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Unlock Lower Gold Loan Interest Rates: Bajaj Finance Shares Tips to Save on Borrowing Costs

A gold loan is a simple way to borrow money by pledging your gold jewellery. Many people choose this option when they need quick funds for personal or emergency needs. Since gold loans are secured, they usually come with lower interest rates compared to personal loans. Understanding how gold loan interest rates are calculated can help you make better borrowing decisions and save money in the long run. Bajaj Finserv Gold Loan offers a simple borrowing process with competitive interest rates, making it a reliable and affordable option for those seeking quick funds.

Bajaj Finserv Gold Loan

What is a gold loan interest rate

The gold loan interest rate is the amount charged by the lender on the borrowed sum. It depends on factors like the loan amount, repayment period, and the purity of the gold you pledge. Bajaj Finance offers gold loans starting from Rs. 5,000 to as high as Rs. 2 crore, with flexible tenures of 1 day to 12 months. Interest rates can range between 9.50% and 24% per annum.

Tips to lower your gold loan interest rate

Securing a gold loan can provide quick financial relief, but managing the interest rate is crucial for keeping overall costs down. Here are some effective tips to help you reduce your gold loan interest rate:

  • Choose a shorter tenure: Opting for a shorter repayment period can significantly lower your overall interest charges. With a reduced loan tenure, lenders usually offer lower interest rates, as the risk is spread over a shorter time frame.

  • Pay interest regularly: If you make regular payments towards your interest, such as on a monthly or bi-monthly basis, it can help you reduce the compound interest that accrues. Staying punctual with payments ensures you avoid penalties and interest accumulation.

  • Make part-prepayments: Making part-prepayments towards your loan can lower your principal balance. By reducing the outstanding principal, you decrease the amount of interest charged over the loans life, leading to significant savings.

By adopting these strategies, you can effectively manage your loan and keep interest rates low, making your gold loan more affordable in the long run.

Importance of gold rate per gram

The gold rate per gram is a key factor in deciding your loan amount. The higher the gold price, the more you can borrow. Bajaj Finance values your gold based on current market prices, gold purity, and weight, and then offers a loan accordingly. So, when gold prices are high, you may get a better deal. To make things easier, you can use the Bajaj Finserv Gold Loan Calculator to check how much loan amount you may be eligible for. It helps you plan better by giving a quick estimate based on the gold rate per gram and gold purity you enter.

Simple and quick application process

Getting a gold loan from Bajaj Finance is quick and easy:

  1. Click on “Apply” to initiate online application.

  2. Enter your 10-digit mobile number and click on “Get OTP.”

  3. Submit the OTP to verify your identity.

  4. Fill in your personal details and select the nearest gold loan branch.

  5. Download the loan eligibility letter

After evaluating the gold and verifying your documents, your loan is approved and disbursed, usually on the same day.

Final thoughts

A gold loan is a simple and smart way to meet urgent financial needs. With the right plan, you can keep your gold safe, get money when needed, and repay at your pace. Bajaj Finance offers competitive gold loan interest rates, easy processes, and the flexibility you need. Keeping track of the gold rate per gram and making timely payments can help you save more in the long run.

To learn more or to apply for a gold loan, visit the nearest Bajaj Finserv branch or apply online today.

T&C Apply.

About Bajaj Finance Limited

Bajaj Finance Ltd. (‘BFL’, ‘Bajaj Finance’, or ‘the Company’), 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 is engaged in the business of lending and acceptance of deposits. It has a diversified lending portfolio across retail, SMEs, and commercial customers with significant presence in both urban and rural India. It accepts public and corporate deposits and offers a variety of financial services products to its customers. BFL, a thirty-five-year-old enterprise, has now become a leading player in the NBFC sector in India and on a consolidated basis, it has a franchise of 80.41 million customers. Bajaj Finance has a credit rating of AAA/Stable for its Fixed Deposit program from CRISIL and ICRA, AAA/Stable for long-term borrowing from CRISIL, India Ratings, CARE and ICRA, and A1+ for short-term borrowing from CRISIL, India Ratings and ICRA. It has a long-term issuer credit rating of BBB-/Stable and a short-term rating of A-3 by S&P Global ratings.

To know more, visit www.bajajfinserv.in.

Positioning Bharat as VishwaGuru in the Global Tech Landscape says MoS for Communications, Dr. Chandra Sekhar Pemmasani at Bharat 6G 2025, New Delhi

India is set to take a monumental step towards shaping the future of wireless connectivity with the Bharat 6G 2025 International Conference and Exhibition, a premier global event dedicated to exploring cutting-edge advancements in 6G technology. Scheduled to take place on May 14, 2025 in New Delhi, this landmark conference will bring together leading researchers, policymakers, industry pioneers, and technology enthusiasts from across the world. Organized by Bharat Exhibitions, Bharat 6G 2025 aimed to position India at the forefront of next-generation telecommunications by fostering innovation, collaboration, and strategic partnerships. The conference served as a dynamic platform for discussions on the technological roadmap, infrastructure development, regulatory frameworks, and real-world applications of 6G. With India rapidly advancing its telecom infrastructure and digital ecosystem, Bharat 6G 2025 served as a catalyst for global partnerships, technological breakthroughs, and future-ready solutions that will define the digital era.

