Bajaj Finance has increased the maximum amount available under its personal loan offering from Rs. 55 lakh to Rs. 75 lakh. The revised limit expands the borrowing options available to eligible customers who need funds for significant personal expenses. The loan offers a collateral-free structure, repayment tenures of up to 108 months and a digital application process, subject to eligibility and applicable terms.
 

Bajaj Finance Personal Loan
 

The Bajaj Finance Personal Loan is designed to help individuals manage planned and unexpected expenses without pledging assets as security. The revised maximum amount allows eligible applicants to explore higher funding options based on their financial needs, income and repayment capacity.
 

Bajaj Finance Personal Loan: What has changed?

The maximum loan amount has increased by Rs. 20 lakh, from Rs. 55 lakh to Rs. 75 lakh. This gives eligible applicants access to a higher potential borrowing limit when assessing their financing requirements.
 

The revised limit may benefit customers planning major expenses, including medical treatment, home renovation, education, family events and other personal commitments. Instead of considering several funding options, eligible customers can assess whether a single personal loan meets their requirements.
 

However, the maximum limit does not guarantee that every applicant will receive Rs. 75 lakh. The final loan amount depends on the applicant’s income, credit profile, existing financial obligations and the lender’s assessment.
 

Flexible repayment options support financial planning

The Bajaj Finance Personal Loan offers repayment tenures ranging from 12 months to 108 months. This allows eligible borrowers to select a repayment period based on their financial circumstances and monthly budget.
 

A longer tenure can reduce the monthly EMI compared with a shorter tenure for the same loan amount and interest rate. However, it may increase the total interest payable over the loan period. Borrowers should therefore compare the monthly instalment with the overall cost of borrowing before selecting a repayment schedule.
 

For example, a customer who needs funds for a major expense may prefer a longer tenure to manage monthly repayments. Another customer with sufficient disposable income may choose a shorter tenure to reduce the total interest payable.
 

The appropriate tenure depends on individual circumstances. Reviewing income, existing EMIs and regular expenses can help borrowers select a repayment schedule that fits their budget.
 

What is the Bajaj Finance Personal Loan interest rate?

The Bajaj Finance Personal Loan interest rate ranges from 10% to 30.5% per annum. The applicable rate depends on the applicant’s profile, eligibility and the lender’s assessment.
 

The interest rate affects the monthly EMI and the total amount repayable. Applicants should also review the processing fee and other applicable charges before accepting a loan offer.
 

The Bajaj Finance Personal Loan EMI Calculator can help customers estimate their monthly repayments. By comparing different loan amounts, interest rates and tenures, applicants can assess the likely financial commitment before applying.
 

Who can benefit from the higher loan limit?

The increased maximum loan amount may benefit eligible individuals who need funds for substantial personal expenses. The loan can be considered for several requirements, including:

• Medical expenses: Meeting eligible healthcare costs and related payments.

• Home improvements: Funding repairs, renovations and other household projects.

• Education expenses: Managing education-related costs.

• Family commitments: Meeting expenses associated with significant family events.

• Other personal needs: Managing planned purchases or unexpected expenses.
   

The loan is collateral-free, so applicants do not need to pledge property or other assets as security. However, borrowing should be based on actual requirements and the ability to repay the loan throughout the selected tenure.
 

How does the application process work?

Customers can apply for a Bajaj Finance Personal Loan through the official website. The digital process allows applicants to submit their details and complete the required verification steps online.
 

The application process generally involves checking eligibility, providing personal and financial information, submitting the required documents and reviewing the loan offer. Applicants should check the approved amount, interest rate, tenure, EMI and applicable charges before accepting the offer.
 

Eligible applicants may receive funds within 24 hours* of approval, subject to verification, completion of formalities and applicable terms. The actual processing and disbursal time may vary depending on the application.
 

Minimal documentation and an online application process can make applying more convenient. However, approval is not guaranteed, and the final loan offer remains subject to the lender’s assessment.
 

