1201–1400 global band. Ranked 15th among top private universities and 43rd among all Indian universities—public and private combined—this achievement marks a powerful endorsement of Galgotias’ unwavering commitment to academic excellence, global relevance, and innovation in higher education.

In the Times Higher Education (THE) World University Rankings 2025, Galgotias University has been ranked 45th among Indian universities (including both government and private institutions) and placed in the globally prestigious 1001–1200 band. This significant achievement reinforces the university’s growing stature in the international academic arena and validates its consistent progress in global higher education benchmarks.

Two-Day 49th Annual Extravaganza at Satluj Public School, Sector 4, Panchkula

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Two-Day 49th Annual Extravaganza at Satluj Public School, Sector 4, Panchkula

Panchkula: Students of Satluj Public School, Sector 4, Panchkula gave a scintillating performance on two days of the annual day celebrations at the school premises in Sector 4 here.
 

Students of Satluj Public School, Sector 4, Panchkula performing at the annual day celebrations at the school premises in Sector 4 Panchkula


The theme of ‘Satluj Pride 2025’ this year was ‘Nation Rising – The World Wakes up to the Glory of India’. This marked the 49th edition of the annual function.

On the first day, the Chief Guest on the occasion was Ms. Alba Smeriglio, Deputy High Commissioner, British Deputy High Commission of the UK Embassy, Chandigarh, who applauded the students for their academic discipline, creativity and confidence.

The cultural segment opened with Performance I, “Game Changers: The Women Who Made India Proud,” presented by students of Grade XI, celebrating inspiring women achievers. Performance II, titled “Borders & Brotherhood: Divided by Politics, United by Love,” by Grade IX students, delivered a strong message of harmony and shared humanity. This was followed by Performance III, “Maha Kumbh: Myth, Belief, Reality,” enacted by Grade VIII, offering a thoughtful portrayal of India’s spiritual heritage.

On Day 2, the Chief Guest was Mr. Sanjeev Kumar Jain, IPS, DGP Haryana Human Rights Commission, Government of Haryana. The programme featured a vibrant series of student performances showcasing creativity, cultural diversity and moral values. Highlights included “Winter Wonder: A Christmas Tale of Values” presented by Grade V students, “Kantara: Roots, Rituals & Rise” by Grade VI, and “Global Beats 2025: The World in Rhythm” by Grade VII, each reflecting themes of tradition, unity and global harmony.

Mr. Reekrit Serai, Managing Director, Satluj Public School, Sectors 2 & 4, Panchkula & Satluj Group of Schools (including Satluj Public Schools, Satluj World Schools, Little Satluj Preschools with branches across Haryana, Punjab, Jammu & Kashmir and Himachal Pradesh), while giving the information after his welcoming remarks said, “We had a vibrant line-up of colourful items, which was a treat for the eyes of parents who attended the event. I would like to congratulate the students who performed and the ones who were honoured as you’ve made us immensely proud.”

Management members of Satluj Public School, Sector 4, Panchkula who joined on the occasion were Dr. Krit Serai, Co-Chair/ Director-Principal; Co-Principal Mr. Madhurima Serai; and Mrs. Radhika Panickar Serai, entrepreneur, publisher of Rumour Books India and philanthropist and recipient of the Nari Shakti Samaan by the Government of India for her exemplary contributions as an entrepreneur and educationist.

Sonata Gold Collection Wins 2025 Good Design Award, Marking the Brand's First International Design Recognition

Ravindra Kirti Founder GGF
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Sonata Gold Collection Wins 2025 Good Design Award, Marking the Brand's First International Design Recognition

Sonata, one of India’s most trusted watch brands, has won the Good Design Award 2025 for the Sonata Gold Collection, marking the brand’s first international recognition for design excellence.

 

Sonata’s Gold Collection wins the Good Design Award 2025 — a milestone international honour that recognises the brand’s timeless design language and modern innovation


The Good Design Award is one of the world’s most respected global design programmes, recognising products that demonstrate excellence in design, innovation, form, and function. Sonata received the award in the Product Design Category for Timepieces, placing it alongside globally renowned brands. For Sonata, this milestone represents a significant step in an international stage and strengthens its commitment to delivering strong design value at scale.