Dr. Chandra Sekhar Pemmasani, Hon’ble Minister of State for Communications, Ministry of Communications, Govt. of India

Mr. Shashi Dharan, Managing Director, Bharat Exhibitions in his welcome address said, “Led by the Government of India in collaboration with industry leaders, academia, and research institutions, 6G is set to redefine digital infrastructure, ensuring affordable, ultra-fast, and secure communication across urban and rural areas. It will integrate cutting-edge advancements in Artificial Intelligence (AI), quantum computing, and non-terrestrial networks, creating a seamless and intelligent ecosystem.”

Dr. Chandra Sekhar Pemmasani, Hon’ble Minister of State for Communications, Ministry of Communications, Government of India who joined the conference as the Chief Guest remarked, “Today we are at the threshold of technological evolution that will shape human life altogether. We have witnessed 5G rollouts immediately after announcement. We have made domestic 4G and 5G manufacturing within the country under the aegis of Make in India”. He also emphasized that 6G will enable sub-millisecond latency, making real-time applications a reality across vast distances. The future 6G networks will be highly intelligent, self-optimizing, self-healing and capable of predictive resource allocation through integrated AI. This will extend connectivity beyond traditional terrestrial networks, covering everything from underwater to airspace, and offering volumetric connectivity for a new generation of applications. With the ability to handle an exponential increase in connected devices, 6G will create new industries and revolutionize existing sectors, adding up to $1 trillion to Indias economy by 2030.

Guest of Honour, Shri A. Robert J. Ravi, ITS, Chairman & Managing Director, Bharat Sanchar Nigam Ltd. in his address said, “BSNL is involved in BharatNet, a program aimed at improving fiber broadband penetration in rural India. Future-Ready Networks: We are associated with around 60 institutions associated with 6G research as of now. We are associated with the first standards of the country. India is actively involved in close to 500 different research projects, focusing on 6G technologies and beyond. It is very importance to have India-specific standards for 6G. The goal is for India to hold at least 10% of the global patents in 6G, ensuring the country’s leadership in setting standards for future technologies.

Ms. Aruna Sundararajan, Chairperson, BIF and Former Secretary, DoT in her introductory address stated, “As far the digital landscape is concerned, India has become a pivotal player. We have also pioneered a digital developed environment which is inclusive and impactful so that governance is inclusive to everyone. On the 6G front, India has ambitious plans, aiming to contribute 10% of global 6G patents and position itself as a leader in next-generation telecom innovation. Cyber security and AI are important aspects in this process.”

Mr. Manish Arora, Executive Director & Chief Revenue Officer, 6D Technologies in his keynote address said, “Now is the time to leap forward with 6G. The future of 5G and beyond is shaping industries worldwide, with innovations in AI-driven networks, IoT expansion, and ultra-low latency applications. Intelligence convergence, real time and secured is the paradigm shift we all are looking at. Innovation, inclusion and self reliance are pillars for the success of 6G deployment in the country.”

Mr. Shyam Mardikar, Group Chief Technology Officer (Mobility), Reliance Jio presented the operator address, “Jio offers a range of mobility solutions designed to provide seamless connectivity across India. Their services include 4G and 5G mobile plans, enterprise mobility solutions, and IoT connectivity for businesses. Jio is actively shaping the future of 6G through its Jio Platforms Limited (JPL) division. The company is focused on connected intelligence, global service coverage, extreme experiences, sustainability, and trustworthiness in the 6G era, he stated. Pervasiveness is what 6G is all about. Lucidity around everything is fluid at the moment, but something big is going to hit us very soon, powered by AI and manufactured by Indian market, he explained.

Mr. Sandeep Saxena, Head of Technology and Solutions (Mobile Networks), Nokia India in his industry address said, “We all are talking about 6G sitting in an era of 5G. Where are we today If we look at, in terms of 5G, incidentally, globally used case of 5G was LTE. We all see 6G as a fusion of the digital, physical, and human world, enabling extrasensory experiences and intelligent knowledge systems.

Mr. Mahesh Krishnaswamy, Founder & CEO, Taara while delivering the industry address was heard saying, “The vision of 6G is to create a ubiquitous, intelligent, and secure communication network that enhances human experiences and enables futuristic applications. It is expected to revolutionize industries by integrating AI-driven automation, terahertz (THz) spectrum, and space-terrestrial networks. Impossibility and inclusivity are areas where Taara focuses on. Taara, developed by Google X, is an innovative project that uses light beams to provide high-speed, cable-free internet. This technology has the potential to complement 6G networks, especially in remote and underserved areas where laying fiber is impractical.”