Supporting informed borrowing decisions

With the maximum loan amount revised from Rs. 55 lakh to Rs. 75 lakh, Bajaj Finance now allows eligible customers to borrow a higher amount based on their financial needs and repayment capacity. Combined with flexible repayment tenures and a collateral-free structure, the offering allows applicants to assess borrowing options according to their financial needs.
 

Customers should review their repayment capacity, compare available tenure options and understand the total borrowing cost before applying. Careful financial planning can help them select a suitable loan amount and repayment schedule.
 

Interested customers can visit the official Bajaj Finance website to check their eligibility, explore the revised loan limit and review the applicable terms.
 

*Terms and conditions apply.
 

About Bajaj Finance Ltd.

Bajaj Finance Ltd. (BFL), a subsidiary of Bajaj Finserv Ltd., is a deposit-taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL serves over 124.43 million customers through a diversified portfolio comprising consumer loans, SME finance, commercial lending, rural lending, fixed deposits and payments, offered through Web, App and at 4,000+ locations. As a FinAI company, BFL is focused on continuous innovation through smart use of technology, data and analytics to drive seamless, simplified and personalized experiences for its customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BBB/Stable and a short-term rating of A-2 by S&P Global ratings. It has been assigned a ‘Baa3 Corporate Family Rating’ with Stable outlook from Moody’s Rating.

A credit score can offer useful insights into a person’s credit history and repayment behaviour. For borrowers, understanding this score can help them assess their credit profile, identify areas that may need attention and make informed financial decisions.

Bajaj Finance Credit Pulse Report: Check Credit Scores and Gain Insights into Credit Health

The Bajaj Finance Credit Pulse Report provides a way to check a credit score online for free and review available credit information. By checking their score and understanding the details in their credit report, individuals can gain a clearer view of their credit standing and take steps towards managing credit responsibly.

Why is checking a credit score important?

A credit score is a numerical summary of a person’s credit history. Lenders may consider it, along with income, existing financial obligations and other details, when assessing a loan or credit application.

Regular credit score checks can help individuals:

• Understand their credit standing: A score provides an overview of their credit history and repayment behaviour.

• Review their credit profile: Credit report details can help them understand their existing credit accounts and repayment records.

• Identify potential errors: Reviewing available information can help individuals spot unfamiliar accounts or incorrect payment entries.

• Track changes over time: Periodic checks can help them notice changes in their credit profile and investigate unexpected variations.

• Make informed borrowing decisions: Understanding their credit standing can help them assess their financial position before applying for credit.

Checking a score does not guarantee loan approval or a particular interest rate. Lenders assess applications using their own eligibility criteria and other financial information.

How can individuals check their credit score with Bajaj Finance?

Individuals can use the Bajaj Finance Credit Pulse Report to check their available credit score online. The process involves the following steps:

1. Visit the Credit Pulse Report page: Open the Bajaj Finance website and navigate to the Credit Pulse Report page.

2. Enter a mobile number: Provide the requested mobile number and complete OTP verification.

3. Submit the required details: Enter personal information, such as name, PAN, date of birth, email address and PIN code, as requested.

4. Complete verification: Submit the details to view the available credit score.

5. Review the available credit information: Check the credit details provided in the report, including account information, repayment history, outstanding balances and recent credit enquiries, where available.

Reviewing the report alongside the score can help individuals understand their credit profile in greater detail.

What factors can influence a credit score?

A credit score can change as information about credit accounts and repayment behaviour is updated. Several factors may influence it.

1. Repayment history

Timely repayment of EMIs and credit card bills can help establish a consistent repayment record. Missed or delayed payments may negatively affect a credit profile. Individuals can manage this by tracking due dates and ensuring that sufficient funds are available for scheduled repayments.

2. Credit utilisation

Credit utilisation refers to the proportion of available revolving credit being used. For example, if a credit card has a limit of Rs. 1 lakh and an outstanding balance of Rs. 70,000, the utilisation ratio is 70%.

Using a large share of the available limit may affect a credit profile. Keeping balances manageable and reviewing spending can help individuals manage their credit utilisation.

3. Recent credit applications

Applying for several credit products within a short period may result in multiple lender enquiries. Depending on the scoring model, these enquiries may affect the score. Individuals should assess their needs and repayment capacity before submitting new applications.

