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ABHFL Drives Financial Inclusion Through ‘Khushi’ Home Loans

With ‘Khushi’ Home Loans, ABHFL is advancing its commitment to financial inclusion and housing for all. Tailored for Economically Weaker Section (EWS) and Low-Income Group (LIG) households, this product is designed to overcome the barriers of limited documentation and high EMIs. By combining minimal paperwork, digital onboarding, and up to 30 years of repayment flexibility, ‘Khushi’ makes homeownership both affordable and sustainable – contributing to India’s vision of inclusive urban growth.

Making Homeownership a reality for first-time home buyers

Key Benefits

  1. Loan amount: Up to Rs. 20 lakh

  2. Tenure flexibility: Up to 30 years, ensuring smaller EMIs.

  3. Minimal documentation: Tailored for informal-income segments.

  4. Digital onboarding + Track My Loan: Seamless loan journey with transparency.

  5. Doorstep service: Guidance and support at the customer’s convenience.

  6. Repo rate-linked interest: Affordable and transparent pricing.

Eligibility

  • Loan Amount: Up to Rs. 20 lakh for RERA-approved homes up to 60 sq.m

  • Tenure: 30 years (salaried) / 25 years (self-employed & cash salaried)

  • Income: Annual household income up to Rs. 6 lakh

Why It Matters

By 2030, India’s urban housing demand is projected to reach 22.2 million units, with over 95% (21.1 million units) required in the affordable segment. With the mortgage-to-GDP ratio standing at just 11%, deepening credit penetration is critical. ‘Khushi’ represents ABHFL’s commitment to trust, affordability, and inclusion – bridging the gap between aspiration and reality for millions of hardworking Indian families.

To know more click onAditya Birla Housing Finance – Khushi Home Loans

Northwind Estates: Redefining Luxury Living with Trust, Innovation, and Community in Greater Noida

From once being on the periphery of Delhi to now standing tall as an emerging hub of luxury living, Greater Noida has transformed into a city where infrastructure, connectivity, and aspirations converge. Here, homebuyers aren’t just looking for spacious apartments; they seek trust, innovation, and a deeper sense of belonging. Amid this landscape, few developers truly rise to the occasion, and Northwind Estates is among those leading the way, blending experience with fresh vision to create homes that inspire confidence and community in equal measure.

Northwind Estates: Redefining Luxury Living with Trust, Innovation, and Community in Greater Noida

Inspired by the dynamic nature of the wind, Northwind Estates combines clarity and power to drive excellence and build vibrant communities. At the heart of their core values lies a mission to make real estate transparent, customer-first, and effortlessly seamless, bringing a refreshing shift in an industry often weighed down by complexity. Northwind aspires to set new benchmarks by shaping neighborhoods that are inclusive, dynamic, and sustainable, where people don’t just reside but truly thrive. It is this philosophy that sets them apart: they are not merely building projects, but nurturing vibrant, future-ready communities that carry forward a sense of trust, belonging, and growth.

Besides, Northwind Estates is guided by a leadership team that combines deep-rooted experience with global perspectives, shaping a vision that is both ambitious and grounded. At its helm is Manoj Kumar Garg, CEO, and the driving force behind the brand’s mission to redefine Greater Noida’s real estate landscape. With a strong background in business and leadership, he blends strategic insight with a community-focused approach to development. Beyond his role in business, Manoj is actively engaged in civic and social organizations, serving in leadership positions at Rotary Club Green Greater Noida, Shri Maharaja Agrasen Vaish Sewa Samiti, and Uttar Pradesh Udyog Vyapaar Mandal-reinforcing his commitment to growth with trust, innovation, and inclusivity.

Supporting him is a new generation of leaders who bring international exposure and youthful dynamism. Anubhav Jain, Director of Finance & Management, combines global business expertise from Durham University, UK, with a legacy rooted in real estate, steering Northwind’s finance and management with integrity, transparency, and a strong focus on sustainable growth.

Samyak Jain, Director of Design & Construction and an architect from CEPT Ahmedabad, contributes his academic excellence and diverse global design experience to create climate-responsive, culturally rooted, and human-centric spaces that reflect the brand’s ethos of sustainability.

Shaurya Garg, Director of Marketing & Sales, represents the next wave of innovation. A B.Tech graduate from Delhi Technological University and an MSc in International Real Estate & City Planning from University College London (UCL), he brings this international academic expertise into Northwind’s projects, infusing innovation, sustainability, and global insights into the brand’s marketing strategies and upcoming developments. Together, this blend of seasoned expertise and youthful energy is redefining luxury living with a balance of trust, foresight, and progressive vision.

But the brand’s vision stretches far beyond construction timelines and architectural blueprints.

The developer draws inspiration from the dual nature of the wind: like a storm, it represents powerful progress, driving innovation and reshaping the city’s skyline; like a breeze, it brings clarity, comfort, and peace into everyday living. This balance of strength and serenity reflects Northwind’s philosophy of building not just homes, but environments where people feel connected and inspired. Rooted in integrity, inclusivity, and community spirit, Northwind’s narrative is one of trust and transformation, shaping neighborhoods that truly resonate with life.

Building on this vision, Northwind Sanctuary stands as a beacon of thoughtfully curated luxury in Greater Noida. Spread over 4.5 acres in Sector Pi, near the Metro station, the project comprises only 180 apartments across three residential towers, designed with a focus on space, privacy, and comfort.