In his special address, Lt. Gen. Dr. S.P. Kochhar, Director General, COAI was heard quoting, “COAI plays a vital role in India’s 6G development, advocating for spectrum allocation, AI-driven telecom growth, and policy frameworks. It supports the Bharat 6G Vision, aiming for 10% of global 6G patents, while highlighting challenges like low 5G monetization that could impact 6G rollout. Alignment between operators, regulators, and government are important for Indias next-gen telecom advancements.”

Mr. N G Subramaniam, Chair, Bharat 6G Alliance in his special keynote address stated, “The future of the Bharat 6G Alliance (B6GA) is focused on making India a global leader in 6G technology by 2030. The alliance is working on spectrum allocation, AI-driven networks, and sustainable telecom solutions to shape Indias next-generation connectivity. AI is expected to lead the development of 6G’s requirements and will be deeply integrated into the systems that underpin this next generation of communication technology. AI will be embedded within the 6G environment, creating more intelligent and efficient networks.”

Brig. Anil Tandan, Director General, Broadband India Forum gave the Vote of Thanks.

Other eminent speakers during the Summit included Shri Anil Kumar Bhardwaj, DDG, DoT, Ministry of Communications, Ms. Jeanette Whyte, Head of Public Policy & External Affairs, APAC, GSMA, Mr. Mihir Oza, Strategic Advisor -IT, 6D Technologies, Mr. Arun Gopinath, Head of Mobile Networks Technology Centre, Nokia (Bangalore), Mr. William Oliver, Senior Director of Product, Syniverse, Mr. Bhaskar Choudhuri, Executive Director – Technology Consulting, PwC India, Mr. Siddhartha Sharma, Solution Manager, HUBER+SUHNER, Mr. Mombasawala Mohmedsaeed, General Manager – New Technology Initiatives, Keysight Technologies, Mr. Dharmender Khajuria, National Head – Network Partnerships, Bharti Airtel, Prof. Brejesh Lall, IIT Delhi, Mr. R.K. Pathak, Director General, Bharat 6G Alliance, Mr. Dinesh Chand Sharma, Director – Standardization, Policy & Regulation, SESEI, Dr. Sonali Garg, Senior Manager, Standards and Research Group, HFCL Limited, Col. Suresh Warrier, Head, Communication Technology, Elena Geo Systems, Dr. Pimmy Gandotra, Lead-5G Analytics and Standards, Bharti Airtel, Mr. Debashish Chakraborty, Senior Director, Advocacy & Industry Engagement, GSMA, Mr. Manoj Jain, Global Head Marketing, 6D Technologies, Mr. Manoj Gurnani, Head of Strategy & Technology, Nokia (India), Mr. Pradeep Bhardwaj, Sr. Strategy Director & Head of Industry Standards, Syniverse, Mr. Saurabh Mittal, Principal Consultant, TATA Consultancy Services, Dr. Shiv Kumar, Director General, ITS India Forum.

The event was partnered by Department of Telecommunications, Ministry of Communications, 6D Technologies, Taara, Nokia, BSNL, Syniverse, Maksat Technologies, Huber+Suhner, E-Spectra Solar, Keysight Technologies, SteelBull, Bharat 6G Alliance, COAI, ETSI, TSDSI, Digital Infrastructure Providers Association (DIPA), GSMA, ITU-APT Foundation of India, ITS India, Saartek, STPI, Communications Today, The Marcom Avenue, Broadband India Fourm.

For more information, please visit: www.bharatexhibitions.com/en

AlphaBake Launches First Ever Virtual Try-ons for Online Clothing Brands

AlphaBake, a pioneer in generative AI solutions for the fashion industry, has launched a virtual try-on option for online clothing brands, which combines the best of GenAI foundational models with proprietary AI models and workflows, to create a seamless and scalable customer experience saving time and energy. The new virtual try-ons offer much more promise in personalization and real business impact on ground compared to all the previously implemented versions like Kiosks or life size mirror like implementations in the past.

AlphaBake, a pioneer in generative AI solutions for the fashion industry is redefining shopping experience with their virtual try-on option for online clothing brands

Launched commercially with brands – www.prasantisarees.com, Jade Blue and www.maatshi.com – virtual try-ons deliver a scalable and photorealistic try-on experience driving higher conversions, boosting revenue, cutting customer acquisition costs and increasing top-of-funnel traffic.