4. Length of credit history

The length of time a person has managed credit can provide insight into their borrowing behaviour. Individuals with limited credit histories may have less information available for credit assessment. A short credit history does not automatically indicate poor repayment behaviour.

5. Accuracy of credit information

Incorrect account details, duplicate entries or payment records that do not reflect actual transactions can affect the accuracy of a credit report. Individuals should review their reports and contact the relevant lender and credit bureau if they find discrepancies.

What is considered a good credit score in India?

Credit scores in India generally range from 300 to 900, although score interpretation may vary across credit bureaus and lenders. A score towards the higher end of the range is generally viewed more favourably, but it does not guarantee approval for a loan or credit card.

A score should be considered alongside the information in the credit report and the individual’s wider financial circumstances. Income, existing EMIs, employment or business profile and repayment capacity may also influence a lender’s assessment.

How can individuals maintain a healthy credit profile?

Checking a credit score is only one part of managing credit. Consistent financial habits can help individuals maintain an accurate credit record and manage borrowing responsibly.

• Pay dues on time: Track repayment dates and avoid missed EMIs or credit card payments.

• Manage outstanding balances: Keep credit card balances within a level that can be repaid comfortably.

• Apply for credit selectively: Avoid unnecessary applications and review eligibility criteria before applying.

• Review credit reports periodically: Check for unfamiliar accounts, inaccurate details and unexpected changes.

• Address errors promptly: Contact the relevant lender and credit bureau if the report contains incorrect information.

• Borrow within repayment capacity: Consider existing obligations, essential expenses and future commitments before taking on additional debt.

These practices do not guarantee a particular score, and improvements may take time as updated information is reported.

Building better credit awareness

Understanding a credit score helps individuals make sense of their credit history and repayment behaviour. While many people look for the best credit score in India, there is no single score that guarantees loan approval or the most favourable borrowing terms. A strong credit profile depends on several factors, including timely repayments, manageable credit utilisation and accurate credit information.

The Bajaj Finance Credit Pulse Report enables individuals to check their available credit score online for free and review relevant credit information. By checking their score regularly, identifying discrepancies and maintaining consistent repayment habits, they can better understand their credit standing and make informed financial decisions.

*Terms and conditions apply.

About Bajaj Finance Ltd.

Bajaj Finance Ltd. (BFL), a subsidiary of Bajaj Finserv Ltd., is a deposit-taking Non-Banking Financial Company (NBFC-D) registered with the Reserve Bank of India (RBI) and is classified as an NBFC-Investment and Credit Company (NBFC-ICC). BFL serves over 124.43 million customers through a diversified portfolio comprising consumer loans, SME finance, commercial lending, rural lending, fixed deposits and payments, offered through Web, App and at 4,000+ locations. As a FinAI company, BFL is focused on continuous innovation through smart use of technology, data and analytics to drive seamless, simplified and personalized experiences for its customers. BFL has the highest domestic credit rating of AAA/Stable for long-term borrowing, A1+ for short-term borrowing, and CRISIL AAA/Stable & [ICRA]AAA(Stable) for its FD program. It has a long-term issuer credit rating of BBB/Stable and a short-term rating of A-2 by S&P Global ratings. It has been assigned a ‘Baa3 Corporate Family Rating’ with Stable outlook from Moody’s Rating.

Unimech Aerospace & Manufacturing Ltd., a global high precision engineering platform specializing in manufacturing complex products, announced its unaudited financial results for the quarter and half year ended 30th September 2026.

Mr. Anil Kumar Puttan, Chairman & MD, Unimech Aerospace and Manufacturing Limited

Consolidated Financial Highlights (Rs. Mn)

For the quarter and half year ended 30th September 2026

• Revenue stood at Rs. 1,230.0 Mn, registering a strong 98% YoY and 14% QoQ growth supported by healthy demand and robust execution.