Sanctuary is among the first IGBC Platinum-rated group housing societies in Greater Noida, reflecting Northwind’s commitment to sustainable, future-ready living. True to the brand’s commitment to sustainability, the community dedicates 70-85% of its area to open, landscaped spaces, complemented by rainwater harvesting and solid waste management systems. Residents enjoy a five-star clubhouse with premium lifestyle amenities, meticulously landscaped open areas, and a retail complex on the ground level, creating a self-contained ecosystem where luxury, convenience, and community converge seamlessly.

Further, the location offers proximity to key city infrastructure. Pari Chowk, Fortis Hospital, and Kailash Hospital are within a 10-minute drive, while the upcoming Noida International Airport is expected to be reachable in under 30 minutes.

Northwind Estates continues to redefine the essence of luxury living by crafting homes that seamlessly balance trust, innovation, sustainable design, and a strong sense of community. The brand envisions expanding its footprint with inclusive, technologically advanced, and environmentally responsible neighborhoods across Greater Noida and beyond, setting new benchmarks for modern, future-ready living while nurturing communities that thrive for generations to come.

IIFL Finance Engages Leegality’s Consentin for DPDP Compliance

IIFL Finance, one of India’s leading financial institutions, has engaged with Consentin by Leegality, a Digital Personal Data Protection (DPDP) compliance platform, to implement end-to-end DPDP compliance.

Ketan Anand (Consetin by Leegality), Kailash Gaonkar, Mehekka Oberoi, Shanker Ramrakhiani, Gaurav Sharma (IIFL), Sapan Parekh, Pushkal Dubey (Leegality)

This engagement marks one of the first large-scale implementations of a Digital Personal Data Protection (DPDP) compliance platform in the Indian BFSI sector. Consentin will serve as the technology backbone for IIFL Finance’s efforts to align with the Digital Personal Data Protection Act, 2023.

With the Digital Personal Data Protection Act, 2023 enacted – and binding DPDP Rules expected soon – every business that handles personal data in India will soon be required to implement systems for consent, data processing, and governance.

IIFL Finance shall deploy the entire Consentin platform-spanning consent lifecycle governance, data discovery and mapping, cookie compliance, data impact assessment, and audit-ready policy workflows across all its loan businesses.

At IIFL Finance, we view data privacy not just as a regulatory necessity, but as a strategic pillar of trust and transparency with our customers,” said Gaurav Sharma, CTO at IIFL Finance. “With the Consentin engagement, we will be able to operationalize this trust at scale – across verticals.

Developed by Leegality – Consentin is designed to meet the full spectrum of DPDP compliance needs of privacy, legal, compliance, and IT teams. It brings together all the moving parts of DPDP compliance into one secure, easy to implement platform.

IIFL Finance’s platform-wide adoption of Consentin is a strong signal that enterprises are now thinking about DPDP compliance as a core part of their digital infrastructure stack” said Shivam Singla, CEO, Leegality. “We’re excited to roll out what is likely India’s first DPDP compliance deployment.

About ConsentIn
Consentin is a DPDP compliance platform created by Leegality. Consentin helps enterprises manage the full spectrum of DPDP requirements – consent, notices, data governance, risk management, audit trails and regulatory reporting – through a single platform.

About IIFL Finance
IIFL Finance is one of India’s largest financial institutions, serving over 8 million customers across urban and rural India. Its portfolio spans loans, housing finance, microfinance, capital markets, and insurance and it manages a total AUM of 78,000+ crore

Worldline and Mypinpad Join Forces to Expand Access to Secure, Mobile-First Payments Across South Asia

Worldline (Euronext: WLN), a global leader in payment services, has partnered with Mypinpad, a global innovator in card acceptance and authentication software, to fast-track the adoption of secure, software-based payments across South Asia-where mobile-first solutions are essential for scale and inclusion.

By integrating Mypinpad’s PCI MPoC and scheme-certified SoftPOS solution, Worldline will enable contactless payments acceptance on Android devices-supporting Visa, Mastercard, and RuPay-without extra hardware. The solution is designed to scale across South Asia, targeting markets with high Android smartphone use but limited access to traditional payments infrastructure.

The joint initiative aims to significantly expand SoftPOS adoption in the region by removing cost and complexity barriers for businesses of all sizes. It also sets the foundation for a broader roadmap of advanced use cases that leverage not only merchants’ but also consumers’ devices, including Tap to Add, Tap to Pay on Own Device and Tap to Verify, which allow consumers to securely provision cards, verify credentials, or pay-all through their own mobile devices.

Ramesh Narasimhan, Chief Executive Officer, Worldline India, said, “By integrating Mypinpad’s SoftPOS solution, we’re empowering merchants with a secure, cost-effective, and frictionless way to accept card payments directly on Android devices. This innovation not only boosts scalability but also reinforces our commitment to delivering future-ready digital payment solutions that align with evolving market needs and regulatory frameworks.”

Barry Levett, Chief Executive Officer, Mypinpad, said, “This collaboration builds on a long-standing relationship between our two companies and reflects a shared goal to expand financial inclusion and accelerate market access. Worldline’s brand, market access, and regulatory trust enable rapid rollout of our mobile-first technology in key markets where they already operate.”