Sharing more details, Krishna Sumanth, CEO & Founder of AlphaBake said, “In today’s fast-paced world, virtual try-ons are a boon helping customers see how clothes look on them in different settings, like indoor or outdoor, day or night, by uploading photos with real lighting. Close to 40% of try-ons are shared with others on WhatsApp or Instagram and close to 15% try-ons are added to carts by the customer increasing sales for the brands. AlphaBake is redefining and enhancing shopping experience by leveraging technology to connect the digital and the physical world, and empowering customers to make smarter decisions. We are on a mission to give new-gen AI-powered experience to all our users targeting Trillion Try-ons over the next 3 years!

AlphaBake’s efficiency and personalisation give customers better control over selection, allowing users to upload their image and instantly see how the garment looks on them. Clothing brands can integrate this intuitive interface with their websites, and it is especially easy for those brands who have built their D2C website on Shopify. Application Programming Interface (APIs) are also available for non-Shopify platform.

On the virtual try-ons, Anand Krishnamoorthy, Founder & CEO, Prashanti sarees said, “We have been using Alphabake’s Virtual try-on software for Prashanti, and it has been a game-changer for us. The ability for our customers to visualize sarees on their own photos has significantly enhanced their shopping experience. Since we integrated Alphabake into our platform, the results have been very impressive. Customer engagement has gone up sharply, and we have seen a noticeable improvement in our conversion rates. It genuinely feels like magic when you see the try-on outputs – they are realistic, intuitive, and easy to use. The product itself is very innovative, and it’s clear that the team behind it has continuously refined the algorithm to deliver even better results over time. It’s a strong testament to the capabilities and vision of the founding team. Overall, Alphabake has added real value to our business and to our customers, and we look forward to seeing how it continues to evolve.

With online retailers continuing to close the gap between digital and virtual spaces, AlphaBake is tackling this challenge by making the virtual try-on experience as real as possible. The new-gen AI-powered technology developed by AlphaBake is detailed and has an increased rate of customer engagement and conversions. With AI models improving rapidly, AlphaBake envisions the try-on experience evolving into a default feature in online fashion shopping, helping businesses boost their experience and conversion.

About AlphaBake

AlphaBake, a pioneer in generative AI solutions for the fashion industry, is driving innovation and efficiency. At AlphaBake, they have combined the best of GenAI foundational models with their proprietary AI models and workflows, to create a seamless and scalable virtual try-on experience. Their solution allows users to upload their image and instantly see how a garment looks on them-within just a few seconds.

The intuitive interface requires no learning curve, making it easy for users to engage. Brands can easily integrate this solution on to their website within a minute. This is especially easy for those brands who built their D2C website on shopify!

MP Ashok Kumar Mittal Congratulates Students on their Class XII Results

Dr. Ashok Kumar Mittal, Hon’ble Member of Parliament (Rajya Sabha) and Founder Chancellor of Lovely Professional University, extended his heartfelt congratulations to students across the country who have successfully completed their CBSE Class 12 board examinations. He applauded their dedication, and hard work, particularly in navigating the post Covid-19 challenges in the past few years. “This marks not just the end of a school chapter, but the beginning of an exciting new journey in life,” he said.

Dr. Ashok Kumar Mittal, Hon’ble Member of Parliament, Rajya Sabha

Dr. Mittal has advised students to embrace the next phase of their educational path with open minds and a spirit of exploration. “College life is a period of immense growth, where students are tested intellectually, emotionally, and socially. It is a time to pursue your passions, develop critical thinking, and prepare yourself to contribute meaningfully to society. While academic rigour remains important, I urge students to also focus on cultivating curiosity, compassion, and character to make themselves well rounded individuals.”

Dr. Mittal praised the Central Board of Secondary Education (CBSE) for continuing its policy of not releasing a list of board examination toppers, calling it a commendable move that recognizes the diverse ways in which students succeed. “A students potential and future success cannot be determined by marks alone. Values, creativity, and a willingness to learn continuously are far more indicative of what one can achieve in life.

In a personal message, Dr. Mittal stated, “To every student who appeared for the board exams this year, know that you are more than a mark sheet. Celebrate your effort, reflect on your journey, and step into the future with courage and purpose. The world needs learners who lead with empathy and integrity.

NAR-India Appoints Real Estate Leader Ashwinder R. Singh as Advisor

NAR-India has appointed Ashwinder R. Singh as Advisor for the 2025-2026 term. A senior leader in India’s real estate and financial services sectors, Ashwinder currently serves as Chairman of the CII Real Estate Committee (Northern Region) and Vice Chairman & CEO at BCD Group.

Ashwinder R. Singh

With over two and a half decades of experience across real estate development, institutional lending, and channel partner ecosystems, Ashwinder has held leadership positions at Bajaj Housing Finance, where he co-founded the B2B home loan vertical and managed one of India’s most active construction finance portfolios. His earlier roles include CEO of JLL Residential, Co-founder & CEO of ANAROCK, and CEO of Bhartiya Urban, where he led the development of a 150-acre integrated township.