The Sonata Gold Collection stood out for its ability to translate gold into a contemporary design language. The men’s watch features a black dial paired with gold toned hands and an embedded coin, creating a clear and distinctive visual identity. At the centre of the design is a certified 22K gold plated coin weighing 0.15 gm, set directly into the dial. With ridged edges, a dish shaped profile, and an engraved 22K marking, the coin becomes the defining design element of the watch. Fluid lugs and leaf shaped hands reference classical watchmaking, while a textured leather strap completes the form. The women’s variant applies the same design principles in a slimmer case, ensuring balance, proportion, and elegance.


Commenting on the achievement, Ranjani Krishnaswamy, CMO – Analog watches said, “The Good Design award reflects Sonata’s audacious step into aspirational, Design-led product lines. The Gold collection marks a defining milestone for the brand – crossing it’s highest-ever price point for the first time, anchored in deep consumer trust. In India, gold is a powerful symbol of authenticity and trust, and for us it represents purity of thought and intent. Crafting a certified 22K gold coin into a contemporary watch came from placing the Indian consumer and their enduring affinity for gold at the very centre of our design thinking.” 


By centring the design on material authenticity and form, the collection delivers a strong visual statement while remaining accessible. Priced at INR 5,995, it demonstrates how thoughtful design and meaningful material use can coexist at an attainable price point.


About Sonata
Sonata, the largest-selling watch brand in India from Titan Company Ltd., a TATA group company, has built its reputation on delivering great quality and outstanding value for its customers. The brand enjoys a robust annual sales volume of over 5 million watches, supported by a strong retail network of over 8,000 dealers nationwide. Every Sonata watch is a purchase backed by the TATA promise of excellence.

India's Small Business Credit Landscape Evolving Rapidly: CRIF High Mark–SIDBI Report

Ravindra Kirti Founder GGF
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CRIF High Mark and SIDBI have unveiled the second edition of CRIF–SIDBI Small Business Spotlight Report (Dec 2025), offering interesting credit insights into small businesses with credit exposure upto Rs. 5 crores, which remain central to financial inclusion, employment generation, and balanced economic growth.

 

The report points to a resilient small business credit environment marked by sustained portfolio expansion, gradual formalisation, wider lender participation and healthy asset quality.  

 

Key Findings

Strong Credit Growth: Aggregate small business credit exposure reached ₹46 lakh crore, up 16.2% YoY, with active loan accounts rising 11.8% YoY to 7.3 crores. Comprehensive policy initiatives for the MSME sector including implementation of several Government credit schemes have played a pivotal role in sustaining strong credit growth.

 

Increased Formalization: Sole proprietors form ~80% of credit and ~90% of borrowers. The fastest-growing cohort is “sole proprietors with entity presence,” up 20% YoY, led by LAP. As of Sep’25, 23.3% were new-to-credit and 12% new-to-enterprise, signaling increased formalization.

 

NBFCs Expanding Market: Private banks lead enterprise lending, closely followed by PSBs while NBFCs gain share among sole proprietors with more than 41% share.

 

Unsecured Loan Growth: For enterprises, working capital dominates (~57% POS), while term loans fund capex. For sole proprietors, LAP leads, followed by business and CV loans. Unsecured loans grew 31% YoY despite stress concerns.

 

Credit Momentum in Smaller States & Services: MH, TN, UP, GJ lead by portfolio size, but TS, AP, WB show high growth. Beyond-Top-100 locations now hold a rising share, especially in UP, MP, KA, TN. Manufacturing leads in absolute credit, while services grew 19.6% YoY.

 

Improved Portfolio Quality: PAR 91–180 fell to ~1.4% (Sep’25) from 1.7% (Sep’23). Enterprises show better risk, but sole proprietors also improved. Very Low/Low Risk borrower share rose between Sep’23–Sep’25, aided by better underwriting and digital data.