By putting intuitive, secure, compliant, and affordable payment tools in the hands of merchants and consumers, Worldline and Mypinpad are helping shape a more inclusive, secure, and connected future of commerce.

About Worldline

Worldline (Euronext: WLN) helps businesses of all shapes and sizes to accelerate their growth journey – quickly, simply, and securely. With advanced payments technology, local expertise and solutions customised for hundreds of markets and industries, Worldline powers the growth of over one million businesses around the world. Worldline generated a 4.6 billion euros revenue in 2024. worldline.com

In India, Worldline is a leading Omnichannel payments technology player building a robust payment ecosystem for over 26 years. Worldline is the preferred partner for over 30 leading public and private sector banks, leading sectors like NBFCs, insurance companies, e-commerce businesses, startups, retail brands, hotel chains and many more. www.worldline.com/india

About Mypinpad

Mypinpad is a UK-headquartered B2B SaaS business with customers and employees in over 20 countries. Mypinpad strives to be the solution of choice for money on the move – making mobile transactions safe, easy and enjoyable. Its certified and patented technology is built on cloud-based open systems designed to be bank-grade secure and ready to scale, providing customers with the tools to grow and future-proof its business. By working together with partners, Mypinpad aims to drive financial inclusion for the benefit of millions globally.

To find out more, visit its website: www.mypinpad.com

Guna Solar Commissions 994.2 kW Rooftop Solar Plant for Modine Thermal Under Zero-Investment Model

Guna Solar Private Limited, one of India’s fastest-growing Solar EPC companies based in Chennai, has successfully commissioned a 994.2kW rooftop solar power plant for Modine Thermal Systems Private Limited at their state-of-the-art manufacturing unit in SIPCOT, Sriperumbudur.

Actual picture of solar rooftop plant installed by Guna Solar Pvt. Ltd. at the facility of Modine Thermal Systems Private Limited at Sriperumbudur

The project has been financed by SIDBI under OPEX model, ensuring zero upfront investment for Modine Thermal. Under the OPEX model, Guna Solar not only conceived the project but also executed complete EPC and will provide long-term O&M services, ensuring uninterrupted clean energy for decades to come.

Under the OPEX model, Guna Solar retains ownership of the rooftop solar plant and has entered into a Power Purchase Agreement (PPA) with Modine Thermal to supply electricity at 50% of the prevailing grid tariff. This results in immediate and significant savings – effectively reducing Modine’s power costs by 50% from Day One.

Commenting on the project, Rajesh Rangarajan, MD & CEO, Guna Solar, said, “We believe in creating value for industries by converting unused rooftops into revenue-saving assets. Our financing models – CAPEX, Lease, Deferred CAPEX, and OPEX – make solar accessible to every company, regardless of their upfront budget.

According to R Sathish, Managing Director, Modine Thermal Systems Pvt. Ltd., “It gives us great pride to share that our Modine India factory has embraced renewable energy by installing a solar power plant at our facility in Sriperumbudur. Thanks to Guna Solar and its Leadership team’s professionalism and expertise, which enabled seamless collaboration & execution, allowing us to move closer to our green energy goals. This project, through the OPEX Model & PPA, besides ZERO upfront investment, will enable us to source power at an affordable, pre-determined cost for a long time.” Additionally, he noted that this not only reflects our commitment to sustainability but also supports energy independence, reliable & efficient power, thereby reducing our carbon footprint & making our journey towards a greener future.

For Guna Solar, this installation is yet another accomplishment as the plant was completed in 100 days, with best-in-class equipment, precision engineering, and stringent safety standards. According to Rajesh, this gives us confidence that Guna Solar has come of age in delivering customized, flexible solar solutions across India – helping clients achieve both economic and environmental goals.

Dwelling on the salient features of the project, Jordi Aragones Juncosa, CTO, Guna Solar, said, the project has been developed under a net metering arrangement. This ensures full energy utilization and enhances the economic viability of the plant for Modine Thermal. The plant employs advanced DC optimization with module-level electronics, enabling individual panel monitoring for enhanced diagnostics, Superior energy yield, even under shade or roof obstructions, and High-resolution analytics to drive operational efficiency.

Importantly, to ensure personnel and asset safety, the system includes module-level rapid shutdown capability, aligned with evolving global safety standards such as FM Global. This allows quick system deactivation during emergencies or maintenance.

About Guna Solar Private Limited

Guna Solar is a pioneering clean energy company with a decade-long legacy of delivering high-performance and investment-backed solar solutions that power industries, institutions, and commercial spaces across India. Now in its 11th year of operations, Guna Solar has successfully executed 180+ projects across India, helping clients cut electricity costs and accelerate their sustainability goals.

Headquartered in Chennai with offices in Bangalore and New Delhi, Guna Solar offers end-to-end solar services-from project conceptualization and precision engineering to construction, financing, and long-term asset management. The company also invests in select projects under PPA and lease models, enabling zero-upfront cost solutions for clients.

Known for its creative problem-solving and rigorous engineering, Guna Solar delivers rooftop and ground-mounted systems with an unwavering focus on safety, quality, and long-term performance. Its flexible engagement models – CAPEX, deferred CAPEX, lease, and OPEX/PPA-allow organizations to choose what best fits their financial and operational needs.