In its official communication, NAR-India noted, “Ashwinder’s strategic depth and commitment to industry evolution will significantly strengthen our national vision and stakeholder engagement.”

Commenting on his appointment, Ashwinder said, “It is an honour to contribute to the real estate fraternity through NAR-India. I have always believed that trust, insight, and disciplined execution are the cornerstones of long-term value creation.”

Ashwinder is also the bestselling author of three widely acclaimed real estate books – one of which was featured on Shark Tank India – and serves as an advisor to several PropTech and FinTech startups. His appointment comes at a time when India’s real estate sector is undergoing rapid transformation, with increasing focus on transparency, digitization, and sustainable growth.

Digital Vs Physical Gold: How Wizely Sets the New Standard

In today’s investment landscape, gold remains a trusted asset for Indian investors. Traditionally, physical gold as jewellery or coins has a popular choice for wealth preservation and growth. Digital gold is a modern alternative thats gaining an advantage.

It allows investors to buy, sell, and store gold online without any hassle. While physical gold has drawbacks like storage and handling, digital gold is popular for the ease it provides. Wizely stands out among various apps that allow investment in this asset online with its simple interface and smart features.

It offers live tracking of gold prices, secure storage, and instant withdrawals. Here’s how Wizely makes gold savings smarter and more convenient.

Digital Gold vs Physical Gold: Which is Better

Physical gold offers ownership in coins or jewellery and acts as a hedge against inflation. It offers liquidity but requires safe storage and insurance, and in some cases, high making charges. Often times, buyers may face issues like a high initial investment amount, risk of theft, and lack of physical documentation about purity or hallmarks.

Digital gold provides a modern means to invest in gold online using apps and websites. It enables investors to buy small quantities of gold without physically securing it themselves. With real-time pricing that reflects the market price of physical gold as well as easy liquidity, digital gold suits tech-savvy investors.

Here is a quick comparison between the two:

Parameters

Physical Gold

Digital Gold

Accessibility

Requires buying in fixed quantities like 10g or more

Can invest fractionally with as little as Rs. 100

Price Homogeneity

Differs by cities, stores, and sellers when it comes to jewellery

Prices may vary across platforms, but are linked to live market prices

Additional Costs

Making charges add 20-30% to the actual gold price, and 3% GST is the norm

Only 3% GST is charged on the purchase

Storage

Requires physical storage at secure vaults, bank lockers, or at home

Stored safely in secure vaults as per the provider on behalf of the buyer

Taxes on Gains from Selling Gold

Gains are taxed based on slab rates if gold is held for less than 3 years and at 20.8% if held for more than 3 years

The same tax laws apply to digital gold as physical gold

Ease of Buying and Selling

Can be sold through jewellers or personal connections and bought from banks, non-banking financial institutions, Indian Government mint sales offices, and jewellers

Can be bought online at any time and redeemed as physical gold or sold on the app or website

How Wizely Simplifies Gold Investing for Savvy Investors

Wizely strives to make digital gold investments effortless. Here are some features of this robust app:

  • One can start investing in 24K pure digital gold with as little as Rs. 100 without waiting to accumulate a larger corpus

  • When customers invest in digital gold online, a physical equivalent is securely stored in vaults/bank lockers by trusted partners

  • Investors can stay updated with live gold prices displayed on the app, ensuring informed decision-making

  • Investors can buy or sell gold anytime with instant withdrawals, offering the flexibility of capitalising on market fluctuations and managing investments easily

  • Users can invest in digital gold without the hassle of setting up a separate Demat account

  • Digital gold investments on this app require no physical documentation and offer complete transparency

Stepwise Guide to Start Investing on Wizely

To get started with their digital gold investment and savings journey, customers may begin by downloading the app. The Wizely app is available on both the Google Play Store and the Apple App Store.

Once customers install the app on their device, they can follow these simple steps on logging in for the first time:

  1. Enter mobile number and email and verify with an OTP

  2. Set the app PIN for security

  3. Enter the name as per PAN details

  4. On the home page, click on ‘Buy Gold’

  5. Choose the amount to invest, starting from as low as Rs. 100

  6. Click on ‘Complete KYC’ and enter the PAN number for verification

  7. Complete the payment process (Wizely locks the current gold rate for 7 minutes until consumers complete the purchase)

Consumers can then monitor their gold investment in real time through the apps dashboard​ and sell or redeem the investment for physical gold whenever required.

With digital gold now offering a secure and convenient way to partake in the yellow metal, savvy investors are making the switch. Wizely helps in this process with features such as:

  • Minimum investment amount starting at just Rs. 100

  • 99.99% 24K pure gold from SafeGold certified by NABL

  • Instant and hassle-free process to buy or sell gold

  • Protection of gold in highly safe vaults

With the Wizely app, users can track live gold prices and make smarter buy-sell decisions for better profits. For anyone who wants to invest in digital gold smartly and conveniently, Wizely is one of the best solutions. Users can download the Wizely app and begin saving in gold today to upgrade their investment portfolio!