• H1 FY27 Revenue stood at Rs.2,306.2 Mn, achieving ~96% of FY26 Revenues

• EBITDA in Q2 stood at Rs.490.1 Mn up 164% YoY with robust margins of 40% and for H1 stood at Rs.882.6 Mn up 130% YoY highlighting operational excellence, a high-margin order mix, and strong operating leverage

• PAT in Q2 stood at Rs. 317.7 Mn, up 103% YoY and for H1 at Rs. 596.4 Mn, up 71% YoY capping a strong quarter of profitable growth and reinforcing our confidence in the momentum ahead

 Commenting on the performance, Mr. Anil Kumar Puttan, Chairman & Managing Director, said, “The financial year continues to progress on a highly encouraging note for Unimech, with Q2 delivering strong momentum across our core business lines. In H1 FY27, revenue reached Rs.2,306 Mn, representing an 85% year-on-year growth driven by robust demand execution and early returns from our strategic growth initiatives. Backed by a consolidated order book of Rs.8,546 Mn, we are operating from a foundation of exceptional financial and operational strength.

The most compelling part is the expanding visibility of our business model. Long-term supply agreements and award programs with premier global aerospace OEMs are successfully transitioning Unimech from short-cycle tooling into recurring, high-volume ‘flying part’ manufacturing. In Semiconductors, our dedicated 20-month development pipeline with global OEM major has generated commercial revenues in H1, with a sharp step-up anticipated in H2. Furthermore, with parts prove-out happening at full force, serial production scaling over coming quarters will create a compounding, multi-year revenue runway.

Building scale-ready infrastructure ahead of demand is fundamental to our growth philosophy. Our automated special-process cell installation is underway, and our Middle East expansion via the Saudi Arabia JV ensure we possess the floor space, technical capabilities, and global presence required by top-tier OEMs. As we integrate these assets, we remain deeply focused on disciplined execution, prudent capital allocation, and driving sustainable, high-margin growth.”

About Unimech Aerospace & Manufacturing Ltd: Founded in 2016 and headquartered in Bengaluru, Unimech Aerospace and Manufacturing Limited (BSE: 544322 | NSE: UNIMECH) is an advanced integrated global precision engineering solutions platform serving high growth industries across aerospace, defence, energy, oil & gas, semiconductors, and other high-performance industrial sectors. The Company specialises in complex build-to-print and build-to-specification, with capabilities spanning across precision machining, fabrication, welding, complex assembly, special processes, advanced testing and validation. Operating from a 5,63,000 sq. ft. manufacturing base spread across units in India and overseas. Unimech combines deep engineering expertise with advanced 3, 4 and 5-axis CNC machines, and a digitally enabled production ecosystem to deliver mission-critical components and engineered systems with micron-level precision. The Company is certified to AS9100, ISO 9001, IATF 16949 and ISO 45001, reflecting its commitment to quality, safety and compliance for globally regulated industries.

For more details on Unimech Aerospace and Manufacturing Ltd. – www.unimechaerospace.com

For Queries Contact

Dentsu One – Public Relations Abhishek Chawande / Sanjukta Ghadge
Email: abhishek.chawande@dentsu.com / sanjukta.ghadge@dentsu.com 
Contact: +91 96645 16774 / +91 9892689895

Caution Concerning Forward- Looking Statements:
This document may contain statements, which reflect management’s current views and estimates and could be construed as forward-looking statements. The future involves certain risks and uncertainties and could cause actual results to differ materially from the current views being expressed. Potential risks and uncertainties include factors such as general economic conditions, foreign exchange fluctuation, pricing pressures, competition and regulatory developments

Kauvery Hospital Radial Road, has successfully treated a 32-year-old woman who suffered a cardiac arrest while recovering from a minor procedure at a hospital. Following resuscitation, the patient continued to remain unconscious and was found to have severely compromised cardiac function. Further evaluation revealed a critical brain haemorrhage caused by complex cerebral vascular abnormalities, which also explained the cardiac arrest and poor heart function.

Kauvery Hospital Radial Road Saves 32-Year-Old Woman Through Complex Neurosurgery and Integrated Neurocritical Care

Recognising the need for urgent intervention, the hospital’s neuroscience team conducted further investigations, including a CT angiogram scan, which identified an underlying brain vascular condition that required emergency neurosurgical intervention.