With 10+ years of proven impact and a passionate team driving innovation, Guna Solar is not just installing solar plants-it is powering India’s clean energy future with intelligence, creativity, and commitment.

For more information, visit www.gunasolar.com.

Housing.com Launches India’s Largest Online Property Festival in 30+ Cities with Exclusive Offers and Enhanced Consumer Experience

Housing.com, the countrys leading real estate technology platform, has announced the launch of its much-anticipated annual event, Mega Home Utsav 2025. Now in its ninth edition, the flagship property festival will run from September 10 to October 15, 2025, coinciding with the festive season to provide homebuyers with a unique and extended opportunity to explore exclusive property deals across the country.

Housing.com launches Mega Home Utsav 2025

Coinciding with the period of high-value festive purchases, Housing.com will present an extensive collection of residential properties and investment opportunities through this all-digital event. With participation from over 3,800 developers and channel partners, the event will cover more than 30 cities, including Mumbai, Delhi-NCR, Bengaluru, Chennai, Pune, Hyderabad, Ahmedabad, and Kolkata, among others.

Last year, Mega Home Utsav engaged over 53 million users, while Housing New Home 2025 surpassed this benchmark with equally impressive participation. This year, Mega Home Utsav 2025 is expected to cross a record 55 million reach, reaffirming Housing.com’s leadership as the country’s most trusted real estate platform.

This year, Housing.com is enhancing the homebuying experience with new features. Homebuyers can easily find their ideal property using personalized recommendations and smart search tools. Interactive formats like Housing Shorts and immersive audio walkthroughs make exploring listings more engaging.

At Housing.com, we believe finding a home should be exciting, seamless, and empowering. With Mega Home Utsav 2025, we’re bringing unmatched choices, exclusive offers, and verified listings-all backed by our commitment to transparency and trust-so home seekers can explore opportunities with confidence and ease at every step of their journey. This event is more than just a Housing.com initiative; it’s a collective effort driven by our trusted network of developers, brokers, and channel partners. Their unwavering commitment over the years has been instrumental in shaping the home buying journey for millions across the country. Together, we are creating a platform that combines scale, expertise, and integrity to help home seekers make informed decisions and move closer to their dream homes,said Mr. Amit Masaldan, Chief Revenue Officer, Housing.com.

Some of the leading developers showcasing their properties include Casagrand Builder Private Limited, Hiranandani Developers Pvt Ltd, Sattva Group, Provident Housing Ltd (Puravankara Group), Raheja Group, Assetz Property Group, Ashiana Housing Limited, Gera Developments, Kalpataru Group, Prestige Group, Sobha Limited, Adarsh Realty, Ruparel Realty, Vasavi Group, Cybercity Builders and Developers Pvt Ltd, Arvind Smartspaces Ltd and Pride Group, among others.

To make homeownership even more accessible during this festival, several developers are offering attractive deals. For instance, Assetz Property Group is offering a 36-month Pre-EMI holiday on select 3 & 4 BHK homes, while TG Developers is providing a 12-month EMI holiday. GRC Infra Pvt Ltd is extending Pre-EMI relief until handovers begin, and Brigade Group is allowing buyers to pay only 20% now and the rest by March 2026-with special launch benefits for the first 100 units. Additionally, Casa is presenting its limited-time ’96 Hours Offer,’ giving home seekers even more reasons to explore and secure their dream home during this festival.

To ensure maximum reach and impact, Housing.com will roll out a comprehensive omni-channel marketing campaign leveraging OTT, YouTube, Meta platforms, digital networks, PR initiatives, podcasts, and thought leadership articles-creating a seamless and engaging experience for home seekers across multiple touchpoints.

With its proven legacy of trust and innovation, Mega Home Utsav 2025 promises to once again redefine festive property buying in India, connecting motivated buyers with verified properties through smarter tools, immersive content, and unmatched reach.

About REA India Pte. Ltd.

REA India is a subsidiary of REA Group Ltd. (ASX: REA), a leading digital real estate business headquartered in Melbourne, Australia, and part of the NewsCorp family.

REA India owns Housing.com, the country’s leading real estate technology platform. With a vision to change the way India experiences property, the platform helps consumers throughout their buying, renting, and selling journey. It also offers a robust suite of Self services-such as smart listing tools, digital assistance-empowering home seekers and owners to manage their property needs with ease and online rent payment. These offerings enhance convenience, improve listing visibility, and enable direct engagement for both property owners and seekers.

For businesses, Housing.com offers advertising and listing products for developers and agents, as well as exclusive sales and marketing solutions. It also offers Housing Studio, a suite of innovative AR&VR content to drive better engagement.

REA India operates across 30+ offices nationwide, with its corporate headquarters in Gurugram, Haryana.

SIG Tattva Invests INR 3.5 Crore in Crion Technologies; Launches Industry-first ‘Pilot Before Pitch’ Program for Start-ups

SIG Tattva, the corporate venture capital arm of Somany Impresa Group (promoter group of AGI Greenpac Limited – BSE: 500187 and Hindware Home Innovation Limited – BSE: 542905), announced an investment of INR 3.5 crore in Crion Technologies, a pioneering company developing advanced digital solutions in IoT, AI, AR/VR, and cloud technologies.