Sancta Maria International School Shines Bright: Wins the Honoured Cambridge Academic Excellence Award 2025

In a remarkable triumph that underscores the spirit of academic excellence, Sancta Maria International School has clinched the prestigious Academic Excellence Award at the Cambridge South Asia Conference 2025. Participating with over 1,000 elite schools across South Asia, including 794 institutions from India, Sancta Maria emerged as a trailblazer in innovation, consistency, and transformative learning.

Sancta Maria team with the Academic Excellence Award

The award is a significant recognition of the school’s consistent focus on high academic standards and student-centered learning. The selection criteria for this award include innovation in teaching practices, consistency in academic outcomes, student achievements, and the school’s positive impact on transforming learning communities-underscoring the effort and commitment it takes to earn such recognition.

On this occasion, Ms. Hema Sanjay, Principal of Sancta Maria International School, shared her joy and pride, saying “This award is more than a recognition-it’s a celebration of every students dream, every teachers tireless effort, and every parents unwavering belief in us. It’s a testament to the power of community, commitment, and courage. Together with our parents, we deliver what we promise to our students-excellence in all things: In Omnia Excellentia. Our hearts are full, our vision is clear, and our journey of empowering young minds has only just begun!”

Sancta Maria’s teaching approach focuses on building strong academic foundations through a balanced curriculum that includes science, mathematics, humanities, languages, and the arts. With real-world exposure through global exchange programmes and future-ready pathways, the school ensures that every student is prepared not just for exams, but for life. Students have earned recognition through Cambridge Outstanding Learner Awards and secured admissions to top global and Indian universities.

On this proud occasion, Ms. Sreelatha, Head of Middle School, shared her thoughts, “This award is a testament to the innovative spirit that drives our teaching and learning every day. At Sancta Maria, we encourage our teachers to embrace creativity and meaningful practices, ensuring that every learner finds joy and meaning in their learning journey. It celebrates not just outcomes, but the growth, curiosity, and resilience we nurture in our classrooms.”

Echoing this sentiment, Ms. Vaishali, Head of High School, added, “We are truly proud of this recognition, as it highlights our commitment to professional excellence and continuous growth. Our teachers are lifelong learners who constantly evolve to meet the needs of our students. This award reflects our shared mission-to empower every student to discover their strengths, embrace challenges, and step confidently into the future.”

Key contributors to this success include the school’s structured learning programmes, active participation in International Schools Partnership (ISP) exchange initiatives, and a strong emphasis on preparing students for both higher education and real-world careers. Sancta Maria continues to nurture well-rounded learners who grow with confidence, responsibility, and a future-ready mindset.

For more information, please visit sanctamaria.in.

Yubi’s Report Reveals 79% of Loans Now Reach Tier 2/3 Cities as Partnership Lending Booms

Executive Summary

  • Co-lending boomed with a 3x growth in agreements since 2021 catalyzed by RBI’s evolving frameworks.

  • SME Lending rose by almost 100% YoY, indicating a strong push towards supporting the community with accessible credit.

  • The age distribution of borrowers highlights a strong preference among younger demographics, with the 25-30 years age group leading at 40%.

Yubi, the world’s only tech company powering the entire debt lifecycle, today released its Annual Partnership Lending Report for FY 24-25, offering a deep dive into the evolving landscape of co-lending, securitization, and 100-0 partnership lending models in India’s financial sector. The report draws insights from over Rs. 22,600 crore in loan disbursements and over 2 crore transactions facilitated through the Yubi platform, across 300+ live partnerships.

Key findings:

The report has brought to the fore some interesting insights with respect to lender preferences, speed of credit delivery as well as demographics of end beneficiaries. These can act as a guiding light for all members of the ecosystem right from the regulator to participating banks & NBFCs as well as fintech companies operating in the partnership lending space.

  • AI and API-driven automation cut loan approval turnaround time (TAT) to just 2 hours, and disbursal to 18 hours on average.

  • Securitization volumes remained steady, with Rs. 46,904 Cr in Direct Assignment (DA) and Rs. 5,335 Cr in Pass-Through Certificates (PTC) assets under management.

  • In FY 25, Karnataka was the state with the highest value of disbursements in India.

  • States like Bihar, West Bengal, Andhra Pradesh & Rajasthan which are traditionally underserved / unserved are part of the top ten states by value of disbursement.