The neurosurgery team, led by Dr. Krish Sridhar, Group Mentor, Neurosciences & Director, Institute of Brain & Spine, Kauvery Hospital Radial Road, performed emergency surgery under advanced cardiac output monitoring. The procedure involved securing a ruptured brain aneurysm and performing a rarely done surgical mechanical thrombectomy to address an obstructed prominent venous channel. Given the patient’s critical condition and compromised cardiac function, the procedure required close coordination between the neurosurgery and neuroanaesthesia teams, along with continuous monitoring to ensure patient safety.

Following the surgery, the patient was managed in the Neuro Intensive Care Unit by a team led by Dr. Ponniah Vanamoorthy, Head and Senior Consultant, Neuroanesthesiology & Neurocritical Care, Kauvery Hospital Radial Road, with advanced critical care monitoring. She responded well to treatment, with progressive improvement across clinical parameters, including cardiac function. Two months after the critical event, the patient has made a significant recovery, is near normal in her daily functioning, can independently carry out routine activities, and is preparing to return to her active life.

Commenting on the treatment, Dr. Krish Sridhar, Group Mentor, Neurosciences & Director, Institute of Brain & Spine, Kauvery Hospital Radial Road, said, “Early recognition of a Stroke, which is a major brain event, and emergency intervention through coordinated care across multiple neuroscience teams, were key to the successful outcome in this patient. Critical neurological conditions, especially bleeding in the brain, can sometimes affect the heart’s functioning and may present with cardiac arrest and poor cardiac function. In such situations, it is important to identify that the underlying cause is neurological rather than cardiac, as timely diagnosis will prevent delays in appropriate treatment.”

Dr. Ponniah Vanamoorthy, Head and Senior Consultant, Neuroanesthesiology & Neurocritical Care, Kauvery Hospital Radial Road, added, “Performing emergency and complex neurosurgery in a patient with severely compromised cardiac function presents significant clinical challenges. The expertise of the neurosurgery and neuroanaesthesia teams, supported by advanced monitoring techniques, was essential to managing the procedure safely. Equally important was the continued Neuro- Critical care in a specialised Neuro Intensive Care unit, following surgery, which helped support the patient’s recovery.”

Commenting on the treatment, Dr. Aravindan Selvaraj, Co-founder and Executive Director, Kauvery Group of Hospitals, said, “Managing complex medical emergencies requires the ability to recognise the underlying cause quickly and bring together the right clinical expertise at the right time. At Kauvery Hospital, our multidisciplinary approach combines specialised Neurosurgical intervention, advanced monitoring and dedicated Neurocritical care to manage high-risk conditions. This coordinated approach is central to our commitment to delivering comprehensive, high-quality care to patients, particularly when timely intervention is critical.”

About Kauvery Hospital

Kauvery Hospital is a leading multi-specialty healthcare provider in India, recognised for its commitment to clinical excellence, patient-centric care and advanced medical infrastructure. The hospital group operates a network of twelve hospitals across six key locations – Trichy, Chennai, Salem, Hosur, Tirunelveli and Bengaluru – and employs over 11,000 healthcare professionals. Serving millions of patients annually, Kauvery Hospital is dedicated to delivering high-quality secondary and tertiary care, supported by a strong focus on innovation, clinical outcomes and continuous advancement in healthcare delivery.

In one of the largest creator-led go-to-market executions during India’s peak festive shopping season, Motorola India partnered with leading influencer marketing agency Idiotic Media to deploy 800+ micro and macro creators for the Flipkart Big Billion Days (BBD) sale. The high-impact campaign generated over 406 million views, 3.31 million total engagements, and drove 1 million direct link clicks to Motorola’s Flipkart store pages, turning festive attention into immediate shopping action.

Micro creators turning 406M views for Motorola into 1M+ clicks with Idiotic Media

Navigating extreme digital ad clutter during BBD, Motorola bypassed traditional static banners in favor of a hyper-targeted, category-wise influencer strategy. Idiotic Media activated creators across YouTube and Instagram, segmenting them into Viral, Tech, Fashion, Retail, and Giveaway verticals. Micro-tech and retail creators broke down real-world smartphone capabilities, driving high-intent shoppers straight to conversion.