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Shashvat Somany, Founder of SIG Tattva during the launch event

Crion’s flagship digital twin platform, Clonos, is redefining asset management by providing real-time insights and predictive capabilities, helping enterprises drive efficiency, reduce downtime, and make smarter decisions.

Vishnuvardhan Jayachandran, CEO of Crion Technologies, said, “We are thrilled to partner with SIG Tattva. This collaboration gives us the momentum to scale faster, accelerate product development, and take Clonos into new markets. What excites us most is working with an industry group that truly understands how transformative technologies can reshape manufacturing, utilities, and infrastructure. Together, we can unlock meaningful impact at scale.”

Alongside the investment, SIG Tattva also launched its flagship ‘Pilot Before Pitch (PBP)‘ program – an industry-first initiative designed to reshape how start-ups and enterprises collaborate. The launch brought together leading venture capital firms, start-ups, academia, and senior leaders from Somany Impresa Group for a day of open innovation. Participating VCs included Huddle Ventures, TVS Capital, Pontaq, Alteria Capital, Arali Ventures, Forge, and Nirman Venture, among others. The program featured start-up showcases, interactive discussions, and a panel with industry, VC, and academic stakeholders on how models like PBP can accelerate adoption of breakthrough solutions in real-world contexts.

Commenting on the dual announcement, Shashvat Somany, Founder of SIG Tattva, said, “We are proud to announce our investment with Crion Technologies, a partnership that sets the tone for the kind of deep-tech ventures we want to back and scale. What excites us about Clonos is its ability to prove value quickly inside industrial operations – a critical requirement for technologies looking to scale. And with the launch of our Pilot Before Pitch program, we want to give start-ups the opportunity to validate solutions in real-world environments and then support them to scale. It’s about creating a model where industry and innovation grow hand-in-hand.”

As part of the PBP launch, SIG Tattva hosted leading venture capital firms, incubators, and accelerators at AGI Greenpac’s Bhongir Glass Manufacturing Plant – India’s largest glass bottle manufacturing facility. The visit showcased the Group’s advanced manufacturing capabilities and demonstrated how start-ups can engage with SIG Tattva to access industry-scale environments, operational expertise, and execution pathways. Participants also explored opportunities to co-create solutions and advance open innovation through pilots in live industrial settings.

Sriharsha Bandaluppi, Head of SIG Tattva, added, “The Pilot Before Pitch launch is an opportunity to bring the ecosystem together, with venture investors, academia, and start-ups under one roof. This collaboration highlighted the role industry can play in working alongside innovators to accelerate adoption. The visit to our Bhongir plant further reinforced this spirit, giving participants a first-hand view of the scale at which solutions can be tested and our commitment to building a truly collaborative model for India’s start-up ecosystem.”

With PBP, SIG Tattva aims to build one of India’s most collaborative deep-tech ecosystems – where start-ups, investors, and industry co-create solutions for the future.

About SIG Tattva
SIG Tattva, the corporate venture capital arm of Somany Impresa Group, empowers visionary founders and transformative startups. Inspired by the Sanskrit word “Tattva” – meaning essence, principle, or fundamental truth – the platform reflects a commitment to truth, excellence, and progress.

Focusing on early-stage ventures in deep-tech manufacturing, enterprise SaaS, clean technologies, next-generation e-commerce, and disruptive product innovations, SIG Tattva goes beyond capital to provide strategic guidance, industry access, and operational expertise. By bridging entrepreneurs with real-world industrial ecosystems, it aims to accelerate breakthrough ideas and strengthen India’s deep-tech innovation landscape.

Spocto X and FACE Pioneer AI- Driven Compliance Framework for Collections at 6th Collect CoLabs

  • Collect CoLabs is Spocto X’s flagship invite only forum, bringing together lenders, regulators and technology leaders to exchange ideas, address systemic challenges and co-create solutions for the future of collections.

  • Partnering with FACE, the RBI-recognised Self-Regulatory Organisation in the FinTech sector, brought additional depth and credibility to this edition of Collect CoLabs. FACE’s role ensured that discussions on AI-driven collections were anchored in compliance, borrower protection, and regulatory alignment.

  • Themed “Building Tomorrow’s Collections: AI Technology with Compliant Foundations“, the forum focused on balancing innovation with compliance as a foundation for trust and systemic resilience.

  • Five core themes emerged – usage of agentic AI, contextual bots, regulatory alignment, governance, and shared industry frameworks – signaling a shift from recovery-led to proactive, trust-led collections.

Collect CoLabs – a Spocto X initiative hosted its sixth edition in partnership with Fintech Association for Consumer Empowerment (FACE). Being Indias most exclusive forum for collection leaders, it brought together over 20 senior leaders from banks, NBFCs, fintechs, and regulatory bodies to chart the next phase of debt collections in India.

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Collection leaders gathered for Collect CoLabs in New Delhi

When Spocto X first conceived Collect CoLabs, the intent was clear, to create a neutral, high-trust forum where CXOs and regulators could exchange candid views on the future of collections. With six successful editions and insights from over 80 industry experts over time, the initiative has evolved into a premier thought-leadership platform for the collections ecosystem.