“India’s lending ecosystem is undergoing a collaborative revolution,” said Gaurav Kumar, Founder & CEO of Yubi Group. “At Yubi, we’ve built the digital infrastructure to power this transformation, enabling hyper-scalable, compliant, and secure lending frameworks that break barriers to credit access. The results speak for themselves: 79% of loans disbursed through partnership models reach Tier 2 and Tier 3 borrowers, while underserved states like Bihar and West Bengal now rank among the top 10 for disbursements. This isn’t just growth; it’s democratization.”

“Leveraging the interoperability feature of our platforms – whether DA, Co-Lending, or 100-0 digital partnerships, has enabled lenders and originators to scale partnerships efficiently,” said Vipul Mahajan, Chief Business Officer, Yubi. “The outcomes are measurable: SME lending nearly doubled, commercial vehicle financing tripled, and housing loans emerged as a new segment. While unsecured consumer lending recalibrates post-regulatory changes, secured asset classes now dominate as banks prioritize productive credit. With Rs. 22,600 Cr+ disbursed last fiscal and approval times slashed to 2 hours, these models are no longer alternatives – they’re redefining how credit fuels India’s real economy.”

“At Bank of India, expanding access to credit for underserved and unserved segments has been central to our growth strategy. By embracing a technology led approach in co-lending and securitization, we’ve been able to scale our partnership lending operations swiftly and efficiently,” echoed Ashok Kumar Pathak, Chief GM, Retail, Agri, MSME & Financial Inclusion, Bank of India.

“The underlying technology and seamless integrations offered by Yubi have empowered us to collaborate with our partners better and jointly disburse loans with speed and precision. This has not only accelerated our portfolio growth but reinforced our commitment to financial inclusion – enabling credit to reach where it’s needed most,” he added.

As India’s financial institutions increasingly embrace collaborative lending models to drive inclusion and innovation, Yubi’s latest report reveals pivotal market shifts, regulatory changes, and technology-led breakthroughs powering this momentum.

Access the full report here – www.go-yubi.com/ebook/yubi-partnership-lending-report-fy-24-25/.

About Yubi

The Yubi Group is the world’s only technology company powering the end-to-end debt lifecycle. Founded in 2020 by CEO, Gaurav Kumar, Yubi’s technology infrastructure, risk evaluation, and collections platforms facilitate every stage of the flow of money from lenders to borrowers and back to lenders. The company is backed by esteemed investors like Peak XV, Lightspeed, Lightrock, TVS Capital, B Capital Group, Dragoneer Investment Group, and Insight Partners, among others. Today, Yubi facilitates over Rs. 1,40,000 Cr in debt volumes, serving 17,000+ enterprises and 6,200+ investors & lenders while reducing collections costs by 57%. With a mission to deepen the debt market and democratize capital flow, Yubi is transforming the financial landscape, fostering inclusivity, and building a transparent and responsible ecosystem for all.

For more information, visit www.go-yubi.com.

PayU Receives Final Authorization from The RBI to Operate as an Online Payment Aggregator

PayU, one of Indias leading online payments services providers, has announced that it has received the final authorization from the Reserve Bank of India (RBI) to operate as an Online Payment Aggregator under the Payment and Settlement Systems Act, 2007.

We are happy to announce that PayU Payments Pvt. Ltd. has received the final authorization from the Reserve Bank of India (RBI) to operate as an online Payment Aggregator under the Payment and Settlement Systems Act, 2007. We are grateful to the RBI for granting us the opportunity to be a responsible contributor to Indias payments ecosystem. As we move forward, we remain dedicated to building a resilient, compliant, inclusive, and innovation-driven institution-one that serves merchants of all sizes and contributes meaningfully to the Digital India vision of the RBI and the Government. We sincerely thank our partners, merchants, employees, customers, and all other stakeholders for their continued trust and support,” said a PayU Spokesperson.

About PayU Payments
PayU Payments Private Limited, one of Indias leading digital financial services providers with Prosus as an investor, operates businesses that are regulated by the Reserve Bank of India and offers advanced solutions to meet the digital payment requirements of the Indian market. PayU India companies aim to create a full-stack digital financial services platform to serve all (tapped and untapped) financial needs of customers (e-commerce brands, banks and consumers) through technology solutions.

PayU Payments provides payment gateway solutions to online businesses through its cutting-edge and award-winning technology and has empowered 5 lakhs+ businesses, including Indias leading enterprises, e-commerce giants and SMBs. It enables businesses to collect digital payments across 150+ online payment methods such as Credit Cards, Debit Cards, Net Banking, EMIs, QR, UPI, Wallets, and more. Its a preferred partner in the affordability ecosystem, offering the maximum coverage of issuers and easy-to-implement integrations across card-based EMIs, pay-later options and new-age cardless EMIs. PayU offers e-commerce brands best-in-industry success rates while ensuring a seamless checkout experience.