 

Odisha – State in Focus

  • Small Business Credit portfolio grew from ₹0.67 lakh crore (Sep’23) to ₹0.96 lakh crore (Sep’25), up 17.2% YoY vs. national 16.2%.

  • Aspirational districts’ credit grew >22% YoY, outperforming state and national averages with better delinquency.

  • Public Sector Banks dominate (>40% share), while NBFCs rapidly expand in under-penetrated areas.

  • Risk profile improving: Very Low Risk share rose from 40.1% (Sep’23) to 47.1% (Sep’25) for small enterprises, creating more lending opportunities for banks.

 

Sachin Seth, Chairman, CRIF High Mark and Regional Managing Director – CRIF India and South Asia said, “Sole proprietors continue to anchor India’s small business credit ecosystem, accounting for close to 80 percent of the borrower base as of September 2025. At the same time, borrowers with both individual and enterprise credit presence are contributing a steadily rising share of overall credit exposure, and this segment has recorded the strongest growth in exposure over the year. Together, these trends indicate that credit deepening and gradual formalisation are progressing in parallel as small businesses scale.”

 

About CRIF High Mark

CRIF High Mark is an RBI licensed credit bureau in India that commenced its bureau operations in March 2011. CRIF High Mark offers Credit Bureau Information and Identification and fraud prevention services. It is India’s first full-service credit information company which provides comprehensive credit information for all borrower segments, namely Commercial, Consumer, and Microfinance borrowers. With the databases of individuals and businesses from over 5,000 financial institutions CRIF High Mark provides credit information services and supports millions of lending decisions every month.

 

CRIF High Mark is part of CRIF S.p.A. a global company headquartered in Bologna, Italy. CRIF is a global company specializing in credit & business information systems, analytics, outsourcing and processing services, as well as advanced digital solutions for business development and open banking. Globally, CRIF operates in 37 countries with more than 10,500 financial institutions and over 600 insurance companies. CRIF’s services are used by over 90,000 companies and more than 1,000,000+ consumers.

 

About SIDBI

Since its formation in 1990, SIDBI has been touching the lives of citizens across various strata of society through its integrated, innovative and inclusive approach for all round development of MSMEs. SIDBI has directly or indirectly through various credit and developmental measures impacted the  myriad Micro, Small and Medium Enterprises (MSMEs) in the country, whether they are traditional, domestic small entrepreneurs, bottom-of-the-pyramid entrepreneurs, or high-end knowledge-based entrepreneurs.

 

Link to the report: www.crifhighmark.com/media/5971/small-business-spotlight-report_digital.pdf

 

For more information, please visit:  https://www.sidbi.in/. 

Millions Drink it Daily, But at what Cost? Sri Ramakrishna Hospital's Orthopedic Specialists Explain the Link Between Tea, Coffee and Musculoskeletal Pain

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Millions Drink it Daily, But at what Cost? Sri Ramakrishna Hospital's Orthopedic Specialists Explain the Link Between Tea, Coffee and Musculoskeletal Pain

Many patients complaining of persistent neck or back pain overlook one daily habit, post-meal tea or coffee. Orthopedic specialists from Sri Ramakrishna Hospital highlight how caffeine can affect bone health, muscle tension, and inflammation when consumed immediately after food. The hospital’s experts share medical insights, warning signs, and practical lifestyle advice to help people protect their spine and joints.
 

Best Ortho Hospital in Coimbatore
 

Everyone loves their hot tea or coffee either early morning or in the evening. While a few enjoy throughout the day in between work. Their brains are trained in a way to enjoy a cup every now and then. But is it doing any good? We have heard it all, these hot beverages are disrupting the sleep cycle, making the stomach go acidic when taken on an empty stomach. Orthopedic specialists now suggest that these hot beverages when taken especially after meals may be the reason for those joint pains.
 

Expert orthopedic doctors share insights on how healthy these drinks are and how they actually influence bone health, muscle function, posture, and pain perception, especially in individuals already prone to spinal discomfort.