The 10-day execution not only delivered immediate performance ROI but also expanded Motorola’s social brand equity, gaining over 250,000 new followers, with 140,000 added during the peak sale window alone, 13.23% growth.

Girish Kumar, Brand & Marketing Lead at Motorola, said, “Breaking through festive ad noise requires moving from conventional broadcasting to conversational marketing. In partnership with Idiotic Media, putting micro-influencers at the heart of our strategy allowed us to deliver over 400 million views and 1 million link clicks, turning seasonal buzz into measurable business impact. Plus the highest ever social media & SOV growth in a month’s time with significant impact in searches & buzz across the mediums and platforms.“

Himanshu Singla, Founder & CEO at Idiotic Media, added, “Relatable human storytelling will always outperform generic sales banners. By surrounding festive shoppers with authentic content across viral, giveaway, and tech niches, we helped Motorola build trust at scale and convert casual viewers into an active community of buyers.“

About Idiotic Media

Idiotic Media is a leading influencer marketing and meme marketing agency in India, dedicated to making brands culturally iconic. Operating under parent company Creatify Media, Idiotic Media leverages a network of over 165,000 creators and 10,000 meme pages to deliver social-first, UGC-driven storytelling and attention catching midro-dramas that transforms brands into conversational talking points. Pivoting into creator-led storytelling and micro dram.

Infinity Timeless and Chopard brought together Chennai’s elite on Friday, 23 October 2026, for an evening of music and delectable cuisine marking 50 years of Happy Diamonds, one of the most beloved creations in modern watchmaking and fine jewellery. Held at SOMA, Pullman Hotel, Anna Salai, the evening ran from 6 PM to 10 PM. It opened with a showcase of the collection and flowed into a convivial cocktail evening.
 

Infinity Timeless and Chopard celebrate 50 years of Happy Diamonds
 

The dazzling watches and jewellery on display were carefully curated from Chopard’s extensive catalogue and brought in from Geneva especially for the occasion. The showcase spanned some of the Maison’s most celebrated lines, including L’Heure du Diamant, Happy Diamonds, Happy Sport, Alpine Eagle and Imperiale. Connoisseurs and brand aficionados were seen engaged in deep conversation over the beautiful creations, lingering over the finer details of each piece as the evening unfolded.
 

The milestone being celebrated goes back to 1976, when Chopard introduced Happy Diamonds with a simple yet revolutionary idea: diamonds that move freely between sapphire crystals, dancing with every gesture of the wearer. What began as a playful departure from the conventions of fine jewellery soon became a signature of the House, recognised the world over for its sense of joy and movement.
 

Over five decades, that idea has continued to evolve. In 1985, Caroline Scheufele created the Happy Clown jewellery collection, extending the dancing diamonds philosophy into a whimsical and expressive world of its own. In 1993, Chopard launched Happy Sport, a collection that brought together steel and diamonds and gave the concept a modern, versatile character. Each chapter has stayed true to the spirit of the original while finding new ways to express it.
 

The House’s watchmaking credentials have deepened in parallel. Karl-Friedrich Scheufele, Co-President of Chopard, founded the Chopard Manufacture in Fleurier in 1996, giving the Maison the ability to craft its own movements and strengthening its standing in fine watchmaking.
 

The evening was as much a celebration of craftsmanship as of community, bringing together people who appreciate the artistry behind every creation. With pieces travelling from Geneva to Chennai for the occasion, guests had the rare opportunity to experience the collection up close, in an atmosphere that matched the lightness and joy of the diamonds at its heart. Music and fine cuisine set the tone, turning a collection showcase into a warm, relaxed gathering where conversation flowed as freely as the diamonds themselves.
 

As Happy Diamonds enters its next fifty years, its message remains as fresh as it was in 1976: that luxury can be playful, and that a diamond is never more beautiful than when it is free to move.