The Collect CoLabs forum, co-hosted by FACE, served a combined role of knowledge sharing and highlighted the strategic shift towards Agentic AI as a dynamic orchestrator of collections, capable of real-time campaign adaptation. With participation from leading institutions such as ICICI Bank, Kotak Mahindra Bank, RBL Bank, Paytm, Muthoot Finance, etc, the discussions underscored how this technical advancement demands rigorous model risk management, emphasizing the need for AI that is not only powerful but also explainable, auditable, and regulator-ready. As an industry expert noted, “The real key lies in model risk management: it’s not enough to simply deploy AI; we must also understand exactly what the model is designed to do.” This sentiment was echoed in discussions on contextual conversational AI, where the focus moved beyond scripts to creating intelligent, personalized interactions that maintain borrower trust, especially in early-stage collections.

A critical technical hurdle addressed was the lack of regulatory clarity and standardization. Leaders called for a centralized, regulator-validated repository to ensure consistent interpretation of RBI guidelines across banks, NBFCs, and fintechs. This initiative is seen as foundational for scaling technology responsibly, as it removes ambiguity and enables the development of shared compliance frameworks. Sugandh Saxena, CEO of FACE, noted the value of the forum in this endeavor, stating, “For FACE, Collect co labs is an effort to bring collections into the mainstream conversation and ensure that borrower protection, compliance, and innovation move forward hand in hand. As the RBI-recognised SRO in the FinTech sector, FACE believes forums like these can elevate collections from a backroom function to a boardroom priority, creating the collaborative bridges between lenders, fintechs, and regulators that will define the industry’s future.”

The dialogue culminated in a move from theory to actionable technical frameworks. Proposals included embedding compliance directly into engagement systems through features like multilingual disclosure and seamless human escalation mechanisms. This aligns with the vision of AI as a collaborative tool, a point elaborated on by Himanshu Kateja, Product Head at Spocto X, who defined the next evolution as “a deep collaboration where the system can take inputs, reason, and make cognitive decisions.” The collective outcome was a clear roadmap positioning collections as a function driven by accountable technology and fortified by industry-wide cooperation, set to advance further in the future editions of the series.

About Spocto X – A Yubi Company
Spocto X, a Yubi Group company, is a leading end-to-end debt collections platform, revolutionizing collection mechanisms for banks and consumers worldwide. Spocto X has prevented over 9 Crore accounts from becoming non-performing assets, saving INR 50,000 Crores+ in expected credit losses. With 50+ top financial institutions as clients and a MENA presence headquartered in Dubai International Financial Centre (DIFC), Spocto X is at the forefront of innovation. Acquired in 2022, Spocto is part of the Yubi Group of Companies led by Founder & CEO Gaurav Kumar. Yubi is the world’s only technology company powering the end-to-end debt lifecycle, facilitating over ₹1,40,000 Cr in debt volumes, reducing collections costs by 57%, and fostering inclusivity and transparency in the financial ecosystem. Together, Yubi and Spocto X are democratizing capital flow and reshaping the future of finance. Learn more at www.spocto.com.

About FACE
The Fintech Association for Consumer Empowerment (FACE) is the RBI Recognised Self-Regulatory Organisation in the FinTech Sector (SRO-FT). FACE brings together over 240 FinTech companies to advance customer-centric financial services that are safe, suitable, and transparent, delivering positive outcomes for society and the economy.

Website: faceofindia.org.

Diljit Dosanjh’s Aura Tour Lands in Hong Kong: Music, Magic, and Must-Do Experiences for Indian Travellers

India’s biggest Punjabi pop icon, Diljit Dosanjh, will bring his chart-topping Aura Tour 2025 to AXA Wonderland, West Kowloon on Sunday, September 28, 2025. For Indian fans, the timing couldn’t be better – a Sunday show makes Hong Kong the perfect destination for a long weekend getaway, blending world-class live music with unforgettable travel experiences.

Diljit Dosanjh’s Aura Tour arrives at AXA Wonderland, Hong Kong on Sept 28, 2025, offering Indian fans an exceptional blend of music, culture, and travel

With multiple daily direct flights from Delhi, Mumbai, Bengaluru, Chennai and Hyderabad, Hong Kong is one of the most accessible international concert destinations for Indian travellers. Adding to the convenience, Indian travellers can take advantage of Hong Kong’s simple Pre-Arrival Registration (PAR) process, which allows visa-free entry for stays of up to 14 days – making a quick concert getaway easier than ever.Beyond the concert, the city offers a mix of adventure, culture, food, and family fun that makes it ideal for a short yet spectacular escape.

At AXA Wonderland, an iconic venue that has welcomed some of the world’s most renowned performers, fans can expect Dosanjh’s trademark energy, complete with immersive stage design, dazzling visuals and an audience capacity of 10,000.

Tickets are already on sale, ranging from HK$1,390 to HK$2,190, exclusively via KKTIX: tix-get-go.kktix.cc/events/diljitdosanjh-hk-2025.

This milestone stop in Hong Kong is part of a larger journey for Dosanjh, whose global rise has been nothing short of extraordinary.

Diljit Dosanjh stands tall as one of the most influential entertainers of our time – a singer, songwriter, actor and film producer whose journey from Punjab, India to the world stage has inspired millions. With blockbuster performances in Punjabi and Bollywood cinema, he has become a powerhouse actor. As a musician, he made history in 2023 as the first Indian artist to perform at Coachella, bringing Punjabi music to the global audience. Beyond his art, Diljit is celebrated as a fashion icon and cultural ambassador, proudly championing his Punjabi heritage everywhere he goes.