 

Neck and Back Pain: A Growing Concern

Today the majority of the people complain about neck and back pain. Long hours of sitting, poor posture, sedentary work habits, nutritional deficiencies, and stress can contribute to significant spinal strain. While tea or coffee alone cannot be directly held culprit for neck or back pain, orthopedic experts highlight that habitual consumption immediately after meals may indirectly worsen existing musculoskeletal issues.

 

The Impact On Nutrient Absorption Due To Tea and Coffee

Orthopedic experts explain that tea and coffee contain compounds such as caffeine and tannins, which can interfere with the absorption of essential minerals when consumed immediately after meals.

  • Calcium absorption: Calcium is vital for bone strength and spinal stability. Regular interference in absorption may weaken bones over time.

  • Iron absorption: Poor iron levels can lead to muscle fatigue and reduced oxygen supply to tissues, worsening pain and stiffness.

  • Magnesium balance: Magnesium plays a role in muscle relaxation and nerve function. Reduced levels may increase muscle tightness and spasms.

 

Over months or years, these nutritional imbalances can contribute to reduced bone density and muscular discomfort, especially in the neck and lower back.

 

The Unseen Connection Between Caffeine and Muscle Tension

Caffeine acts as a stimulant that directly activates the central nervous system. According to orthopedic specialists, excessive caffeine intake can:

  • Increase muscle tension, particularly in the neck and shoulder region

  • Increased pain sensitivity in people with chronic joint or bone conditions

  • Disrupt sleep quality, which is crucial for muscle repair and recovery

 

Poor sleep and persistent muscle tightness often go hand in hand with chronic neck and back pain, creating a cycle that is difficult to break.

 

Post-meal Habits and Poor Posture

Orthopedic Experts at Sri Ramakrishna Hospital also highlight the behavioral aspect linked to tea and coffee consumption. Many people drink tea or coffee after meals while sitting for long periods—often in slouched or unsupported postures, especially during work hours.

 

Prolonged sitting combined with caffeine-induced muscle tightness can increase spinal load, leading to:

  • Neck stiffness

  • Upper back strain

  • Lower back discomfort

 

Over time, this can worsen posture-related spinal conditions.

 

Does Tea or Coffee Directly Cause Back Pain?

Orthopedic doctors emphasize that tea or coffee is not a direct cause of neck or back pain. However, it can act as a contributing factor when combined with:

  • Poor posture

  • Lack of physical activity

  • Inadequate nutrition

  • Existing spinal problems such as cervical spondylosis or lumbar disc issues

 

For individuals with pre-existing orthopedic conditions, small lifestyle habits can have a noticeable impact on symptom severity.

 

What Should One Follow?

Orthopedic experts advise extra caution for:

  • People with chronic neck or back pain

  • Individuals diagnosed with osteoporosis or low bone density

  • Office professionals with long sitting hours

  • Elderly individuals

  • Women at risk of calcium deficiency

 

For these groups, timing and moderation of tea or coffee intake becomes particularly important.

 

Understanding The Expert Recommendations On Healthier Alternatives

Orthopedic Specialists at Sri Ramakrishna Hospital recommend simple lifestyle adjustments rather than complete avoidance:

  • Wait 30–60 minutes after meals before having tea or coffee

  • Ensure a calcium-and protein-rich diet to support bone and muscle health

  • Stay hydrated with water or herbal infusions

  • Maintain correct sitting posture during work hours

  • Incorporate regular stretching and strengthening exercises for the spine on a regular basis.

 

These small changes can significantly reduce the risk of worsening neck and back pain.

 

Orthopedic specialists remind us that enjoying tea or coffee is not harmful when done mindfully. Moderation, timing, and an active lifestyle play a crucial role in protecting spinal health.

 

By making informed choices and seeking timely orthopedic care, individuals can continue their daily routines comfortably – without letting small habits turn into long-term pain.