As farmers across India prepare for the rabi season, fertiliser management remains a key consideration in crop productivity, soil health and cultivation costs. Amid growing attention to nutrient-use efficiency and sustainable agriculture, Vardaan, developed by The Art of Living Sri Sri Naisargik, a 100% organic bio-fertiliser, is emerging as a biological alternative to conventional fertiliser practices.

Vardaan: Nurturing Soil Health Through Nature-Based Crop Nutrition

Phosphate supports root development, energy transfer, and plant growth. However, soil interactions can make much of the applied Phosphate unavailable, limiting nutrient uptake despite fertiliser application.

The challenge highlights the importance of improving Phosphate availability while supporting the natural biological processes that sustain soil fertility.

Vardaan: A Biological Approach to Phosphate Nutrition

With its focus on Phosphate solubilisation, beneficial microorganisms and essential nutrients, Sri Sri Naisargik’s Vardaan represents a nature-based option for farmers seeking to explore alternatives to conventional DAP-centred fertiliser practices while prioritising soil health and sustainable productivity.

Vardaan is a phosphate-rich organic manure produced using cold-pressed technology designed to preserve beneficial microbial activity. Its formulation contains 14 microbial consortia that support Phosphate solubilisation, helping convert certain forms of otherwise unavailable Phosphate into forms that plants can absorb.

Unlike conventional fertilisers that primarily supply nutrients directly, biological inputs such as Vardaan work by supporting the processes through which nutrients become available to plants. This approach offers farmers another option to consider as they seek to balance crop requirements with soil restoration.

Addressing Farm Economics Through Nutrient Efficiency

Fertiliser efficiency plays a vital role in farm economics, as rising cultivation costs and the need to sustain crop productivity make effective nutrient management increasingly important. When applied Phosphate becomes unavailable to crops, its nutritional benefits may be limited. Improving nutrient availability and supporting soil biological activity can help enhance nutrient-use efficiency.

Vardaan is designed for application during soil preparation or early crop growth to support root establishment and plant development. It can be incorporated into farming practices across cereals, pulses and horticultural crops, following crop-specific recommendations. As an organic biological input, Vardaan may form part of an integrated nutrient management strategy. Its use as an alternative to DAP should consider soil-test results, crop nutrient requirements, Phosphate availability, and agronomic guidance to ensure adequate crop nutrition.

Strengthening Soil Health for Sustainable Agriculture

Healthy soil is a living ecosystem where microorganisms, organic matter, minerals, water and plant roots work together to support nutrient cycling and crop growth. Intensive cultivation and declining soil organic carbon can disrupt these processes, highlighting the importance of maintaining soil health.

Vardaan promotes a nature-based approach that emphasises nutrient availability, beneficial microbial activity and soil vitality alongside crop nutrition. This product forms part of The Art of Living – Sri Sri Naisargik’s broader commitment to soil restoration and sustainable agriculture.

Towards a More Balanced Approach to Crop Nutrition

As India enters another rabi season, farmers will continue to evaluate fertiliser choices based on crop performance, input costs and soil conditions. Biological inputs such as Vardaan offer an additional approach to consider within a balanced crop nutrition programme.

The long-term objective is to combine adequate crop nutrition with practices that support soil vitality, improve nutrient-use efficiency and strengthen agricultural resilience. Rather than viewing soil fertility solely through the quantity of nutrients added, a more comprehensive approach recognises the role of soil biology in making those nutrients available.

About The Art of Living – Sri Sri Naisargik

As a flagship initiative of The Art of Living, Sri Sri Naisargik is an innovation-led enterprise developing sustainable, nature-based and technology-enabled solutions for environmental protection, resource recovery, rural development and climate resilience. Its portfolio addresses land, water, air and odour pollution mitigation, along with solid waste management through practical solutions that combine innovation with measurable environmental, economic and social impact.

Web: srisrinaisargik.com 

Email: executiveoffice@projects.artofliving.org

Phone: +91 9036 254 532

Follow: www.instagram.com/artofliving.ssn

Like: www.facebook.com/srisrinaisargikssn

Message: www.linkedin.com/company/sri-sri-naisargik

YouTube: www.youtube.com/@SriSriNaisargikSSN