BPTP Chairman and Managing Director Mr. Kabul Chawla Receives IGBC Fellow Award for Sustainable Contributions

Mr. Kabul Chawla, Chairman and Managing Director of BPTP Ltd., has been conferred with the highly esteemed IGBC Fellow Award by the Indian Green Building Council (IGBC) in recognition of his exceptional contributions to the advancement of the green building movement in India. The award ceremony took place on 9th May’ 2025 at the iconic BPTP Capital City in Noida, a landmark IGBC Platinum certified project recognized for its commitment to sustainable development and green building practices.

Mr. K.S. Venkatagiri, Executive Director, CII-Green Business Centre, presented the Award to Mr. Kabul Chawla, Chairman and Managing Director, BPTP

Mr. K.S. Venkatagiri, Executive Director, CII-Green Business Centre, presented the award to Mr. Chawla in a special ceremony.

Stating on the occasion, Mr. Kabul Chawla, Chairman and Managing Director, BPTP, expresses his gratitude by saying, “It is a profound honour to receive the IGBC Fellow Award. I am deeply grateful to the IGBC for this recognition, which reflects the collective vision and dedication of the entire BPTP team. Sustainability is not just a responsibility, but a core value that drives our approach to real estate development. At BPTP, we believe that curating sustainable, future – ready spaces is an essential move for the well-being of our communities and the planet. This award inspires us to continue innovating and setting new standards in sustainable urban development, ensuring that our projects not only meet today’s needs but also safeguard the environment for generations to come. I extend my heartfelt gratitude to our partners, stakeholders, and IGBC for their trust and support on this journey.”

The IGBC Fellow Award is one of the premier recognitions in India’s green building movement. It honours individuals and organizations demonstrating exemplary contribution to sustainable built environments. BPTP Capital City, the venue for this year’s ceremony, stands as a demonstration to the evolutionary impact of green building initiatives. Located at Sector 94, Noida, the project features IGBC Platinum Certification, premium office spaces, and state-of-the-art amenities that represent the future of sustainable business workplaces in India.

The IGBC has been at the spearhead of the country’s green building movement, annually recognizing pioneers who have stepped up in environment and sustainable stewardship. The IGBC Fellow Award is a tribute to Mr. Kabul Chawla’s unparalleled commitment and contribution in shaping India’s sustainable built environment.

About Mr. Kabul Chawla, Chairman and Managing Director, BPTP Limited: Kabul Chawla is a dynamic and visionary entrepreneur who has played a transformative role in shaping the landscape of Indian real estate. As the Chairmanand Managing Director of BPTP Limited, he has led the company from its inception to become one of the most recognized and trusted names in the real estate sector, particularly across the Delhi-NCR region.

With deep roots in Haryana and an entrepreneurial spirit that defines his journey, Chawla ventured into real estate in the early 2000s with a mission to redefine urban living and infrastructure. Under his leadership, BPTP grew rapidly, delivering innovative residential and commercial projects across Gurugram, Faridabad, Noida, and Delhi. His foresight and strategic approach helped BPTP secure some of the most prominent land parcels and successfully develop integrated townships, plotted developments, high-rise luxury apartments, and commercial developments.

A hallmark of Kabul Chawla’s leadership has been his relentless focus on customer satisfaction, design excellence, and project delivery. He was among the early proponents of building environmentally friendly, self-sustained communities with world-class amenities, setting new benchmarks for lifestyle-centric developments.

One of his most notable achievements includes the development of BPTP Capital City – a flagship project envisioned to be a next-generation mixed-use destination with an IGBC Platinum-rated office tower featuring a top-notch tenancy profile. The project underscores his commitment to sustainability, smart design, and future-ready urban planning.

His people and leadership skills have also been instrumental in building a strong, dedicated team of over 1000 professionals who share his vision and passion. This collective strength has been a driving force behind BPTP’s continued success and ambitious growth trajectory. He believes in empowering people, fostering a collaborative culture, and nurturing talent – values that are deeply embedded in the company’s DNA.

Despite the complexities and evolving dynamics of the Indian real estate sector, Chawla has remained steadfast in his commitment to quality, innovation, and trust – values that continue to guide BPTP’s growth. His journey is a true inspiration for young entrepreneurs looking to make a mark in infrastructure and real estate development.

With a legacy spanning over three decades, Chawla’s contribution to the urban transformation of North India is both impactful and enduring. As BPTP gears up for its next phase of growth, his visionary leadership continues to steer the company toward excellence, sustainability, and community-focused development.

About BPTP
BPTP is one of India’s leading largest real estate developers, known for its innovative and customer-centric approach to creating world-class residential and commercial spaces. With a strong presence in Delhi-NCR, the company has delivered 24,500 homes and numerous landmark projects that blend modern architecture, premium amenities, and sustainable living solutions. BPTP remains committed to excellence, transparency, and, shaping urban landscapes with projects that redefine contemporary living.