 

The orthopaedic experts at Sri Ramakrishna Hospital emphasize that understanding everyday habits, such as diet, posture, and activity patterns, can make a meaningful difference in spine and joint health. Backed by advanced diagnostic facilities, evidence-based treatment protocols, and a multidisciplinary rehabilitation approach, the Orthopaedics Department at Sri Ramakrishna Hospital continues to help patients move better, live pain-free, and regain confidence in daily life. With a strong focus on patient education and preventive care, the hospital remains committed to delivering comprehensive musculoskeletal care that supports long-term well-being across all age groups.

Paisabazaar and YES BANK Announce Upgraded PaisaSave Credit Card with Enhanced Dining and Travel Benefits

Ravindra Kirti Founder GGF
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Paisabazaar and YES BANK Announce Upgraded PaisaSave Credit Card with Enhanced Dining and Travel Benefits

Paisabazaar, India’s largest consumer credit marketplace and free credit score platform, and YES BANK, India’s sixth largest private sector bank, have announced the launch of the upgraded YES BANK Paisabazaar PaisaSave Credit Card. This co-created credit card now offers one of the highest dining and travel cashback benefits in its category.
 

With a powerful 6% cashback on dining and travel spends, the revamped PaisaSave Credit Card delivers strong value with no joining fee​
 

With a powerful 6% cashback on dining and travel spends, the revamped PaisaSave Credit Card delivers strong value with no joining fee, making it an ideal choice for consumers who are avid travellers, foodies and frequent diners.
 

The upgraded card also offers savings on day-to-day spends and is one of the most rewarding lifestyle credit cards in its segment for new-age India. Customers can earn up to Rs. 3,000 cashback per month through accelerated 6% benefits on dining and travel. Beyond this cap, all spends in these categories continue to earn 1% cashback.

In addition, users can instantly activate a virtual YES BANK PaisaSave RuPay Credit Card, allowing seamless UPI-based credit payments for everyday transactions.
 

Mr. Anil Singh, Country Head – Credit Cards and Merchant Acquiring, YES BANK, said, “As spending on dining and travel continues to grow, credit card users are seeking meaningful rewards that truly add value to these experiences. We are pleased to present the new PaisaSave Credit Card, in partnership with Paisabazaar, which brings premium benefits and propositions designed to elevate everyday financial experiences for consumers across segments.”
 

Ms. Santosh Agarwal, CEO, Paisabazaar, said, “Our co-created strategy with YES BANK remains focused on building digital-first, high-impact products. Conversations with consumers have indicated that cashback continues to be one of the most sought-after propositions in credit cards. With the new PaisaSave Credit Card, we wanted to build an exceptional proposition. The card adds genuine value to a large and growing consumer segment, for whom eating out and travel are an integral part of their lifestyle.”
 

The card carries no joining fee, and the annual fee of Rs. 499 from the second year onward can be waived upon achieving Rs. 1.2 lakh spends in the preceding year.
 

Key Features of the upgraded YES BANK Paisabazaar PaisaSave Credit Card:

  • 6% cashback on dining and travel spends across platforms such as Zomato, Swiggy, EazyDiner, MakeMyTrip Goibibo, Airbnb, hotel chains like Taj, Marriott, Radisson etc.

  • Unlimited 1% cashback on all other online, offline and UPI spends

  • 1% fuel surcharge waiver

  • No joining fee
    ​

Know more about YES BANK Paisabazaar PaisaSave Credit Card: www.paisabazaar.com/yes-bank/paisabazaar-paisasave-credit-card

*Cashback applicable on relevant MCCs.

For detailed information please visit: www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/paisabazaar-credit-card

 

About Paisabazaar
Paisabazaar, a part of PB Fintech (listed since 2021), is India’s largest marketplace for consumer credit and free credit score. Over the last 11 years, Paisabazaar has earned the trust of over 55 million consumers. Paisabazaar has built 65+ partnerships withBanks, NBFCs, and fintechs to offer a broad range of credit products. Paisabazaar is ISO (27001:2013) and PCI DSS certified organisation, with industry-best controls, to safeguard the best interest of consumers.

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