But the music is just the beginning. September is a spectacular time to visit Hong Kong, with the city buzzing with events, attractions and seasonal celebrations. The Hong Kong Summer Viva, officially running June-September, will allow Indian visitors to enjoy a host of city-wide perks – from dining and hotel deals to sightseeing and transport offers – making planning both fun and light on the wallet.

Visitors can join Hong Kong Disneyland’s 20th anniversary festivities, where new parades and shows light up the park. Families can also head to Ocean Park to meet the recently turned one-year-old giant panda twins, the first of their kind born in the city. Sports fans won’t want to miss the newly opened CR7 Museum, dedicated to Cristiano Ronaldo, while food lovers can savour everything from Michelin-star dim sum to street-side dai pai dong favourites. For the more adventurous, Hong Kong’s rugged outdoors offers island-hopping, scenic hikes, and water sports just minutes from the city centre.

Those choosing to extend their stay beyond the weekend can witness one of Hong Kong’s most iconic cultural spectacles – the Tai Hang Fire Dragon Dance, held during the Mid-Autumn Festival. The fiery ritual, passed down for generations, is one of the city’s most photographed celebrations and a vivid reminder of Hong Kong’s cultural richness.

With Diljit Dosanjh performing in Hong Kong, Indian travellers now have the perfect reason to turn a concert night into a memorable long weekend. From music and culture to family attractions and outdoor adventures, Hong Kong offers something for every traveller, making it the ultimate stage for this unforgettable tour stop.

Indian fans are encouraged to book early to secure their tickets and start planning their long-weekend itinerary. With its seamless connectivity, vibrant cultural calendar, and unique attractions, Hong Kong promises to make the Aura Tour 2025 experience one to remember.

The Aura Tour spans major global destinations, including Kuala Lumpur (24 September), Bangkok (7 December), and a stadium run across Australia and New Zealand, with stops in Sydney, Brisbane, Melbourne, Adelaide, Perth, and culminating in Auckland.

About Hong Kong Tourism Board (HKTB)

The Hong Kong Tourism Board (HKTB) is a government-subvented body tasked with marketing and promoting Hong Kong as a travel destination worldwide and enhancing visitors experience once they arrive. These include making recommendations to the Government and other relevant bodies on the range and quality of visitor facilities.

The HKTB’s missions are to maximise the social and economic contribution made by tourism to the community of Hong Kong and to consolidate Hong Kong’s position as a unique, world-class, and most desired destination.

India’s Cultural Wanderlust on the Rise: Skyscanner Reveals 8 in 10 Indians Plan Trips Around Culture in 2025

  • 93% travellers will consider lesser-known destinations if they also offer authentic cultural experiences

  • Durga Puja in Kolkata (53%), Lathmar Holi in Barsana (51%), and Onam in Kerala (35%) emerge as the top cultural spectacles Indians want to witness in the coming year

Leading global travel app Skyscanner recently released its latest Cultural Tourism report, highlighting a rising trend among Indians travelling in pursuit of authentic local heritage, traditions, and experiences. According to the findings, 82% of Indian travellers are very keen on visiting destinations primarily for their cultural offerings, with younger generations – Millennials (84%) and Gen Z (80%) leading this rising wave of cultural curiosity. This enthusiasm is evolving into a quest for depth as many travellers define cultural tourism not by the sights they see but by the knowledge they gain, with 39% considering a trip successful when they return home having learnt something new about the place or its people.

The report also reveals a striking shift: 76% of Indian travellers have altered their travel plans to attend a cultural event, underlining how traditions and festivals are no longer side activities but central to holiday decisions. This cultural curiosity isn’t limited by geography. 7 in 10 travellers say they are open to exploring cultural experiences domestically and internationally. At its core, Indians are seeking authentic, immersive adventures that allow them to participate, learn, and return home with stories that truly feel transformative.

Festivals as the Biggest Magnets for Cultural Travel

  • Indian festivals are emerging as some of the biggest draws for travellers. As per the report:

  • Over half of Indian travellers (55%) have attended local festivals, fairs, or cultural events.

  • Durga Puja in Kolkata (53%), Lathmar Holi in Barsana (51%), and Onam in Kerala (35%) lead the list of occasions travellers are most eager to witness live this year.

  • Beyond festivals, 53% of travellers are drawn to historical cities like Jaipur and Varanasi, while 39% are inspired to explore UNESCO World Heritage Sites such as Taj Mahal in Agra and Hampi in Karnataka. In fact, Skyscanner data shows searches to Varanasi, one of India’s most storied cultural cities, has risen by 76% for travel in 2025 compared to the previous year!(1)

  • Celebrated for their festive traditions, architectural grandeur, and local heritage, Kerala (32%) and Rajasthan (30%) have also emerged as India’s culture capitals.

Growing Interest in Underrated Destinations

Beyond these, travellers are curious to explore places that preserve traditions away from the crowds. A remarkable 93% are eager to seek out lesser-known destinations offering authentic cultural experiences, signalling a strong appetite for hidden gems where authentic traditions thrive away from crowded tourist trails. One way to explore these hidden treasures is by using ‘Explore Everywhere’ search feature on Skyscanner, with filter options like ‘underrated destinations’ and ‘art and culture’ to make it easier than ever to find the perfect spot for a unique tradition-rich escape.

“Indian travellers are moving beyond holidays taken only for leisure. The growing quest for depth has given rise to a new archetype – the culture curious traveller – one who seeks knowledge, connection and fulfilment,” said Neel Ghose, Skyscanner Travel Trends and Destinations Expert. “For them, success is measured in stories carried home that deepen their sense of people and place. Interestingly, our report also highlights that 71% prefer to travel with family, followed by 62% with friends, and 56% with a partner or spouse. This shows travel today is shifting from sights seen, to connections deepened – and Skyscanner’s all-in-one app makes it easier and more affordable to plan those meaningful journeys.”

From Observing to Immersing

As this cultural wave builds, a few patterns are emerging, showcasing how Indians plan, and experience escapes rooted in tradition. The report shows that nearly 4 in 10 want to explore heritage villages or eco-cultural communities, while 38% are drawn to culinary trails revealing the historic roots of local cuisines. Reflecting on this trend towards hands-on, participatory experiences, Dr. Aditi Rawat, Associate Fellow, Pahle India Foundation, policy think tank advancing research-led ideas on India’s economic development and governance, said, “Cultural tourism is fast becoming a defining lens through which Indian travellers experience their country and the world. The trend is moving towards combining cultural discovery with comfort, luxury, and leisure – a blend that encourages longer stays and deeper engagement. Catalysed by rising accessibility, robust infrastructure, and digital connectivity, it is reshaping travel from passive sightseeing to immersive storytelling, where visitors engage with living heritage, local traditions, and cultural narratives that define each destination.

Safety and Smart Planning Drive Choices

  • In their sojourns, practical considerations remain front and centre amongst Indian travellers. When choosing a cultural trip:

  • Safety (45%) tops the list of considerations when choosing a cultural trip, followed by authenticity (33%) and seasonality (31%).

  • 41% travellers start preparing one to two months ahead. Their inspiration is shaped by a mix of influences: 45% turn to social media, 39% rely on friends and family, and 27% use apps like Skyscanner to discover the right destinations and deals.

  • When it comes to finalising plans, value remains top of mind, with 60% saying the best time to book festival flights is their most helpful planning insight, while 58% depend on fare comparisons to make smarter choices.

To further assist Indians in charting their journeys, Neel Ghose added, “For travellers seeking inspiration, describing your ideal getaway on Skyscanner’s app-only AI feature, Savvy Search can help uncover temple cities, native lands, royal palaces, and more. The tool curates a list of destinations based on the prompts, directing you to Skyscanners flight search, letting you compare the best prices. And, when it comes to planning, for those looking to make the most of their holiday around a festival, a simple hack is to use the ‘Whole Month’ view to spot the cheapest days to fly around the date! Smart planning choices like these can help unlock cultural experiences without breaking the bank, letting you create memories and returning home with learnings that last a lifetime.”

A Broader Shift in Tourism

This growing interest is an indicator that culture-led exploration will also steer the future of the country’s tourism industry. Sharing insights on this rising phenomenon and its implications, Dr. Aditi Rawat, said, “This shift is being fulfilled by traditional towns and authentic locale-based experiences that connect travellers with communities and their way of life. Think the Northeast India, with its extraordinary cultural diversity and pristine landscapes, or Kerala, with its backwaters, classical art forms, and Ayurvedic traditions, both now firmly on the radar of discerning tourists. From tribal festivals in Arunachal Pradesh to tea and wellness in Assam, or narrative Kathakali performances in Thrissur, we are witnessing curated experiences true to each destination’s strengths. Coupled with leisure travel and government initiatives such as Dekho Apna Desh, Swadesh Darshan 2.0, and Adopt A Heritage, this cultural discovery is transforming tourism into a powerful custodian of India’s identity. It is revitalising economies, positioning diversity as a global asset, and turning sites and practices into hubs that attract global visitors, empower local communities, and shape the future of India’s tourism economy.”

Notes to the Editor:

Data based on a recent Skyscanner Cultural Tourism survey conducted from 4 to 11 August 2025, among 2,000 Indian adult travellers.

About Skyscanner

Skyscanner is a global leader in travel that helps travellers plan and book their trip with ease and confidence. Every month, Skyscanner connects millions of travellers, in 180 countries and 37 languages, to more than 1200 trusted travel partners so they can find flight, hotel or car hire options.

Founded in 2003, Skyscanner has offices worldwide, in Europe, Asia-Pacific and North America where traveller-first innovations are developed and powered by data and insights. Making use of the latest technology, Skyscanner simplifies the complexity of travel and provides honest and transparent solutions, searching around 100 billion prices every day so travellers can be sure theyve seen the best possible options, all in one place.

About Pahle India

Pahle India Foundation is a not-for-profit thinktank founded by Dr. Rajiv Kumar, former Vice Chairman of NITI Aayog. PIF provides a credible, trustworthy, and neutral platform for bringing together government, industry, academia and civil society to enable informed decision making. PIF works closely with these stakeholders to develop and implement policies in various sectors. Supporting the framing of tourism policies of state governments remains a key focus of PIF’s work.

(1) Skyscanner flight searches from India to Varanasi between 1 January – 31 July 2025 for travel in 2025 compared to the previous year.